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Investor Guide

Kadaikodi includes a merchant financing layer: back the merchants whose products and services you believe in, under transparent, governed, audited terms. This guide explains how investing works.

Compliance

Merchant-financing features are designed to run under jurisdiction-appropriate compliance controls and are gated by configuration; availability varies by region and edition. Terms (returns, lock-in, risk) are published per opportunity by the merchant — Kadaikodi does not promise any fixed return.

How investing works​

The financing layer is built on three first-class entities:

  • Investment Opportunity — a transparent offer published by a merchant
  • Investment — your position in an opportunity
  • Investment Transaction — an auditable ledger entry (buy, sell, dividend, adjustment)

Getting Started​

Investor setup​

  1. Create your investor account
  2. Complete any required verification
  3. Set your investment preferences
  4. Browse available opportunities

Investment Process​

Discover opportunities​

Browse opportunities, each published with transparent terms set by the merchant:

  • Target amount and minimum investment
  • Expected returns and lock-in period
  • Risk level and terms
  • Business metrics backing the offer
  • Funding progress — raisedAmount vs targetAmount

Review the terms​

  • Read the opportunity's stated returns, lock-in, and risk level
  • Review the business metrics provided
  • Understand that returns are the merchant's stated terms, not a Kadaikodi guarantee

Invest​

mutation {
  invest(opportunityId: "opp_5", amount: 10000) {
    id
    amount
    currentValue
    realizedReturns
  }
}

Portfolio Management​

Track your positions​

  • Portfolio — all your investments and their current value
  • Realized returns — income and gains to date
  • Maturity — tracked against each opportunity's lock-in period
  • Transaction ledger — every buy, sell, dividend, and adjustment, so positions are always reconcilable

Opportunity lifecycle​

Opportunities move through:

  • draft → active → funded → closed

Returns & Payouts​

  • Returns follow each opportunity's published terms (e.g., profit sharing, fixed returns) — set by the merchant, not by Kadaikodi
  • Realized returns and current value are tracked on your position
  • A secondary market to trade positions before maturity is planned for a future release

Governance & Protection​

  • Configuration-gated — financing features are toggled by platform/merchant configuration
  • Region- and edition-aware — availability depends on jurisdiction and plan
  • RBAC + audit — every financing action is governed by role and recorded with actor, target, and result
  • Auditable ledger — the transaction ledger keeps every position reconcilable

Support & Resources​

Back the merchants you believe in — transparently, and on governed terms.