{"id":3474,"date":"2026-09-17T15:50:04","date_gmt":"2026-09-17T15:50:04","guid":{"rendered":"https:\/\/hive5.com\/transparencia\/"},"modified":"2026-10-13T12:07:43","modified_gmt":"2026-10-13T12:07:43","slug":"transparencia","status":"publish","type":"page","link":"https:\/\/hive5.com\/es\/transparencia\/","title":{"rendered":"Transparencia"},"content":{"rendered":"\n<style id=\"transparency-draft-styles\">\nbody.page-id-2998 .page-prose{padding:0;margin:0}\nbody.page-id-2998 > footer.footer__footer{margin-top:0!important}\nbody.page-id-2998 .page-prose > .container{max-width:none;width:100%;padding:0}\nbody.page-id-2998 .page-prose__title{display:none}\nbody.page-id-2998 .page-prose__body{max-width:none;margin:0}\nbody.page-id-2998 .trans-preview-shell,body.page-id-2998 .trans-preview-container,body.page-id-2998 .trans-preview-body{padding:0;margin:0;max-width:none;width:100%}\n\n.trans__org-connectors--top img{max-width:367px;width:100%;display:block;margin:auto}\n.originators__row .originators__rate{font-size:inherit}\n.trans__quote > .trans__subsection-title{font-family:Manrope,sans-serif;font-size:24px;line-height:1.3;margin:0 0 24px}\n.trans__quote > p{margin:0;font-family:Manrope,sans-serif;font-size:16px;line-height:1.5}\n.trans__quote > p + p{margin-top:16px}\n#legal .trans__legal-copy > .trans__how-link{display:flex;width:fit-content;max-width:100%;margin:16px 0 0;gap:8px}\n.trans__quote-footer .trans__quote-role{max-width:100%}\n.trans__quote-footer > .trans__legal-firm-logo{width:88px;height:auto;object-fit:contain}\n.trans__flow-block > .trans__callout{margin-top:24px}\n\n@media (min-width:900px){\n.trans__risk-grid{grid-template-rows:auto repeat(5,auto);row-gap:0;column-gap:20px}\n.trans__risk-panel{grid-row:1 \/ span 6;display:grid;grid-template-rows:subgrid}\n.trans__risk-panel:first-child{grid-column:1}\n.trans__risk-panel:last-child{grid-column:2}\n.trans__risk-panel-head{grid-row:1}\n.trans__risk-list{grid-row:2 \/ span 5;display:grid;grid-template-rows:subgrid}\n}\n<\/style>\n<div class=\"hive5-v2 page-transparency\"><main class=\"trans__page\">\n<section class=\"trans__hero\">\n<div class=\"container trans__hero-inner\">\n<div class=\"trans__hero-copy\">\n<p class=\"trans__eyebrow\">Transparency hub<\/p>\n<h1 class=\"trans__hero-title\">Understand your investment. See how Hive5 works.<\/h1>\n<p class=\"trans__hero-lead\">Get a clear view of the companies, agreements and processes behind your investment. Explore how repayments work, how risks are managed and where to find our financial reports.<\/p>\n<\/div>\n<p class=\"trans__hero-meta\">Updated 12 October 2026<\/p>\n<div class=\"trans__hero-actions\">\n<a class=\"btn btn--primary\" href=\"#how-investing\">Explore how it works <\/a>\n<a class=\"btn btn--secondary\" href=\"#reporting\">Read the financial reports <\/a>\n<\/div>\n<div class=\"trans__hero-media\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"Hive5 colleagues talking in a bright office corridor\" class=\"trans__hero-img\" height=\"383\" src=\"https:\/\/hive5.com\/wp-content\/uploads\/2026\/09\/hero-main.png\" width=\"1180\"\/>\n<\/div>\n<\/div>\n<\/section>\n<nav aria-label=\"Page sections\" class=\"trans__spy\">\n<div class=\"container trans__spy-inner\">\n<a class=\"trans__spy-link is-active\" href=\"#how-investing\">How investing works<\/a>\n<a class=\"trans__spy-link\" href=\"#who-stands\">People &#038; companies <\/a>\n<a class=\"trans__spy-link\" href=\"#legal\">Legal status<\/a>\n<a class=\"trans__spy-link\" href=\"#controls\">Managing risk <\/a>\n<a class=\"trans__spy-link\" href=\"#reporting\">Reports &#038; documents <\/a>\n<a class=\"trans__spy-link\" href=\"#updates\">Latest updates <\/a>\n<a class=\"trans__spy-link\" href=\"#faq\">FAQ &#038; contact<\/a>\n<\/div>\n<\/nav>\n<section class=\"trans__section\" id=\"how-investing\">\n<div class=\"container\">\n<div class=\"trans__section-head trans__section-head--center\">\n<h2 class=\"trans__section-title\">Your investment, explained step by step<\/h2>\n<p class=\"trans__section-lead\">Hive5 gives you access to contractual claim rights linked to existing loans. Your Investment Agreement identifies the borrower, loan originator and payment terms.<\/p>\n<\/div>\n<div aria-label=\"Investment steps\" class=\"trans__timeline\">\n<div class=\"trans__tl-item trans__tl-item--left\">\n<article class=\"trans__tl-card\"><p class=\"trans__tl-step\">STEP 01<\/p><h3 class=\"trans__tl-title\">The loan originator issues the loan<\/h3><p class=\"trans__tl-text\">The loan originator assesses the borrower, approves and issues the financing, and services the loan.<\/p><\/article> <div aria-hidden=\"true\" class=\"trans__tl-rail\"><span class=\"trans__tl-line\"><\/span><img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__tl-dot\" height=\"13\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/tl-dot.svg?ver=1787818459\" width=\"13\"\/><\/div> <div aria-hidden=\"true\" class=\"trans__tl-spacer\"><\/div> <\/div>\n<div class=\"trans__tl-item trans__tl-item--right\">\n<div aria-hidden=\"true\" class=\"trans__tl-spacer\"><\/div> <div aria-hidden=\"true\" class=\"trans__tl-rail\"><span class=\"trans__tl-line\"><\/span><img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__tl-dot\" height=\"13\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/tl-dot.svg?ver=1787818459\" width=\"13\"\/><\/div> <article class=\"trans__tl-card\"><p class=\"trans__tl-step\">STEP 02<\/p><h3 class=\"trans__tl-title\">The investment appears on Hive5<\/h3><p class=\"trans__tl-text\">Review the lending company, interest rate, term and agreement before deciding.<\/p><\/article> <\/div>\n<div class=\"trans__tl-item trans__tl-item--left\">\n<article class=\"trans__tl-card\"><p class=\"trans__tl-step\">STEP 03<\/p><h3 class=\"trans__tl-title\">You acquire the claim rights<\/h3><p class=\"trans__tl-text\">Your investment gives you the contractual right to payments under the agreement.<\/p><\/article> <div aria-hidden=\"true\" class=\"trans__tl-rail\"><span class=\"trans__tl-line\"><\/span><img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__tl-dot\" height=\"13\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/tl-dot.svg?ver=1787818459\" width=\"13\"\/><\/div> <div aria-hidden=\"true\" class=\"trans__tl-spacer\"><\/div> <\/div>\n<\/div>\n<div class=\"trans__how-footer\">\n\n<p class=\"trans__callout trans__callout--center\">Your agreement identifies the borrower, loan originator, payment terms and contractual protections that apply.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"trans__section trans__section--muted\" id=\"after-invest\">\n<div class=\"container\">\n<div class=\"trans__section-head trans__section-head--center\">\n<h2 class=\"trans__section-title\">Follow your repayments<\/h2>\n<p class=\"trans__section-lead\">Repayments are credited to your Hive5 balance when received, in line with the terms of your Investment Agreement.<\/p>\n<\/div>\n<div class=\"trans__flow-block\">\n<div class=\"trans__flow-head\">\n<h3 class=\"trans__flow-title\">When payments arrive on schedule<\/h3>\n<p class=\"trans__flow-lead\">\n<span class=\"trans__flow-lead-full\">Follow the repayment schedule in your account.<\/span>\n<span class=\"trans__flow-lead-short\">Follow your repayment schedule.<\/span>\n<\/p>\n<\/div>\n<div class=\"trans__flow-band\">\n<div class=\"trans__flow-card\">\n<span class=\"trans__flow-icon trans__flow-icon--ok\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-repay.svg?ver=1787818456\" width=\"20\"\/>\n<\/span>\n<p>The lending company transfers the repayment<\/p>\n<\/div>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__flow-arrow trans__flow-arrow--h\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/flow-arrow.svg?ver=1787818455\" width=\"44\"\/>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__flow-arrow trans__flow-arrow--v\" height=\"40\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/flow-arrow-down.svg?ver=1787825716\" width=\"16\"\/>\n<div class=\"trans__flow-lane trans__flow-lane--ok\">\n<span class=\"trans__flow-icon-sm\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/check-green.svg?ver=1787818457\" width=\"20\"\/>\n<\/span>\n<p>Principal and interest reach your Hive5 balance<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"trans__flow-block\">\n<div class=\"trans__flow-head\">\n<h3 class=\"trans__flow-title\">If a payment is delayed<\/h3>\n<p class=\"trans__flow-lead\">Interest continues to accrue during the 60-day overdue period.