2026 GuideHow to tokenize an asset in Spain, reviewed by three law firms. Download it

Signing and collections

Collections that reconcile on their own.

Each issuance has its own collection account with its own IBAN. Your investors transfer with a reference and the purchase is approved when it matches. Contracts are signed inside, with verified identity. The automated IBAN is included in Scale and Institutional, and in Starter and Growth it costs 150 € per month.

Collection account · Your Company Bond 2028ES76 •••• •••• •••• •••• 4821
  • Investor 0412HKF82044177315,000.00 €Purchase approved
  • Investor 0388HKF82044092151,200.00 €Purchase approved
  • Investor 0451HKF82044200862,450.00 €You review
  • Investor 0207HKF820439884210,000.00 €Purchase approved

Example transactions.

This is how the money comes in.

  1. 01SubscribesYour investor chooses how much to invest on your portal.
  2. 02Receives their payment detailsThe IBAN of your issuance account and a unique reference starting with HKF.
  3. 03TransfersFrom their bank, with the reference in the reference field.
If it matches

If the reference and amount match, the purchase is approved automatically and their securities are ready to be issued.

If it doesn't match

If the amount is different, the reference doesn't exist or arrives late, nothing is approved automatically. We notify you and you decide whether to approve it or return the money.

The money does not pass through HokenFi.

The collection account is opened by an authorized payment provider, in the name of your company. HokenFi does not receive or custody your investors' money.

Signatures that can be verified.

Contracts are signed within the platform, without printing or scanning. And anyone can later verify that the signed document is the same.

Identity verified at signing
Before each signature, it is checked that the signer is still verified.
A record that cannot be rewritten
Every step is recorded in a chain of events. If a single byte of the document changes, it is noticeable.
Certificate and seal
The final document includes a certificate of how it was signed and the platform's seal.
Verifiable by anyone
Anyone who receives the document can verify that it has not been altered.
Questions

What beginners usually ask.

Which plans include the IBAN account?

The account with IBAN and automatic approval are included in Scale and Institutional. In Starter and Growth they are a plugin for 150 € per month.

Does my investors' money go through HokenFi?

No. The collection account is opened by an authorized payment provider, in the name of your company. HokenFi does not receive or hold funds in custody.

What happens if an investor gets the reference or amount wrong?

The purchase is not approved automatically. We notify you and you decide whether to approve it or return the money.

When do I get the collection account?

You request it as the last step before opening to your investors. You can also request it with the issuance already open.

What is signed within the platform?

The documents they send you to sign, with the identity of the signer verified at that moment.

How do I know a signed document has not been altered?

It includes a certificate of how it was signed and the platform's seal. If anything changes, the seal is no longer valid.

Get started

Do you want to collect payments without reconciling transfers by hand? Start today.

Create your account and open the collection account for your issuance when you are about to open to your investors.