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Quick answer: US non-accredited investors historically faced high minimums and annual caps on crowdfunding portals. WLTH offers tokenized, equity-backed pre-IPO Slices from $20 without requiring US accredited-investor status for standard retail access, subject to jurisdiction and fund eligibility checks in the app.
For decades, pre-IPO access was limited to accredited investors and institutions. Regulation Crowdfunding (Reg CF) and Regulation A+ opened some doors for US retail investors, but caps and deal types still restrict access to late-stage unicorns. WLTH uses a tokenized equity model focused on late-stage private companies, with a published $20 minimum and optional peer-to-peer marketplace liquidity when fund terms allow.

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US regulatory pathways (context)

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Regulation Crowdfunding (Reg CF)

  • Allows US companies to raise up to $5 million per year from non-accredited investors via SEC-registered funding portals.
  • Non-accredited investors face annual investment caps tied to income and net worth.
  • Typical focus: early-stage companies on portals like Republic, Wefunder, and StartEngine.
  • WLTH is not a Reg CF portal. It operates under a different model without Reg CF annual dollar caps, focused on late-stage pre-IPO companies.

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Regulation A+ (Mini-IPO)

  • Allows raises up to $75 million per year from accredited and non-accredited investors.
  • Produces publicly tradeable shares in some cases, but is primarily used for earlier-stage fundraising.
  • WLTH’s model does not rely on Reg A+ for late-stage pre-IPO access at low minimums.

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Regulation S (non-US investors)

  • Exempts offerings made outside the US to non-US persons from SEC registration.
  • WLTH provides global retail access where permitted, subject to jurisdiction-specific restrictions.

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What “accredited investor” means

In the US, an accredited investor typically has:
  • Annual income above 200,000∗∗(or∗∗200,000** (or **300,000 jointly) for two years, or
  • Net worth above $1 million excluding primary residence, or
  • Certain professional certifications.
Historically, this gated pre-IPO and private fund access to roughly 13% of US households. WLTH does not require US accredited-investor status for standard retail access, but jurisdictional and fund-level rules still apply.

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How WLTH enables retail pre-IPO access

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How to get started on WLTH

1

Create your account

Sign up at app.wlth.xyz with your email.
2

Complete verification

Complete KYC when prompted. Some jurisdictions are restricted.
3

Enable 2FA

Set up two-factor authentication before funding your account.
4

Browse pre-IPO opportunities

Visit Pre-IPO Access and review fund terms.
5

Invest from $20

Select your amount and confirm. Slices appear in your portfolio.

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FAQ

Yes, with the right platform. Reg CF and Reg A+ serve some US retail investors with caps. WLTH allows retail access to tokenized pre-IPO Slices without US accredited-investor status for standard access, subject to jurisdiction rules.
Republic and StartEngine are primarily US Reg CF / Reg A+ portals for early-stage companies with annual caps for non-accredited investors. WLTH focuses on late-stage pre-IPO companies with a $20 minimum and an on-chain marketplace for potential secondary liquidity.
$20 per position, published on the platform.
WLTH does not operate as a Reg CF portal and does not apply Reg CF annual dollar caps. Fund terms and jurisdiction rules still apply.
Late-stage private companies listed in the app. Availability varies by jurisdiction and offering. See Pre-IPO Access.
No. This page is educational. Review fund disclosures and Terms and Conditions before investing.