<\/p>\n<\/div>\n<div class=\"trans__late-block\">\n<p class=\"trans__late-label\">EVERY LATE PAYMENT STARTS HERE<\/p>\n<div class=\"trans__late-shared\">\n<div class=\"trans__late-stage trans__late-stage--warn\">\n<span class=\"trans__flow-icon-md\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-clock.svg?ver=1787818457\" width=\"20\"\/>\n<\/span>\n<p>Payment becomes overdue<\/p>\n<\/div>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__flow-arrow trans__flow-arrow--h\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/flow-arrow-2.svg?ver=1787818455\" width=\"40\"\/>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__flow-arrow trans__flow-arrow--v\" height=\"40\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/flow-arrow-down-2.svg?ver=1787825716\" width=\"16\"\/>\n<div class=\"trans__late-stage trans__late-stage--pink\">\n<span class=\"trans__flow-icon-md trans__flow-icon-md--pink\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-trending.svg?ver=1787818458\" width=\"20\"\/>\n<\/span>\n<p>Interest continues to accrue<\/p>\n<\/div>\n<\/div>\n<p class=\"trans__late-label\">THEN, ONE OF TWO OUTCOMES<\/p>\n<div class=\"trans__late-lanes\">\n<div class=\"trans__flow-lane trans__flow-lane--ok\">\n<div class=\"trans__flow-lane-top\">\n<span class=\"trans__flow-icon-sm\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/check-green-2.svg?ver=1787818458\" width=\"20\"\/>\n<\/span>\n<strong>Payment received within 60 days<\/strong>\n<\/div>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__flow-arrow\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/flow-arrow-3.svg?ver=1787818456\" width=\"36\"\/>\n<p>Received principal and interest reach your Hive5 balance<\/p>\n<\/div>\n<div class=\"trans__flow-lane trans__flow-lane--warn\">\n<div class=\"trans__flow-lane-top\">\n<span class=\"trans__flow-icon-sm\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-warning.svg?ver=1787818458\" width=\"20\"\/>\n<\/span>\n<strong>More than 60 calendar days overdue<\/strong>\n<\/div>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__flow-arrow\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/flow-arrow-4.svg?ver=1787818456\" width=\"36\"\/>\n<p>The lending company must repurchase the claim rights with accrued interest under the Investment Agreement.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"trans__callout trans__callout--center\">The buyback process is automatic. Payment depends on the lending company&#8217;s ability to fulfil its obligation.<\/p><\/div>\n<hr class=\"trans__rule\"\/>\n<div class=\"trans__returns\">\n<div class=\"trans__section-head\">\n<h3 class=\"trans__subsection-title\">Where your returns come from<\/h3>\n<p class=\"trans__section-lead\">Each participant has a defined role in the investment process.<\/p>\n<\/div>\n<div class=\"trans__role-grid\">\n<article class=\"trans__role-card\">\n<div class=\"trans__verify-icon\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-person.svg?ver=1787815609\" width=\"24\"\/>\n<\/div>\n<h4 class=\"trans__role-title\">Investor<\/h4>\n<p class=\"trans__role-text\">Your returns are calculated at the stated interest rate confirmed in your Investment Agreement, which also specifies your repayment terms.<\/p>\n<\/article>\n<article class=\"trans__role-card\">\n<div class=\"trans__verify-icon\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-balance.svg?ver=1787815610\" width=\"24\"\/>\n<\/div>\n<h4 class=\"trans__role-title\">Lending company<\/h4>\n<p class=\"trans__role-text\">Borrower interest and fees cover funding costs, credit losses and operating expenses, with any surplus contributing to profit.<\/p>\n<\/article>\n<article class=\"trans__role-card\">\n<div class=\"trans__verify-icon\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-hive.svg?ver=1787815610\" width=\"24\"\/>\n<\/div>\n<h4 class=\"trans__role-title\">Hive5<\/h4>\n<p class=\"trans__role-text\">Hive5 receives service fees from lending companies for operating the marketplace and administering the investment process.<\/p>\n<\/article>\n<\/div>\n\n<\/div>\n<\/div><\/section>\n<section class=\"trans__section\" data-trans-tabs=\"\" id=\"who-stands\">\n<div class=\"container\">\n<div class=\"trans__section-head\">\n<h2 class=\"trans__section-title\">Meet the people and companies behind Hive5<\/h2>\n<p class=\"trans__section-lead\">Our group combines local lending businesses with shared experience in risk, finance, technology and operations.<\/p>\n<\/div>\n<div aria-label=\"Accountability views\" class=\"trans__tabs\" role=\"tablist\">\n<button aria-controls=\"panel-ownership\" aria-selected=\"true\" class=\"trans__tab is-active\" id=\"tab-ownership\" role=\"tab\" type=\"button\">\n\t\t\t\t\t\t\t\tOwnership &#038; entities\n\t\t\t\t\t\t\t<\/button>\n<button aria-controls=\"panel-governance\" aria-selected=\"false\" class=\"trans__tab\" id=\"tab-governance\" role=\"tab\" tabindex=\"-1\" type=\"button\">People &#038; responsibilities<\/button>\n<button aria-controls=\"panel-lending\" aria-selected=\"false\" class=\"trans__tab\" id=\"tab-lending\" role=\"tab\" tabindex=\"-1\" type=\"button\">\n\t\t\t\t\t\t\t\tLending businesses\n\t\t\t\t\t\t\t<\/button>\n<\/div>\n<div aria-labelledby=\"tab-ownership\" class=\"trans__panel is-active\" id=\"panel-ownership\" role=\"tabpanel\">\n<div class=\"trans__org\">\n<div class=\"trans__org-desktop\">\n<div class=\"trans__org-chart\">\n<div class=\"trans__org-head\">\n<h3 class=\"trans__subsection-title\">A clear view of our group<\/h3>\n<p class=\"trans__section-lead\">Hive Finance Group brings together the Hive5 marketplace and lending businesses in Poland, Spain and Romania.<\/p>\n<\/div>\n<div class=\"trans__org-row trans__org-row--2\">\n<article class=\"trans__org-box\">\n<p class=\"trans__org-label\">MAIN SHAREHOLDER<\/p>\n<p class=\"trans__org-name\">Andrius Rup\u0161ys<\/p>\n<p class=\"trans__org-meta\">Co-founder, Hive Finance Group<\/p>\n<\/article>\n<article class=\"trans__org-box\">\n<p class=\"trans__org-label\">SHAREHOLDER<\/p>\n<p class=\"trans__org-name\">Ruptela Group<\/p>\n<p class=\"trans__org-meta\">International technology group, founded in 2007<\/p>\n<\/article>\n\n<\/div>\n<div aria-hidden=\"true\" class=\"trans__org-connectors trans__org-connectors--top\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"42\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/org-connectors-2.svg?ver=1787823900\" style=\"transform:rotate(180deg)\" width=\"367\"\/>\n<\/div>\n<div class=\"trans__org-row trans__org-row--1\">\n<article class=\"trans__org-box trans__org-box--parent\">\n<p class=\"trans__org-label\">PARENT COMPANY<\/p>\n<p class=\"trans__org-name\">Hive Finance Group<\/p>\n<p class=\"trans__org-meta\">Hive Finance UAB \u00b7 Vilnius, Lithuania<\/p>\n<\/article>\n<\/div>\n<div aria-hidden=\"true\" class=\"trans__org-connectors trans__org-connectors--split\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"42\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/org-connectors-2.svg?ver=1787823900\" width=\"367\"\/>\n<\/div>\n<div class=\"trans__org-row trans__org-row--2\">\n<article class=\"trans__org-box trans__org-box--operator\">\n<p class=\"trans__org-label\">MARKETPLACE OPERATOR<\/p>\n<p class=\"trans__org-name\">Hive5 marketplace d.o.o.<\/p>\n<p class=\"trans__org-meta\">Zagreb, Croatia \u00b7 Reg. No. 081441259<\/p>\n<\/article>\n<article class=\"trans__org-box\">\n<p class=\"trans__org-label\">GROUP LENDING BUSINESSES<\/p>\n<p class=\"trans__org-name\">Group-owned lending businesses<\/p>\n<p class=\"trans__org-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tEkspres Po\u017cyczka &#038; Firmeo (PL) \u00b7 FinJet (ES) \u00b7 Credilink (RO)\n\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<\/article>\n<\/div>\n<div class=\"trans__org-foot\">\n<p>Contractual obligations belong to the company identified in your agreement. Review its responsibilities and the conditions that apply to your investment.