Before you start

The invite link for the collective you want to join, sent by its collective manager.
A valid photo ID: national passport, driver's licence or another government-issued ID.
A phone or laptop with a camera, and a well-lit spot for a selfie.
Funds in USD, EUR or GBP for a wallet payment, or local currency for a bank transfer.

1. Open the collective's invite link

Open the unique link the collective manager sent you. A welcome card shows the collective's Location, Asset Type and Investment Locations.
Click Join or Log In – [Collective name].
If you already have a Borderless account, log in and skip to step 3. If not, create an account as shown in step 2.

Watch how it works:

2. Create your Borderless account

Enter your First Name and Last Name exactly as they appear on your ID.
Optionally add your LinkedIn Profile and a Headline, such as Collective Member or Collective Explorer.
Choose your Country of Residence, tick the box to accept the Privacy Policy and Terms of Service, then click Continue.
On the Self-Certified Sophisticated Investor Statement, select the statement that is true for you. If more than one applies, choose the one that is most recently true. If none apply, select None of these apply to me. Click Continue.

Note:The statement is a formal declaration about your investing experience or finances. Only select a statement that genuinely describes you.

Your account is now live, and you'll receive a Welcome to Borderless email. It links to the list of active collectives, our onboarding guide and the Borderless Community on WhatsApp, where we share platform updates, new collectives and events.

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3. Apply to join the collective

On the collective's page, read the Description and look through the Collective Resources panel on the right.
When you're happy the collective fits your goals, click Apply to Join.
Optionally enter your Estimated investment deployed per year in USD, for example 25,000. This is only an indication; no money is taken.
Optionally write an Application message. If you add one, it needs to be longer than 10 words.
Click Send application.

Your Borderless profile and account details are shared with the collective managers along with your application. You'll get an email confirming it has been sent. Reviews usually take 2–3 business days.

Note:If you haven't heard back after 3 business days, click contact us on the collective's page.

Watch how it works:

4. Open your collective

When you're accepted, you'll receive an email titled “[Collective name] Welcome! Your membership application has been accepted”. Click Log in to Borderless.
Click Collectives in the top menu and open the Joined tab.
Click the collective you just joined.

Tip:Bookmark the collective link you were sent. It's the quickest way back.

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5. Choose an opportunity

Open the Opportunities tab. Each card shows the opportunity's location, investment target and how many days are left before it closes.
Click the opportunity you're interested in.
Read the risk warning, the Minimum Commitment, the Description and Deal Terms tabs, and the documents under Opportunity Resources.
When you're ready, click + Invest at the top right.

Note:Some opportunities have more than one tier, each with its own terms and minimum. Questions? Click contact us to email the collective's team.

Watch how it works:

6. Verify your identity (KYC)

If this is your first investment, a Complete your KYC window opens when you click Invest. This one-time check keeps commitments secure and compliant.

Have your ID and camera ready, then click Proceed to KYC Verification.
On our verification partner's secure page, click Begin verifying.
Enter your details exactly as they appear on your ID, then photograph your ID and take a selfie when prompted.
On Expected account usage, choose your primary purpose and your expected monthly amount in USD. If you're investing your own money, select No, I am sending or receiving funds for myself. Click Submit.
When you see Congratulations, you're done!, click Done to return to Borderless. A confirmation email follows.

Note 1:Progress isn't saved. If you leave before finishing, you'll need to enter everything again.

Note 2:The standard KYC flow isn't yet available to investors in New York State, USA. Email the Borderless team for an alternative.

Watch how it works:

7. Choose how to pay

Click + Invest again and choose a funding source.

Funding source	Currencies	Transaction fee	Speed
Borderless Wallet	USD, EUR, GBP	Free	Instant
Bank Transfer	NGN, GHS, KES, UGX, XOF, ZAR	1%	1–3 days

Paying from your wallet

Select Borderless Wallet and check your balance, shown under the options. If it doesn't cover your commitment, top up first.
Click Continue, enter your commitment amount and check the fee and total.
Confirm your commitment.

Note:Your wallet is held in USD. EUR or GBP you send converts to USD at the rate shown, which may move slightly before funds arrive. For a GBP wallet, go to Settings › Wallet features › Faster GBP payments. Always fund your wallet from an account in your own name.

Paying by bank transfer

Select Bank Transfer and send funds using the payment details provided, including your Payment Reference.
Click I have sent the money at the bottom right.

Fees

A platform fee applies to every deal and is shown before you confirm. Some deals also charge a fee on payouts, set out in their terms. For an example deal with a 2% platform fee, paid from your wallet:

Example	Commitment	Platform fee (2%)	You pay
Tier A	$5,000	$100	$5,100
Tier B	$20,000	$400	$20,400

Paying by bank transfer adds the 1% transaction fee.

Watch how it works:

8. Get your confirmation

Paid from your wallet: your payment reconciles automatically, and you'll receive a confirmation with your documents.
Paid by bank transfer: email your proof of payment to the Borderless team with the subject “[Collective name]: Proof of Payment”. Once it's reconciled, you'll receive your confirmation and documents.

Watch how it works:

That's it. You're now invested through Borderless.