Monisa

Investing in alternative assets, specifically Income Share Agreements (ISAs) and creator economy securitizations, involves significant risks. This Risk Disclosure Statement outlines key risks associated with the Monisa Platform. By using our services, you acknowledge that you have read, understood, and accepted these risks.

General Investment Warning

Investments on Monisa are speculative, illiquid, and involve a high degree of risk, including the potential loss of your entire investment. Returns are not guaranteed. You should not invest any funds that you cannot afford to lose completely.

1. Performance & Income Risk

The value of ISA-backed securities is directly tied to the future income of students or creators. Monisa does not guarantee that:

Students will find employment within a specific timeframe or at all.
Students will earn above the Minimum Income Threshold required for repayment.
Creators will maintain their revenue streams or audience engagement.

Economic downturns, industry shifts, or personal circumstances may significantly impact repayment rates.

2. Liquidity Risk

ISA-backed assets are generally illiquid. While Monisa may offer a secondary market or "Exchange," there is no guarantee that:

A buyer will be available when you wish to sell your position.
You will be able to exit your investment at a specific price or time.

Investors should expect to hold these assets to maturity (often 2-5 years).

3. Regulatory & Legal Risk

The regulatory environment for ISAs is evolving. Changes in consumer protection laws, lending regulations, or bankruptcy classifications in various jurisdictions (US, Europe, etc.) could:

Limit the enforceability of ISA contracts.
Impose caps on repayment amounts or terms.
Affect the tax treatment of returns.

4. Servicing & Operational Risk

Returns depend on the effective servicing of contracts (income verification and payment collection). Risks include:

Technical failures in income tracking integrations.
Students intentionally underreporting income or working in cash-based economies to evade repayment.
Delays in distributions due to banking or payment processing issues.

5. Forward-Looking Statements

Any projections, estimates, or "stress test" results provided by the Monisa Tranche Analyzer are hypothetical and for illustrative purposes only. Past performance of similar cohorts does not guarantee future results.