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"trans__org-mobile\">\n<div class=\"trans__own-chain\">\n<div class=\"trans__own-row\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__own-dot\" height=\"11\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/rail-dot.svg?ver=1788957858\" width=\"11\"\/>\n<\/div>\n<article class=\"trans__own-card\">\n<div class=\"trans__own-card-top\">\n<p class=\"trans__own-label\">MAIN SHAREHOLDER<\/p>\n\n<\/div>\n<p class=\"trans__own-name\">Andrius Rup\u0161ys<\/p>\n<p class=\"trans__own-meta\">Co-founder, Hive Finance Group<\/p>\n<\/article>\n<\/div>\n<div class=\"trans__own-row\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__own-dot\" height=\"11\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/rail-dot.svg?ver=1788957858\" width=\"11\"\/>\n<\/div>\n<article class=\"trans__own-card\">\n<div class=\"trans__own-card-top\">\n<p class=\"trans__own-label\">SHAREHOLDER<\/p>\n\n<\/div>\n<p class=\"trans__own-name\">Ruptela Group<\/p>\n<p class=\"trans__own-meta\">International technology group, founded in 2007<\/p>\n<\/article>\n<\/div>\n\n<div class=\"trans__own-row trans__own-row--label\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\"><\/div>\n<p class=\"trans__own-rail-label\">SHAREHOLDERS OF<\/p>\n<\/div>\n<div class=\"trans__own-row\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__own-dot\" height=\"11\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/rail-dot-hollow.svg?ver=1788957854\" width=\"11\"\/>\n<\/div>\n<article class=\"trans__own-card trans__own-card--parent\">\n<p class=\"trans__own-label\">PARENT COMPANY<\/p>\n<p class=\"trans__own-name\">Hive Finance Group<\/p>\n<p class=\"trans__own-meta\">Hive Finance UAB \u00b7 Vilnius, Lithuania<\/p>\n<\/article>\n<\/div>\n<div class=\"trans__own-row trans__own-row--label\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\"><\/div>\n<p class=\"trans__own-rail-label\">GROUP ENTITIES<\/p>\n<\/div>\n<div class=\"trans__own-row\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__own-dot\" height=\"11\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/rail-dot.svg?ver=1788957858\" width=\"11\"\/>\n<\/div>\n<article class=\"trans__own-card trans__own-card--operator\">\n<p class=\"trans__own-label\">MARKETPLACE OPERATOR<\/p>\n<p class=\"trans__own-name\">Hive5 marketplace d.o.o.<\/p>\n<p class=\"trans__own-meta\">Zagreb, Croatia \u00b7 Reg. No. 081441259<\/p>\n<\/article>\n<\/div>\n<div class=\"trans__own-row trans__own-row--last\">\n<div aria-hidden=\"true\" class=\"trans__own-rail\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" class=\"trans__own-dot\" height=\"11\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/rail-dot.svg?ver=1788957858\" width=\"11\"\/>\n<\/div>\n<article class=\"trans__own-card\">\n<p class=\"trans__own-label\">GROUP LENDING BUSINESSES<\/p>\n<p class=\"trans__own-name\">Group-owned lending businesses<\/p>\n<p class=\"trans__own-meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tEkspres Po\u017cyczka &#038; Firmeo (PL) \u00b7 FinJet (ES) \u00b7 Credilink (RO)\n\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<\/article>\n<\/div>\n<\/div>\n<p class=\"trans__own-note\">Contractual obligations belong to the company identified in your agreement. Review its responsibilities and the conditions that apply to your investment.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<div aria-labelledby=\"tab-governance\" class=\"trans__panel\" hidden=\"\" id=\"panel-governance\" role=\"tabpanel\">\n<div class=\"trans__gov-desktop\">\n<div class=\"trans__gov-board\">\n<div class=\"trans__gov-groups\">\n<div class=\"trans__gov-group\">\n<h3 class=\"trans__gov-group-title\">Shareholders<\/h3>\n<div class=\"trans__gov-people\">\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/gov-andrius.png?ver=1789491025\" width=\"124\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\">Andrius Rup\u0161ys<\/p>\n<p class=\"trans__gov-person-role\">Main Shareholder<\/p>\n<\/article>\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo trans__gov-photo--logo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/gov-ruptela.svg?ver=1789491021\" width=\"124\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\">Ruptela Group<\/p>\n<p class=\"trans__gov-person-role\">Shareholder<\/p>\n<\/article>\n\n<\/div>\n<\/div>\n<div class=\"trans__gov-group\">\n<h3 class=\"trans__gov-group-title\">Group leadership<\/h3>\n<div class=\"trans__gov-people\">\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/krisjanis-avatar.png?ver=1786557597\" width=\"124\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\">Krisjanis Znotins<\/p>\n<p class=\"trans__gov-person-role\">CEO, Hive Finance Group<\/p>\n<\/article>\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"Artis Pukitis, CEO of Hive5\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/uploads\/2026\/10\/artis-pukitis-hive5-ceo.jpg\" width=\"124\" style=\"object-fit:cover;object-position:54% 20%;\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\"><a href=\"https:\/\/lv.linkedin.com\/in\/artispukitis\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Artis Pukitis on LinkedIn\" style=\"color:inherit;text-decoration:none;\">Artis Pukitis<\/a><\/p>\n<p class=\"trans__gov-person-role\">CEO, Hive5<\/p>\n<\/article>\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/gov-anete.png?ver=1789491021\" width=\"124\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\">Anete Pallo<\/p>\n<p class=\"trans__gov-person-role\">Group Chief Operating Officer<\/p>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"trans__gov-group\">\n<h3 class=\"trans__gov-group-title\">Risk, finance &#038; operations<\/h3>\n<div class=\"trans__gov-people\">\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/gov-alexander.png?ver=1789491026\" width=\"124\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\">Alexander James<\/p>\n<p class=\"trans__gov-person-role\">Group Chief Risk Officer<\/p>\n<\/article>\n\n<article class=\"trans__gov-person\">\n<div class=\"trans__gov-photo\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"124\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/gov-inga.png?ver=1789491017\" width=\"124\"\/>\n<\/div>\n<p class=\"trans__gov-person-name\">Inga Zubanov\u0117<\/p>\n<p class=\"trans__gov-person-role\">Head of Operations, Hive5<\/p>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<div class=\"trans__gov-mobile\">\n<div class=\"trans__gov-steps\">\n<div class=\"trans__gov-step\">\n<div aria-hidden=\"true\" class=\"trans__gov-step-rail\">\n<span class=\"trans__gov-num\">01<\/span>\n<span class=\"trans__gov-line\"><\/span>\n<\/div>\n<div class=\"trans__gov-step-body\">\n<div class=\"trans__gov-step-head\">\n<p class=\"trans__gov-eyebrow\">OWNERSHIP LINK<\/p>\n<h3 class=\"trans__gov-step-title\">Shareholders<\/h3>\n<\/div>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/andrius-avatar.png?ver=1788957852\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Andrius Rup\u0161ys<\/p>\n<p class=\"trans__gov-card-role\">Main Shareholder<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/ruptela.svg?ver=1788957864\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Ruptela<\/p>\n<p class=\"trans__gov-card-role\">Shareholder<\/p>\n<\/div>\n<\/article>\n\n<\/div>\n<\/div>\n<div class=\"trans__gov-step\">\n<div aria-hidden=\"true\" class=\"trans__gov-step-rail\">\n<span class=\"trans__gov-num\">02<\/span>\n<span class=\"trans__gov-line\"><\/span>\n<\/div>\n<div class=\"trans__gov-step-body\">\n<div class=\"trans__gov-step-head\">\n<p class=\"trans__gov-eyebrow\">GROUP LEADERSHIP<\/p>\n<h3 class=\"trans__gov-step-title\">Group leadership<\/h3>\n<\/div>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/krisjanis-avatar.png?ver=1786557597\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Krisjanis