The platform
One relationship. Every dimension of your financial life — restructured.
Conventional wealth managers offer advice. Aurum enforces outcomes. Every position is structured for full disclosure, compliant reporting, and clean exit — documented for your home-country tax authority from day one. For clients who require it, positions can be governed by the L3RS-1 compliance protocol — an open standard covering identity binding, pre-settlement verification, and governance override. It is available as infrastructure. It is not a requirement.
The HNWI route qualifies on assets, not days in-country. Zero personal income tax on all foreign-source income from the first day of residency. Fully CRS-reportable. See /opportunity for the full tax comparison.
Introduction to TBC Bank (TBCG.L) and Bank of Georgia (BGEO.L). Multi-currency accounts. Full SWIFT correspondent relationships. See /georgia for the full banking profile.
CRS-reportable from day one — structured for disclosure, not opacity. Every structure documented for your home-country tax authority. See /verification for the full legal basis.
Two routes to Georgian asset allocation: conventional instruments (bank deposits, government bonds, direct real estate) and protocol-governed tokenized positions. Both qualify for the same tax treatment. See /vaults for current yields and availability.
Ministry of Finance Decision N201 classifies crypto proceeds as non-Georgian-source income. See /crypto for the full regulatory framework.
International school placement. Curated residential search. 90-day arrival concierge. See /tbilisi for cost of living and lifestyle details.
How to engage
One offering. Everything included.
Aurum does not offer entry-level packages or scaled-down versions of the service. Every client relationship is structured to the same institutional standard — because partial structuring produces partial outcomes.
STAGE 1 · APPLICATION
USD 3,500
Nonrefundable application fee
What this covers
- ·Freedom Audit — full review of your current tax residency position and exposure across all jurisdictions
- ·Georgian HNWI eligibility assessment — asset and income threshold verification
- ·Government-level KYC and AML review
- ·Independent background check
Timeline: 30 working days from submission to decision.
If your application is approved, you proceed to full onboarding. If it is not, or if you choose not to proceed, the application fee is not returned — it covers the advisory and compliance work performed.
Begin application →STAGE 2 · FULL ACCOUNT ONBOARDING
Scaled to allocation
One-time onboarding fee · on approval only
Annual platform fee: 1% of total allocation
Minimum allocation: USD 1,000,000
What this covers — everything
- ·Georgian HNWI tax residency — application filed, certificate managed annually
- ·Private banking introduction at TBC Bank (TBCG.L) and Bank of Georgia (BGEO.L)
- ·Multi-vault allocation — commercial real estate, government bonds, bank deposits, precious metals, private credit, digital assets
- ·SPV structuring across all positions
- ·Digital asset custody and compliance framework
- ·Multi-jurisdiction tax advisory and annual CRS documentation
- ·Dedicated senior relationship manager
- ·Aurum Gold Card (see below)
OPTIONAL ADD-ON
- +Relocation programme (optional) — school placement, residential search, 90-day arrival concierge, and medical relationships · For clients relocating to Tbilisi · Not required for clients using Georgian HNWI residency as a financial structure
No performance fees. No hidden charges. No lock-in penalties.
Request a consultation →INCLUDED WITH FULL ONBOARDING
The Aurum Gold Card
18-karat solid gold. Issued in collaboration with Mastercard.
HIS
HERS
Two expressions of the same freedom.
THE CARD
- —Limitless spending — no preset limit
- —Zero foreign exchange fees — in any currency, in any country
- —Dedicated elite concierge — 24 hours a day, available globally
- —Intrinsic value — at 18-karat purity, each card contains 39 grams of fine gold
THE PRIVILEGE
- —Freedom from transaction scrutiny — no behavioural data sold, no spending profile, no third-party analytics
- —Freedom of access — private aviation terminals, closed medical facilities, and invitation-only allocations. Not a points programme. A standing instruction
- —Freedom from settlement delay — same-day international settlement, no correspondent bank windows, no weekend holds
- —Freedom of inheritance — the card and its privileges transfer to a named successor under Georgian succession law. No inheritance tax event. No re-application
The Aurum Gold Card is a working instrument, a store of value, and a transferable asset. His and Hers. Issued on full account activation.
