{"id":61285,"date":"2025-04-15T18:35:50","date_gmt":"2025-04-15T16:35:50","guid":{"rendered":"https:\/\/blog.urbanitae.com\/glossary\/provider-of-participatory-financing-services-ppfs\/"},"modified":"2025-04-22T21:16:12","modified_gmt":"2025-04-22T19:16:12","slug":"provider-of-participatory-financing-services-ppfs","status":"publish","type":"page","link":"https:\/\/blog.urbanitae.com\/en\/glossary\/provider-of-participatory-financing-services-ppfs\/","title":{"rendered":"Provider of Participatory Financing Services (PPFS)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61285\" class=\"elementor elementor-61285 elementor-60227\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d86d887 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"d86d887\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b49ddd\" data-id=\"8b49ddd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-083b30b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"083b30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>What are they?<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">PPFSs, such as Urbanitae, operate under Regulation (EU) 2020\/1503, which regulates participatory financing at the European level. This regulation replaced the previous framework in Spain for participatory financing platforms (PFPs) and has unified the requirements for all operators in the sector across the European Union. Thanks to this new regulation, Urbanitae can offer its services to investors throughout Europe with a single authorization process through the so-called European passport.  <\/p><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">This common framework strengthens transparency, investor protection, and system stability. Among other obligations, it requires PPFSs to classify investors based on their experience (<strong>experienced<\/strong> or <strong>inexperienced<\/strong>), assess the risks of each project, and provide all necessary information in a clear and understandable manner. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11c28c4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11c28c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Key aspects to consider<\/h3><p style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\">When investing through a Provider of Participatory Financing Services, it is essential to consider the following factors:<\/p><ul><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Scope of operation:<\/strong> PPFSs can operate throughout the European Economic Area, enabling more agile and diversified financing for both promoters and investors.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Investor protection:<\/strong> The regulation introduces specific safeguards for inexperienced investors, such as reflection periods, risk warnings, and investment limits.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Transparency and due diligence: <\/strong>PPFSs are required to offer detailed and understandable information about each investment opportunity and assess the solvency and viability of the published projects.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Operational limitations:<\/strong> These providers cannot hold funds or offer financial advice unless they have additional authorizations to do so.<\/li><li style=\"color: #212121; font-family: Roboto, sans-serif; font-size: 16px;\"><strong>Application to the real estate sector:<\/strong> In the case of Urbanitae, all published projects are real estate investments, mainly in equity or debt, analyzed and structured by a specialized team.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa563c5 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"aa563c5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41114ac\" data-id=\"41114ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43f7095 elementor-widget elementor-widget-html\" data-id=\"43f7095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"qode-advanced-call-to-action qode-advanced-cta-gradient qode-advanced-cta-gradient-animation\" style=\"height:80px\">\r\n            <a class=\"advanced-cta-link\" href=\"https:\/\/mkt.urbanitae.com\/Urbanitae_suscripcion_newsletter.html?utm_source=blog&amp;utm_medium=link_blog&amp;utm_campaign=suscripcion_blog&amp;utm_content=boton\" target=\"_blank\" onclick=\"dataLayer.push({'event': 'ub_ga4_event', 'ub_ga4_event_name': 'newsletter', 'ub_ga4_event_element': 'aprende'})\"><\/a>\r\n            <div class=\"qode-advanced-cta-content\">\r\n                <span class=\"qode-advanced-cta-text-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n Subscribe to our Newsletter <\/span>\r\n                <span class=\"qode-advanced-cta-icon-holder\" style=\"color:#FFFFFF;font-size:25px\">\r\n                    <span class=\"qode-advanced-cta-icon-holder-table\">\r\n                        <span class=\"qode-advanced-cta-icon-holder-cell\">\r\n                            <i class=\"qode_icon_font_awesome_5 fa5 fa fa-envelope-open-text qode-advanced-cta-icon\"><\/i> <\/span>\r\n                    <\/span>\r\n                <\/span>\r\n            <\/div>\r\n            <div class=\"qode-advanced-cta-background-holder\">\r\n                <span class=\"qode-advanced-cta-background-1 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-2 qode-type1-gradient-left-to-right\"><\/span>\r\n                <span class=\"qode-advanced-cta-background-3\"><\/span>\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What are they? PPFSs, such as Urbanitae, operate under Regulation (EU) 2020\/1503, which regulates participatory financing at the European level. This regulation replaced the previous framework in Spain for participatory financing platforms (PFPs) and has unified the requirements for all operators in the sector across&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":60866,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-61285","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Provider of Participatory Financing Services (PPFS) - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"A Crowdfunding Service Provider (CFP) is an authorized entity that connects developers in need of financing with investors who wish to participate in their projects through a digital platform.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/en\/glossary\/provider-of-participatory-financing-services-ppfs\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Provider of Participatory Financing Services (PPFS) - 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