Znotins<\/p>\n<p class=\"trans__gov-card-role\">CEO, Hive Finance Group<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/anete-avatar.png?ver=1788957857\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Anete Pallo<\/p>\n<p class=\"trans__gov-card-role\">Group Chief Operating Officer<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"trans__gov-step\">\n<div aria-hidden=\"true\" class=\"trans__gov-step-rail\">\n<span class=\"trans__gov-num\">03<\/span>\n<span class=\"trans__gov-line\"><\/span>\n<\/div>\n<div class=\"trans__gov-step-body\">\n<div class=\"trans__gov-step-head\">\n<p class=\"trans__gov-eyebrow\">OPERATIONS<\/p>\n<h3 class=\"trans__gov-step-title\">Who runs each function<\/h3>\n<\/div>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/alexander-avatar.png?ver=1788957853\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Alexander James<\/p>\n<p class=\"trans__gov-card-role\">Group Chief Risk Officer<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/aleksejus-avatar.png?ver=1788957854\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Aleksejus Tonkich<\/p>\n<p class=\"trans__gov-card-role\">Chief Financial Officer<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__gov-card\">\n<div class=\"trans__gov-avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"48\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/inga-avatar.png?ver=1788957864\" width=\"48\"\/>\n<\/div>\n<div class=\"trans__gov-card-copy\">\n<p class=\"trans__gov-card-name\">Inga Zubanov\u0117<\/p>\n<p class=\"trans__gov-card-role\">Head of Operations, Hive5<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div aria-labelledby=\"tab-lending\" class=\"trans__panel\" hidden=\"\" id=\"panel-lending\" role=\"tabpanel\">\n<div class=\"trans__lending\">\n<div class=\"originators__grid\">\n<article class=\"originators__card\">\n<div class=\"originators__card-top\">\n<div class=\"originators__meta\">\n<span>Spain<\/span>\n<span class=\"badge\">Hive Finance Group<\/span>\n<\/div>\n<div class=\"originators__logo-wrap\">\n<img decoding=\"async\" alt=\"Finjet\" class=\"originators__logo\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/logos\/finjet.png?ver=1785500984\"\/>\n<\/div>\n<p class=\"originators__tagline\">Digital consumer lending, from application to repayment.<\/p>\n<p class=\"originators__description\">Nectar Capital S.L. combines online applications, identity checks, bank-data analysis and credit scoring with local loan servicing.<\/p>\n<\/div>\n<div class=\"originators__card-bottom\">\n<div class=\"originators__row\">\n<span>Market<\/span>\n<strong class=\"originators__rate\">Spain<\/strong>\n<\/div>\n<div class=\"originators__row\">\n<span>Lending model<\/span>\n<strong>Consumer loans<\/strong>\n<\/div>\n<div class=\"originators__row\">\n<span>Buyback obligation<\/span>\n<strong>Applies<\/strong>\n<\/div>\n<a class=\"link-arrow originators__cta\" href=\"https:\/\/hive5.com\/es\/originadores-de-prestamos\/#finjet\">Explore FinJet <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/icons\/arrow-right.svg?ver=1785848223\" width=\"24\"\/><\/a>\n<\/div>\n<\/article>\n<article class=\"originators__card\">\n<div class=\"originators__card-top\">\n<div class=\"originators__meta\">\n<span>Romania<\/span>\n<span class=\"badge\">Hive Finance Group<\/span>\n<\/div>\n<div class=\"originators__logo-wrap\">\n<img decoding=\"async\" alt=\"Credilink\" class=\"originators__logo\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/logos\/credilink.svg?ver=1785501006\"\/>\n<\/div>\n<p class=\"originators__tagline\">Flexible credit for returning customers.<\/p>\n<p class=\"originators__description\">We Finance IFN S.A. offers revolving consumer credit lines. Investments on Hive5 are linked to business financing provided to Credilink.<\/p>\n<\/div>\n<div class=\"originators__card-bottom\">\n<div class=\"originators__row\">\n<span>Market<\/span>\n<strong class=\"originators__rate\">Romania<\/strong>\n<\/div>\n<div class=\"originators__row\">\n<span>Lending model<\/span>\n<strong>Revolving credit<\/strong>\n<\/div>\n<div class=\"originators__row\">\n<span>Buyback obligation<\/span>\n<strong>Applies<\/strong>\n<\/div>\n<a class=\"link-arrow originators__cta\" href=\"https:\/\/hive5.com\/es\/originadores-de-prestamos\/#credilink\">Explore Credilink <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/icons\/arrow-right.svg?ver=1785848223\" width=\"24\"\/><\/a>\n<\/div>\n<\/article>\n<article class=\"originators__card\">\n<div class=\"originators__card-top\">\n<div class=\"originators__meta\">\n<span>Poland<\/span>\n<span class=\"badge\">Hive Finance Group<\/span>\n<\/div>\n<div class=\"originators__logo-wrap\">\n<img decoding=\"async\" alt=\"Firmeo\" class=\"originators__logo\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/logos\/firmeo.png?ver=1785501100\"\/>\n<\/div>\n<p class=\"originators__tagline\">Financing for entrepreneurs and growing businesses.<\/p>\n<p class=\"originators__description\">Firmeo Business Finance sp. z o.o. assesses business cash flow and operating performance when providing instalment loans to Polish SMEs.<\/p>\n<\/div>\n<div class=\"originators__card-bottom\">\n<div class=\"originators__row\">\n<span>Market<\/span>\n<strong class=\"originators__rate\">Poland<\/strong>\n<\/div>\n<div class=\"originators__row\">\n<span>Lending model<\/span>\n<strong>Business loans<\/strong>\n<\/div>\n<div class=\"originators__row\">\n<span>Buyback obligation<\/span>\n<strong>Applies<\/strong>\n<\/div>\n<a class=\"link-arrow originators__cta\" href=\"https:\/\/hive5.com\/es\/originadores-de-prestamos\/#firmeo\">Explore Firmeo <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/icons\/arrow-right.svg?ver=1785848223\" width=\"24\"\/><\/a>\n<\/div>\n<\/article>\n<\/div>\n<p class=\"trans__note\">These cards describe each company&#8217;s lending business. Review the borrower, investment structure and terms shown on Hive5 for each opportunity.<\/p><\/div>\n<\/div>\n<\/div>\n<\/section>\n<div aria-hidden=\"true\" class=\"trans__divider\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"546\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/legal-divider.png?ver=1787818468\" width=\"1440\"\/>\n<\/div>\n<section class=\"trans__section\" id=\"legal\">\n<div class=\"container trans__legal\">\n<div class=\"trans__legal-copy\">\n<h2 class=\"trans__section-title\">The legal framework behind Hive5<\/h2>\n<p>Hive5 is a marketplace for claim rights arising from loans that lending companies have already issued and funded. Investors acquire existing contractual rights to repayment under an Investment Agreement.<\/p>\n<p>Hive5 operates the marketplace and administers these transactions. It does not issue the underlying loans, arrange a new loan between the investor and borrower, or raise funds for new projects.<\/p>\n<a class=\"trans__how-link\" href=\"https:\/\/hive5.com\/es\/blog\/novedades-sobre-la-transparencia-de-hive5-nuestro-modelo-de-plataforma-y-declaracion-juridica\/\">Read about our marketplace model <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/arrow-see-how.svg?ver=1787818454\" width=\"24\"\/><\/a>\n<div class=\"trans__info-note\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-info.svg?ver=1787818459\" width=\"24\"\/>\n<p>We are currently reviewing applicable licensing requirements and evaluating licensing and supervisory options for Hive5&#8217;s future development. We will share confirmed updates with investors.<\/p>\n<\/div>\n<dl class=\"trans__def-list\">\n<div class=\"trans__def-row\">\n<dt>WHAT YOU ACQUIRE<\/dt>\n<dd>Contractual claim rights arising from an existing loan.<\/dd>\n<\/div>\n<div class=\"trans__def-row\">\n<dt>WHO IS RESPONSIBLE<\/dt>\n<dd>The borrower and loan originator, each according to the obligations defined in your Investment Agreement.<\/dd>\n<\/div>\n<div class=\"trans__def-row\">\n<dt>OUR ROLE<\/dt>\n<dd>Operating the marketplace and administering transactions in loan claim rights.