SmartPay™

SmartPay™ payouts for predictable monthly outgoings

SmartPay™ is a cash-flow timing service. You set allocate funds you already have (think: what you’d normally move into a rainy-day wallet or prepaid card), and we pre-fund your SmartPay™ balance so you can receive steady monthly payouts for either 3 or 6 months. No yields. No performance promises. Just predictable timing of your own money to match bills, subscriptions, and commitments.

How it works (plain and simple)

Step 1: Fund your balance once

Move money you’ve already set aside into your SmartPay™ balance, just like topping up a travel card before a trip. You choose the amount and confirm the transfer. From there, SmartPay™ uses that pre-loaded balance to release your own funds on the payout dates you’ve scheduled.

Step 2: Pick a plan

Pick the plan that fits your life: a 3-month or 6-month schedule. Next, choose the exact calendar dates you want payouts to land, say the 1st or the 15th, and we’ll line up your releases accordingly. You can request date changes before the cut-off if plans shift.

Step 3: Receive monthly payouts

On each scheduled date, SmartPay™ sends a payout from your pre-loaded balance, your own funds, released exactly when you asked. You’ll get a confirmation by email as soon as it’s initiated. Most bank transfers arrive within 1–3 business days, with weekends and public holidays rolling to the next business day.

Who is it for?

SmartPay™ is built for people who want steady, calendar-based payouts, perfect for freelancers and contractors with uneven income as well as anyone seeking short-term budgeting structure. Choose fixed 3- or 6-month payout schedules with transparent, flat fees shown upfront, get downloadable statements for your records, and if plans change, adjust dates or close early (subject to terms).

Features you’ll actually use

• Fixed 3- or 6-month payout schedules

• Transparent, flat fees (shown upfront)

• Downloadable statements for personal records

• Change dates or close early (subject to terms)

Constellation Income Fund

Constellation Income Fund with monthly distributions for qualified investors

Constellation Income Fund is an income-focused strategy designed for qualified investors who value steady, distribution-led outcomes without day-to-day portfolio management. The mandate targets 8% per annum, paid monthly, by allocating across a curated mix of high-income funds and income-oriented strategies. Access is limited to accredited or qualified investors in relevant jurisdictions.

This fund suits sophisticated or accredited allocators seeking a dependable distribution cadence and diversification across multiple high-income strategies under institutional oversight. If you prioritise smooth monthly cash flow, transparent reporting, and a manager-of-managers approach that reduces single-manager concentration risk, Constellation is designed with that brief in mind.

The objective is to provide monthly cash distributions anchored to a target 8% p.a., recognising that both the cadence and amounts depend on the strategy mix and market conditions. The multi-fund design aims to temper volatility relative to single-strategy exposure, while a documented reporting framework—monthly factsheets, quarterly updates, and tax statements—keeps performance and portfolio developments visible.

Terms

• Return profile: Target 8% p.a.

• Distribution: Monthly

• Eligibility: accredited/qualified investors only

• Minimum commitment: $25,000 USD

• Fees: Management and other fees disclosed in the PPM

Process

Step 1: Enquire & pre-screen

We first confirm you’re eligible and that the product can be offered in your location. This includes a quick check of your investor status and your country of residence, plus basic KYC/AML. Once verified, we’ll provide the documents and next steps

Step 2: Document access

You’ll get access to the core documents: the Private Placement Memorandum (PPM), the due-diligence questionnaire (DDQ), and the contractual terms and conditions. Review them at your pace, bookmark key sections, and raise any questions with our team before proceeding.

Step 3: Onboarding & KYC/AML

Complete the subscription pack online, including the subscription agreement, investor declarations, and required KYC/AML details. You’ll e-sign where applicable and upload any supporting documents. Our team will confirm receipt and notify you of any outstanding items before funding.

Step 4: Funding & allocation

Once all checks are cleared and funds have settled, your commitment is queued for the next scheduled dealing date under the fund’s timetable.

Step 5: Ongoing reporting

Each month you’ll receive a statement and any distribution notices directly . Every quarter, we publish an investor letter summarising performance, key drivers, positioning, risks, and outlook. All documents remain archived in your account for easy download and audit.