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PersoniFi Documentation

website·Indexed 29 days ago

https://personifi-docs.vercel.app/

Guides and resources for the PersoniFi platform, which enables investing in people rather than just companies. Includes documentation on deal structures such as PersoniFi FlexShare, FlexShareUpside, and SAFEguard, as well as onboarding workflows for investors, founders, athletes, creators, and fund managers.

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What's inside PersoniFi

  1. Overview of the SAFEguard+plus deal structure

    The SAFEguard+plus is the most comprehensive deal structure, combining two Equity Contracts (current and future companies) with an Income Contract. It provides investors with maximum upside (equity in multiple ventures) and minimum risk (income-based fallback). It is recommended for founders in the idea to seed stages.

  2. Overview of all PersoniFi deal structures by user type

    PersoniFi offers various deal structures tailored to the user's professional profile:

    User TypeDeal StructureIncome-BasedEquity-BasedFallback/Guarantee
    FounderPersoniFi SAFE—✓ (future)—
    FounderNon-Dilutive Flexquity✓ (CapGains)——
    FounderSAFE+plus—✓ (current + future)—
    FounderSAFEguard✓ (fallback)✓ (current)✓
    FounderSAFEguard+plus✓ (fallback)✓ (current + future)✓
    AthleteFlexShare✓ (in-sport + non-sport)——
    AthleteFlexShareUpside✓ (in-sport)——
    CreatorFlexShare✓ (in-creator + non-creator)——
    CreatorFlexShareUpside✓ (in-creator)——
    CreatorPersoniFi SAFE—✓ (future)—
    Fund ManagerFlexShare (FlexCarryShare)✓ (carry + guarantee)—✓
    Fund ManagerFlexShareUpside (CarryShare)✓ (carry only)——

  3. Overview of PersoniFi Investment Model

    PersoniFi enables investing in human potential across three primary categories: Entrepreneurs, Creators, and Athletes. Deals are customizable and typically center on two principles:

    1. Upside potential: Gained through equity in ventures, income shares from earnings, or both.
    2. Downside protection: Fallback terms designed to return the investor's capital if the primary venture does not succeed.

  4. Overview of the PersoniFi Investment Model

    PersoniFi allows investors to invest in individuals (founders, athletes, creators) rather than just a business entity. Unlike traditional investing based on business performance, PersoniFi focuses on a person's potential. It fills the gap between high-risk angel investments (all upside) and loans (no upside, mandatory repayment) by offering deals that typically include both upside potential and downside protection.

  5. Manage the investment lifecycle on PersoniFi

    PersoniFi provides end-to-end management for each investment, including:

    • Sourcing, vetting, and diligence.
    • Deal structuring and personalized terms.
    • Risk-minimized investment protection.
    • Contract enforcement and compliance.
    • Monitoring, tracking, and investor reporting dashboards.
    • Automated ISA cash distributions.

  6. Understand the SAFEguard deal structure

    SAFEguard is a hybrid structure combining equity upside with consistent cash flow.

    Key Components:

    • Equity: SAFE in the current company and any companies started within 10 years.
    • Income Share: Once the founder's salary exceeds $100k/year, they pay a percentage of their income monthly until 1x the original investment is returned.
    • Equity Clawback: Founders can buy back a small amount of equity via income share payments to reduce dilution (investors retain at least 50% of original equity).
    • Fundraise Incentive: Income sharing may stop if the founder raises $2M+ in institutional financing.

    Best for: Investors seeking balanced exposure with downside protection via cash flow. Risk: Returns depend on the founder's ability to earn over $100k/year within ten years.

  7. Understand the SAFEguard Flex deal structure

    SAFEguard Flex provides startup equity with a conditional safety net. It behaves like a standard equity deal unless the venture fails.

    Key Components:

    • Equity: SAFE in the founder's current venture.
    • Conditional Income Share: Activates only if the venture fails or the founder is no longer running it. Once active, the founder shares a percentage of income (when salary exceeds $100k) until 1x the investment is returned.

    Best for: Investors who want equity upside but want a guarantee that they won't be left with nothing if the startup fails. Risk: The safety net is only effective if the founder is capable of earning $100k+ in a non-founder role.

  8. General principles of PersoniFi deal structures

    PersoniFi deals are designed to balance upside potential with downside protection through several key mechanisms:

    • Customization: The person raising capital sets the terms, but structures are standardized to protect both parties.
    • Income Thresholds: Payments to investors only flow once the individual reaches a specific earning threshold.
    • Caps: Income Share Agreements (ISAs) include preset maximums to limit the total repayment amount and protect the individual's downside.

  9. Compare PersoniFi investment types

    PersoniFi offers four distinct investment types tailored to different investor goals and risk profiles:

    1. Buy Shares in a Founder: Designed for backing individuals with founder DNA. It combines startup equity with a capped revenue-share for the individual, providing cash yield and downside protection regardless of the startup's outcome.
    2. Invest in an Aspiring Creator: Designed to enable creators to go full-time. It provides upside revenue-share in creator earnings with insurance via a capped Income Share Agreement (ISA) tied to the person's fallback career.
    3. De-Risk an Early Startup Investment: Acts as a first-check or bridge to pre-seed. It combines startup equity with a proprietary instrument (similar to a SAFE for future ideas) and a capped ISA from the person's future salary, allowing the founder to claw back equity via payments.
    4. Invest in an Ambitious Person's Evolving Potential: A broad bet on an individual's entire career output. It provides equity in any companies, IP, royalties, or career earnings generated over a set period, serving as a financial cushion for the individual to explore multiple paths.

  10. Understand PersoniFi FlexShare income contract structures

    PersoniFi uses Income Contracts where investors participate in an athlete's future earnings rather than equity. Athletes can customize terms and see a real-time Deal Summary. There are two primary structures: FlexShare and FlexShareUpside.

  11. Utilize PersoniFi syndicate features

    PersoniFi provides a syndicate environment with the following characteristics:

    • Minimum Investment: Investors can commit as little as $500 per deal.
    • Founder Criteria: Open to all industries, all traction/revenue levels, and stages ranging from idea to seed.
    • Structure: Deals appear as a SAFE on the cap table, featuring an equity clawback mechanism to reduce dilution for founders and future investors.
    • Management: PersoniFi handles deal structuring, legal/financial work, and post-investment monitoring.

  12. Asset requirements for PersoniFi Deals

    When uploading materials for your Deal, adhere to the following constraints and recommendations:

    • Profile Photo: A professional, friendly, clear photo of your face. Max size: 5MB.
    • Video Intro: A 60-90 second introduction explaining who you are and what you are building. Max size: 150MB. (Optional, but increases engagement).
    • Pitch Deck: A link to a PDF, Notion page, or Google Slides presentation.
    • Personal Story: A description of your background, uniqueness, and accomplishments.