<\/dd>\n<\/div>\n<\/dl>\n\n<\/div>\n<aside class=\"trans__quote-card\">\n<div class=\"trans__quote\"><h3 class=\"trans__subsection-title\">Croatian legal assessment<\/h3><p>The review considers the model under the Croatian Electronic Money Act and Payment Services Act.<\/p><p><strong>Electronic money.<\/strong> Under the model reviewed, Hive5 holds user funds in a bank account and transfers them to lending companies without issuing electronic money. The advice concludes that an e-money licence is not required for this activity.<\/p><p><strong>Payment flows.<\/strong> The assessment distinguishes Hive5&#8217;s intermediary role from payment transfers executed by banks. Under the model reviewed, funds are held in a bank account and transferred to lending companies once the conditions for transfer are met.<\/p><\/div>\n<div class=\"trans__quote-footer\">\n<div class=\"trans__quote-who\">\n\n<div>\n<p class=\"trans__quote-name\">Hive5 summary of legal advice<\/p>\n<p class=\"trans__quote-role\">Babi\u0107 &#038; Partners \u00b7 1 June 2026<\/p>\n<\/div>\n<\/div>\n\n<img loading=\"lazy\" decoding=\"async\" alt=\"Babi\u0107 &#038; Partners\" class=\"trans__legal-firm-logo\" height=\"130\" src=\"https:\/\/www.babic-partners.hr\/wp-content\/themes\/babic\/images\/logo_en.png\" width=\"150\"\/><\/div>\n\n<\/aside>\n<\/div>\n<\/section>\n<section class=\"trans__section\" id=\"controls\">\n<div class=\"container\">\n<div class=\"trans__section-head\">\n<h2 class=\"trans__section-title\">How we manage investment risk<\/h2>\n<p class=\"trans__section-lead\">Borrower assessment, clear contractual obligations and financial reporting help you evaluate each investment. Here is how these measures work and what to consider.<\/p>\n<\/div>\n<div class=\"trans__risk-grid\">\n<div class=\"trans__risk-panel\">\n<div class=\"trans__risk-panel-head trans__risk-panel-head--controls\">\n<h3>Measures behind your investment<\/h3>\n<p>Practical processes and documents you can review.<\/p>\n<\/div>\n<ul class=\"trans__risk-list\">\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--ok\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check.svg?ver=1787815612\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Borrower repayment<\/strong>\n<p>Lending companies assess borrowers under their credit procedures; checks may include creditworthiness and affordability.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--ok\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check.svg?ver=1787815612\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Buyback obligation<\/strong>\n<p>For all loans on Hive5, the lending company must repurchase the claim rights once a payment is more than 60 calendar days overdue.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--ok\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check.svg?ver=1787815612\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Uninvested funds<\/strong>\n<p>Uninvested funds are held in a separate account from Hive5&#8217;s operating funds.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--ok\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check.svg?ver=1787815612\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Financial reporting<\/strong>\n<p>Published group accounts include independent audit findings and notes for investors to review.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--ok\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check.svg?ver=1787815612\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Platform operations<\/strong>\n<p>The applicable agreements define responsibilities and procedures if Hive5 can no longer operate.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"trans__risk-panel\">\n<div class=\"trans__risk-panel-head trans__risk-panel-head--risks\">\n<h3>Make an informed choice<\/h3>\n<p>Consider these factors alongside the measures in place.<\/p>\n<\/div>\n<ul class=\"trans__risk-list\">\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--warn\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-risk.svg?ver=1787815613\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Borrower repayment<\/strong>\n<p>Repayment still depends on the borrower; delays or defaults can reduce the amounts you receive.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--warn\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-risk.svg?ver=1787815613\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Buyback obligation<\/strong>\n<p>Buyback remains a contractual obligation. Payment depends on the lending company&#8217;s financial capacity.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--warn\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-risk.svg?ver=1787815613\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Uninvested funds<\/strong>\n<p>Separation does not eliminate bank, operational or insolvency risk and does not guarantee recovery.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--warn\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-risk.svg?ver=1787815613\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Financial reporting<\/strong>\n<p>An audit adds independent scrutiny; it cannot guarantee future solvency or investment repayments.<\/p>\n<\/div>\n<\/li>\n<li>\n<span class=\"trans__risk-badge trans__risk-badge--warn\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-risk.svg?ver=1787815613\" width=\"20\"\/>\n<\/span>\n<div>\n<strong>Platform operations<\/strong>\n<p>Technical failures or insolvency may interrupt servicing, delay repayments or lead to incomplete recovery.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p class=\"trans__callout\"><strong>Understand each contractual protection.<\/strong> Buyback is the lending company&#8217;s contractual obligation. Review the trigger and repayment terms in your Investment Agreement.<\/p>\n<hr class=\"trans__rule\"\/>\n<div class=\"trans__principal-risks\">\n<div class=\"trans__principal-risks-intro\">\n<h3 class=\"trans__section-title\">Investment risks in detail<\/h3>\n<p class=\"trans__section-lead\">Explore each risk, how it may affect your investment and the measures in place to address it.<\/p>\n\n<\/div>\n<div class=\"trans__faq-list\">\n<div class=\"trans__faq-item is-open\">\n<button aria-controls=\"risk-faq-1\" aria-expanded=\"true\" class=\"trans__faq-trigger\" type=\"button\">Borrower assessment and repayment <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" id=\"risk-faq-1\">\n<p>Lending companies assess affordability and creditworthiness according to their own procedures. The checks vary by product and market; borrower defaults remain possible.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-2\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Lending-company capacity and buyback <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-2\">\n<p>Group risk leadership monitors portfolios, while financial reports help investors assess the business. Liquidity or solvency difficulties can still affect repayments and buyback.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-3\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Platform and servicing continuity <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-3\">\n<p>Investment agreements define your rights if Hive5 becomes insolvent. Transaction information would be provided and new investments stopped. Servicing and repayments could still be disrupted.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-4\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Investment term and liquidity <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-4\">\n<p>A sale on the Secondary Market can only be completed if a buyer is found. Listing an investment does not guarantee a sale, so be prepared to hold it until repayment.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-5\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Group concentration <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-5\">\n<p>Our lending companies serve different markets and customer segments. Because they share a group, difficulties can affect several companies at once. Consider your combined exposure.