L3RS Foundation
STANDARDS LAYER
The independent, vendor-neutral body that governs the L3RS-1 open standard. Neither T3RRA nor Aurum controls the Foundation. The standard is royalty-free — any qualifying institution may implement it.
What it does
Governs L3RS-1 · Runs certification · Maintains specification · Advisory to regulators
What it does not do
Hold assets · Provide services · Take instructions from T3RRA or Aurum
T3RRA Ltd
ASSET ORIGINATOR & TECHNOLOGY PLATFORM
The first certified commercial deployment of L3RS-1. An independent, global blockchain-based capital markets platform that tokenises commercial real estate using the L3RS-1 standard.
What it does
Asset tokenisation · L3RS-1 certified · MPC custody · Global distribution
What it does not do
Manage Aurum clients · Hold Aurum client funds · Control L3RS standard
Aurum
PLATFORM LAYER
The client-facing wealth management platform. Introduces clients to Georgian banking, legal, and property infrastructure. Structures SPVs. Charges a platform fee. Does not hold client funds.
What it does
Introductions · SPV structuring · Advisory · Reporting
What it does not do
Hold funds · Issue securities · Provide banking · Guarantee returns
Client SPV (per investment)
ASSET LAYER
A Georgian LLC or JSC registered specifically for each investment. Holds legal title to the underlying asset. Issues tokenised equity to the client. Is owned by the client — not by Aurum or T3RRA.
What it does
Hold title · Receive income · Distribute yield · Issue tokens
What it does not do
Commingle funds · Share balance sheet with Aurum · Report to T3RRA
Client money flows: Client → Client SPV account (at TBC Bank or Bank of Georgia) → Underlying asset (a T3RRA-originated or L3RS-1 compliant instrument). Aurum manages the client relationship and structures the SPV. T3RRA creates the underlying tokenised instruments. Neither holds client funds in this chain.
Platform Architecture
Aurum · Infrastructure Stack
01 · Client Layer
Aurum — digital wealth platform
Private client portal · tax-resident onboarding · consolidated portfolio
02 · Infrastructure Layer
T3RRA — tokenized asset infrastructure
Vault issuance · SPV structuring · MPC custody
03 · Compliance Protocol
L3RS-1 — compliance engine
Identity binding · transaction rules · governance override
04a
Real estate
7–12% APY
04b
Gold
0% import
04c
Credit
RWA notes
05 · Settlement Layer
Georgian fiat & banking rails
06 · Regulatory Wrapper
Georgian tax framework
0%
Foreign income
0%
IHT
58
DTTs
Who Aurum is for
Entrepreneurs post-exit with USD 5M+ liquid seeking a defensible, permanent tax structure. Family offices with multi-jurisdiction exposure and inheritance tax liability. Professionals relocating from high-tax European jurisdictions. Founders with significant unrealised crypto gains needing a codified exit framework. Investors yielding 3–4% in Western markets seeking verified access to 7–12% APY. Anyone with USD 1,000,000+ in allocatable capital who values institutional rigour over advisory opinion.
The application process
Step 1: Submit an application with the USD 3,500 nonrefundable fee. Step 2: Aurum conducts a Freedom Audit, HNWI eligibility assessment, government-level KYC/AML, and background check. Step 3: Application submitted to Georgian Revenue Service. Decision within 30 working days. Step 4: On approval, an onboarding fee is assessed — USD 100,000 for allocations of USD 1,000,000–2,499,999, USD 150,000 for USD 2,500,000–4,999,999, and USD 250,000 for USD 5,000,000 and above. Full account activated on receipt.
Minimum requirements
Application fee: USD 3,500 (nonrefundable). Onboarding fee: USD 100,000 – 250,000 (on approval, scaled to allocation — see above). Minimum allocation: USD 1,000,000. Annual platform fee: 1% of total allocation. No performance fees. No hidden charges. No lock-in penalties. Fee structure confirmed in writing before any engagement begins.
Ready to explore the platform?
Request a discovery call →