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-6\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Legal and regulatory changes <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-6\">\n<p>We work with legal advisers on our marketplace model. Changes in law or enforcement can affect operations and recovery; agreements remain central to assessing your rights.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-7\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Financial information and track record <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-7\">\n<p>We publish dated reports and updates so you can distinguish audited accounts from recent platform figures. Past returns do not predict future performance.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-8\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Country and economic conditions <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-8\">\n<p>Local teams assess lending in their own markets. Changes in employment, business conditions or exchange rates can still affect borrowers and lending companies.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"risk-faq-9\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Account security and operations <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"risk-faq-9\">\n<p>Identity verification supports account checks. Keep passwords and email access secure, and report suspicious activity to support. Fraud, technical failures and process errors remain possible.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"trans__callout\"><strong>Understand the risk.<\/strong> Investing involves the possible loss of some or all of your capital. Investments are not covered by a deposit guarantee or investor compensation scheme.<\/p>\n<\/div>\n<\/section>\n<div aria-hidden=\"true\" class=\"trans__divider\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"546\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/divider-photo.png?ver=1787817111\" width=\"1440\"\/>\n<\/div>\n<section class=\"trans__section\" id=\"reporting\">\n<div class=\"container\">\n<div class=\"trans__section-head\">\n<h2 class=\"trans__section-title\">Read the reports behind the numbers<\/h2>\n<\/div>\n<div class=\"trans__report-grid\">\n<article class=\"trans__report-card\">\n<div class=\"trans__report-top\">\n<h3 class=\"trans__report-fy\">2024 audited financial statements<\/h3>\n<span class=\"trans__report-status\">Independently audited<\/span>\n<\/div>\n<p class=\"trans__report-heading\">A complete view of the Group&#8217;s finances<\/p>\n<p class=\"trans__report-text\">UAB Veritas auditas audited our FY2024 consolidated statements and issued an unmodified opinion. The report also identifies a material uncertainty related to going concern. Note 22 explains the position and management&#8217;s plans.<\/p>\n<hr class=\"trans__rule\"\/>\n<p class=\"trans__report-label\">WHAT THE REPORT CONTAINS<\/p>\n<ul class=\"trans__tick-list\">\n<li>Group financial results <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check-pink.svg?ver=1787823994\" width=\"16\"\/><\/li>\n<li>Cash flow and equity <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check-pink.svg?ver=1787823994\" width=\"16\"\/><\/li>\n<li>Independent auditor&#8217;s opinion <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check-pink.svg?ver=1787823994\" width=\"16\"\/><\/li>\n<li>Accounting notes and disclosures <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-check-pink.svg?ver=1787823994\" width=\"16\"\/><\/li>\n<\/ul>\n<hr class=\"trans__rule\"\/>\n<div class=\"trans__auditor\">\n<p class=\"trans__report-label\">INDEPENDENT AUDITOR<\/p>\n<p class=\"trans__auditor-name\">UAB Veritas auditas<\/p>\n<p class=\"trans__report-text\">\n\t\t\t\t\t\t\t\t\t\tResponsible auditor: Domantas Vai\u010dekonis \u00b7 Year ended 31 December 2024\n\t\t\t\t\t\t\t\t\t<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__report-card\">\n<div class=\"trans__report-top\">\n<h3 class=\"trans__subsection-title\">Start with these documents<\/h3>\n<span class=\"trans__report-count\">3 resources<\/span>\n<\/div>\n<p class=\"trans__report-text\">Read the complete report alongside our results overview and current legal assessment.<\/p>\n<ul class=\"trans__doc-list\">\n<li>\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/wp-content\/uploads\/2026\/08\/0_FINAL_HiveFinance2024.pdf\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">FINANCIAL REPORTING \u00b7 PDF<\/span>\n<span class=\"trans__doc-title\">FY2024 audited consolidated financial statements<\/span>\n<span class=\"trans__doc-meta\">Full Group accounts, independent audit and notes.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li>\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/es\/blog\/hive-finance-group-resultados-financieros-consolidados-auditados-de-2024\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">FINANCIAL REPORTING \u00b7 OVERVIEW<\/span>\n<span class=\"trans__doc-title\">FY2024 results explained<\/span>\n<span class=\"trans__doc-meta\">Published 10 April 2026.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li>\n<a class=\"trans__doc-row\" href=\"#legal\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">LEGAL \u00b7 ON-PAGE SUMMARY<\/span>\n<span class=\"trans__doc-title\">Croatian licensing assessment<\/span>\n<span class=\"trans__doc-meta\">Scope and limitations of selected payment-services and e-money advice.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<p class=\"trans__note\"><strong>Keep track of new reporting.<\/strong> Our published reports and financial updates are collected here for easy access.<\/p>\n<hr class=\"trans__rule\"\/>\n<div class=\"trans__sources\" data-trans-docs=\"\">\n<div class=\"trans__section-head\">\n<h3 class=\"trans__subsection-title\">Useful documents, all in one place<\/h3>\n<p class=\"trans__section-lead\">Open the source document for the full terms, figures and explanations.<\/p>\n<\/div>\n<div class=\"trans__docs-toolbar\">\n<div aria-label=\"Document filters\" class=\"trans__filter-tabs\" role=\"tablist\">\n<button aria-selected=\"true\" class=\"trans__filter-tab is-active\" data-doc-filter=\"all\" role=\"tab\" type=\"button\">\n\t\t\t\t\t\t\t\t\t\tAll\n\t\t\t\t\t\t\t\t\t<\/button>\n<button aria-selected=\"false\" class=\"trans__filter-tab\" data-doc-filter=\"financial\" role=\"tab\" type=\"button\">\n\t\t\t\t\t\t\t\t\t\tFinancial Reporting\n\t\t\t\t\t\t\t\t\t<\/button>\n<button aria-selected=\"false\" class=\"trans__filter-tab\" data-doc-filter=\"marketplace\" role=\"tab\" type=\"button\">\n\t\t\t\t\t\t\t\t\t\tMarketplace model\n\t\t\t\t\t\t\t\t\t<\/button>\n<button aria-selected=\"false\" class=\"trans__filter-tab\" data-doc-filter=\"legal\" role=\"tab\" type=\"button\">\n\t\t\t\t\t\t\t\t\t\tLegal\n\t\t\t\t\t\t\t\t\t<\/button>\n<\/div>\n<label class=\"trans__docs-search\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/search-docs.svg?ver=1787817375\" width=\"16\"\/>\n<input aria-label=\"Search documents\" class=\"trans__docs-search-input\" data-doc-search=\"\" placeholder=\"Search documents\" type=\"search\"\/>\n<\/label>\n<\/div>\n<ul class=\"trans__doc-list trans__doc-list--full\" data-doc-list=\"\">\n<li data-doc-cat=\"financial\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/wp-content\/uploads\/2026\/08\/0_FINAL_HiveFinance2024.pdf\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">FINANCIAL REPORTING \u00b7 PDF<\/span>\n<span class=\"trans__doc-title\">FY2024 audited consolidated financial statements<\/span>\n<span class=\"trans__doc-meta\">Full Group accounts, independent audit and notes.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"financial\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/es\/blog\/hive-finance-group-resultados-financieros-consolidados-auditados-de-2024\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">FINANCIAL REPORTING \u00b7 OVERVIEW<\/span>\n<span class=\"trans__doc-title\">FY2024 results explained<\/span>\n<span class=\"trans__doc-meta\">Published 10 April 2026.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"legal\">\n<a class=\"trans__doc-row\" href=\"#legal\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">LEGAL \u00b7 ON-PAGE SUMMARY<\/span>\n<span class=\"trans__doc-title\">Croatian licensing assessment<\/span>\n<span class=\"trans__doc-meta\">Scope and limitations of selected payment-services and e-money advice.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"marketplace\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/es\/originadores-de-prestamos\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">MARKETPLACE MODEL \u00b7 LENDING COMPANIES<\/span>\n<span class=\"trans__doc-title\">The businesses behind your investments<\/span>\n<span class=\"trans__doc-meta\">Company identities, products and responsibilities.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"legal\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/legal\/user-agreement\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">LEGAL \u00b7 AGREEMENT<\/span>\n<span class=\"trans__doc-title\">User Agreement<\/span>\n<span class=\"trans__doc-meta\">Terms for using the Hive5 marketplace.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"marketplace\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/es\/centro-de-ayuda\/rentabilidad-y-reembolsos\/que-es-la-obligacion-de-recompra\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">MARKETPLACE MODEL \u00b7 BUYBACK<\/span>\n<span class=\"trans__doc-title\">How the buyback obligation works<\/span>\n<span class=\"trans__doc-meta\">The trigger, process and responsible company.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"legal\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/legal\/privacy-policy\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">LEGAL \u00b7 PRIVACY<\/span>\n<span class=\"trans__doc-title\">Privacy Policy<\/span>\n<span class=\"trans__doc-meta\">How we handle personal data and your rights.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"legal\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/legal\/cookie-policy\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">LEGAL \u00b7 COOKIES<\/span>\n<span class=\"trans__doc-title\">Cookie Policy<\/span>\n<span class=\"trans__doc-meta\">Website cookies and preference controls.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<li data-doc-cat=\"marketplace\">\n<a class=\"trans__doc-row\" href=\"https:\/\/hive5.com\/es\/centro-de-ayuda\/riesgos-y-medidas-de-proteccion\/cuales-son-los-principales-riesgos-de-invertir-en-crowdlending-con-hive5\/\">\n<span class=\"trans__doc-copy\">\n<span class=\"trans__doc-cat\">MARKETPLACE MODEL \u00b7 RISKS<\/span>\n<span class=\"trans__doc-title\">Investment risks explained<\/span>\n<span class=\"trans__doc-meta\">Key risks to consider before investing.<\/span>\n<\/span>\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"20\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"20\"\/>\n<\/a>\n<\/li>\n<\/ul>\n<p class=\"trans__docs-empty\" data-doc-empty=\"\" hidden=\"\">No documents match this filter.<\/p>\n<p class=\"trans__docs-footnote\">Read each document in full alongside the agreement for your investment.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"trans__section trans__section--muted\" id=\"updates\">\n<div class=\"container\">\n<div class=\"trans__section-head\">\n<h2 class=\"trans__section-title\">Stay informed as Hive5 develops<\/h2>\n<p class=\"trans__section-lead\">Follow our reporting, marketplace updates and legal explanations.<\/p>\n<\/div>\n<ul class=\"trans__update-list\">\n<li class=\"trans__update-item\">\n<time class=\"trans__update-date\" datetime=\"2026-10-12\">12 Oct 2026<\/time>\n<div class=\"trans__update-copy\">\n<p class=\"trans__update-title\">Meet Artis Pukitis, the New CEO of Hive5<\/p>\n<p>The new Hive5 CEO&#8217;s background in lending and his priorities for the platform.<\/p>\n<\/div>\n<a class=\"trans__text-link\" href=\"https:\/\/hive5.com\/blog\/meet-artis-pukitis-the-new-ceo-of-hive5\/\">Read article <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"16\"\/><\/a>\n<\/li>\n<li class=\"trans__update-item\">\n<time class=\"trans__update-date\" datetime=\"2026-09-29\">29 Sep 2026<\/time>\n<div class=\"trans__update-copy\">\n<p class=\"trans__update-title\">Hive5 launches its secondary market<\/p>\n<p>The launch of Hive5&#8217;s secondary market and how to use it.<\/p>\n<\/div>\n<a class=\"trans__text-link\" href=\"https:\/\/hive5.com\/blog\/hive5-launches-its-secondary-market\/\">Read update <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"16\"\/><\/a>\n<\/li>\n\n<li class=\"trans__update-item\">\n<time class=\"trans__update-date\" datetime=\"2026-09-17\">17 Sep 2026<\/time>\n<div class=\"trans__update-copy\">\n<p class=\"trans__update-title\">Transparency information reviewed<\/p>\n<p>Investment structure, risk explanations and the scope of our Croatian legal assessment.<\/p>\n<\/div>\n<a class=\"trans__text-link\" href=\"#legal\">Read assessment <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/chevron-right.svg?ver=1787815611\" width=\"16\"\/><\/a>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section class=\"trans__section\" id=\"faq\">\n<div class=\"container trans__faq\">\n<div class=\"trans__faq-intro\">\n<h2 class=\"trans__section-title\">Your questions, answered<\/h2>\n<p class=\"trans__section-lead\">Find clear answers to the details that matter before you invest.<\/p>\n<\/div>\n<div class=\"trans__faq-list\">\n<div class=\"trans__faq-item is-open\">\n<button aria-controls=\"faq-1\" aria-expanded=\"true\" class=\"trans__faq-trigger\" type=\"button\">What is Hive5&#8217;s regulatory status? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" id=\"faq-1\">\n<p>Hive5 operates a marketplace for claim rights arising from loans already issued and funded by lending companies. Our current legal position is that this model does not require authorisation as a crowdfunding provider, investment firm, payment institution or e-money institution in Croatia.<\/p>\n<a class=\"trans__how-link\" href=\"https:\/\/hive5.com\/es\/blog\/novedades-sobre-la-transparencia-de-hive5-nuestro-modelo-de-plataforma-y-declaracion-juridica\/\">Read our marketplace and legal overview <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"24\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/arrow-see-how.svg?ver=1787818454\" width=\"24\"\/><\/a>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-2\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">How does my balance differ from an investment? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-2\">\n<p>Your balance consists of funds available for investment or withdrawal. When you invest, those funds are used to acquire contractual claim rights under an Investment Agreement.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-3\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">How are uninvested funds held? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-3\">\n<p>They are held in dedicated investor-funds accounts, separate from Hive5&#8217;s operating funds, with accounting records and reconciliations. This is not statutory deposit protection.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-4\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">What does the buyback obligation cover? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-4\">\n<p>The buyback obligation applies to all loans on Hive5. Once a payment is more than 60 calendar days overdue, the lending company must repurchase the claim rights with accrued interest. Payment depends on its financial capacity.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-5\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">What should I review before choosing a lending company? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-5\">\n<p>Review the company&#8217;s lending model and operating market, the stated interest rate, investment term and repayment schedule. Make sure you understand the investment risks, buyback terms and your total exposure across Hive Finance Group.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-6\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Who assesses the borrower? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-6\">\n<p>The lending company makes the credit decision and services the loan. Its checks depend on the product, borrower and local market.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-7\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">What if Hive5 or a lending company becomes insolvent? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-7\">\n<p><strong>If Hive5 becomes insolvent,<\/strong> your Investment Agreement with the lending company remains in force. Hive5 would stop new investments, provide your transaction records and return available uninvested funds where permitted by law. Servicing and payments could still be delayed.<\/p>\n<p><strong>If a lending company becomes insolvent,<\/strong> it may be unable to make repayments or fulfil its buyback obligation. Recovery would follow the procedure in your Investment Agreement and applicable law. Payments may be delayed, and the amount recovered may be less than the amount invested.<\/p>\n<\/div>\n<\/div>\n<div class=\"trans__faq-item\">\n<button aria-controls=\"faq-8\" aria-expanded=\"false\" class=\"trans__faq-trigger\" type=\"button\">Can I exit before the repayment date? <img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"16\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/icon-chevron-down.svg?ver=1787815613\" width=\"16\"\/><\/button>\n<div class=\"trans__faq-panel\" hidden=\"\" id=\"faq-8\">\n<p>You can sell an investment on the Secondary Market before its repayment date if a buyer is found. Offering a discount of up to 50% lowers your sale price and may help attract buyers, but it does not guarantee a sale. If no buyer is found, the investment remains in your portfolio under its repayment terms.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"help__cta trans__help-cta\" id=\"support\">\n\n<div class=\"container help__cta-inner trans__help-cta-inner\">\n<div class=\"help__cta-icon trans__help-cta-icon\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"80\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/cta-envelope.svg?ver=1787817143\" width=\"100\"\/>\n<\/div>\n<div class=\"trans__help-cta-text\">\n<h2 class=\"help__cta-title\">We are here to help<\/h2>\n<p class=\"help__cta-copy\">Have a question about Hive5? Our support team is here to help.<\/p>\n<\/div>\n<a class=\"btn btn--primary help__cta-btn\" href=\"mailto:support@hive5.com\">Contact support <\/a>\n<\/div>\n<\/section>\n<div aria-label=\"People and responsibilities\" aria-modal=\"true\" class=\"trans__zoom\" hidden=\"\" id=\"gov-zoom\" role=\"dialog\">\n<button aria-label=\"Close people and responsibilities\" class=\"trans__zoom-backdrop\" data-gov-zoom-close=\"\" type=\"button\"><\/button>\n<div class=\"trans__zoom-panel\">\n<button aria-label=\"Close\" class=\"trans__zoom-close\" data-gov-zoom-close=\"\" type=\"button\">\n\t\t\t\t\tClose\n\t\t\t\t<\/button>\n<div class=\"trans__chart\">\n<div class=\"trans__tier\">\n<div class=\"trans__tier-header\">\n<p class=\"trans__tier-label\">OWNERSHIP LINK<\/p>\n<h3 class=\"trans__tier-title\">Shareholders<\/h3>\n<\/div>\n<div class=\"trans__person-grid trans__person-grid--2\">\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/andrius-avatar.png?ver=1788957852\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">MAIN SHAREHOLDER<\/p>\n<p class=\"trans__person-name\">Andrius Rup\u0161ys<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/ruptela.svg?ver=1788957864\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">SHAREHOLDER<\/p>\n<p class=\"trans__person-name\">Ruptela Group<\/p>\n<\/div>\n<\/article>\n\n<\/div>\n<p class=\"trans__tier-note\">Contractual obligations belong to the company identified in your agreement. Review its responsibilities and the conditions that apply to your investment.<\/p>\n\n<\/div>\n<div aria-hidden=\"true\" class=\"trans__connector\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"40\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/connector.svg?ver=1787815611\" width=\"16\"\/>\n<\/div>\n<div class=\"trans__tier\">\n<div class=\"trans__tier-header\">\n<p class=\"trans__tier-label\">EXECUTIVE MANAGEMENT<\/p>\n<h3 class=\"trans__tier-title\">Group leadership<\/h3>\n<\/div>\n<div class=\"trans__person-grid trans__person-grid--2\">\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/krisjanis-avatar.png?ver=1786557597\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">CEO, HIVE FINANCE GROUP<\/p>\n<p class=\"trans__person-name\">Krisjanis Znotins<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/anete-avatar.png?ver=1788957857\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">GROUP CHIEF OPERATING OFFICER<\/p>\n<p class=\"trans__person-name\">Anete Pallo<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<div aria-hidden=\"true\" class=\"trans__connector\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"40\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/connector.svg?ver=1787815611\" width=\"16\"\/>\n<\/div>\n<div class=\"trans__tier\">\n<div class=\"trans__tier-header\">\n<p class=\"trans__tier-label\">CONTROL &#038; OPERATING FUNCTIONS<\/p>\n<h3 class=\"trans__tier-title\">Named responsibility owners<\/h3>\n<\/div>\n<div class=\"trans__person-grid\">\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/alexander-avatar.png?ver=1788957853\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">RISK &#038; PORTFOLIO<\/p>\n<p class=\"trans__person-name\">Alexander James<\/p>\n<p class=\"trans__person-meta\">Group Chief Risk Officer<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/aleksejus-avatar.png?ver=1788957854\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">FINANCE &#038; REPORTING<\/p>\n<p class=\"trans__person-name\">Aleksejus Tonkich<\/p>\n<p class=\"trans__person-meta\">Chief Financial Officer<\/p>\n<\/div>\n<\/article>\n<article class=\"trans__person-card\">\n<div class=\"trans__avatar\">\n<img loading=\"lazy\" decoding=\"async\" alt=\"\" height=\"66\" src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/transparency\/inga-avatar.png?ver=1788957864\" width=\"66\"\/>\n<\/div>\n<div class=\"trans__person-copy\">\n<p class=\"trans__person-role\">MARKETPLACE OPERATIONS<\/p>\n<p class=\"trans__person-name\">Inga Zubanov\u0117<\/p>\n<p class=\"trans__person-meta\">Head of Operations, Hive5<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/main><\/div>\n<script>\n(function(){\n  if(!document.body.classList.contains('page-id-2998')) return;\n  var page=document.querySelector('.trans__page');\n  if(!page) return;\n  var prose=page.closest('.page-prose__body');\n  if(prose) prose.classList.replace('page-prose__body','trans-preview-body');\n  var shell=page.closest('.page-prose');\n  if(shell){\n    var container=shell.querySelector(':scope > .container');\n    if(container) container.classList.replace('container','trans-preview-container');\n    shell.classList.replace('page-prose','trans-preview-shell');\n  }\n})();\n<\/script>\n<script src=\"https:\/\/hive5.com\/wp-content\/themes\/hive5\/assets\/js\/transparency.js?ver=1789490745\"><\/script>\n","protected":false},"excerpt":{"rendered":"<p>Transparency hub Understand your investment. See how Hive5 works. Get a clear view of the companies, agreements and processes behind your investment. Explore how repayments work, how risks are managed and where to find our financial reports. Updated 12 October 2026 Explore how it works Read the financial reports How investing works People &#038; companies [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3474","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Transparencia - Hive5<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hive5.com\/es\/transparencia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transparencia - Hive5\" \/>\n<meta property=\"og:description\" content=\"Transparency hub Understand your investment. 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