Segregated Accounts: Why One Property Never Touches Another
When many people pool money into property, the most important question is not how much will it earn. It is where is the money, and can it be used for anything else? Segregation is the answer: one property, one legal entity, one bank account, one ledger.
What segregation means
- One property. Each investment is a single, identified asset.
- One entity. The property is held by its own legal entity, so its assets and liabilities stay separate from every other property and from the platform.
- One bank account. Investor payments go into a designated account for that property only.
- One ledger. Every receipt, expense, distribution and sale of that property is recorded in its own books.
Why commingling is dangerous
If the money for Property A and Property B sits in one account, a shortfall in B can be paid for out of A's investors' money, and nobody can say whose rupee is whose. Many failures of pooled schemes elsewhere began with commingled funds. Segregation makes that structurally impossible rather than a matter of promise.
How the money moves
- You pay a reference such as WZ-7F3K-21 into the property's account.
- The payment is matched to a bank transaction. A screenshot is evidence, never settlement.
- Only after matching are units issued and the capital recorded as investor capital, a liability, never revenue.
- Every entry goes onto an append-only ledger. Mistakes are corrected with reversing entries, never edits.
Checks built into the system
- A payment is refused if the receiving bank account does not belong to the property.
- Totals are checked continuously: units in the ledger must equal units issued, and debits must equal credits for every property.
- Distributions need two people: one prepares, a different one approves.
What to ask any platform
- Does each property have its own bank account?
- Who is the legal owner of the asset, and how are my units recorded?
- Can I see a statement of my units and payments?
- What happens to my units if the platform itself fails?
Be cautious about any answer that is vague. WIZ is still finalising the legal structure for how investors formally hold their stake, and says so openly on its fees and FAQ pages. Read the risk disclosure before you invest.
Frequently asked questions
What is a segregated account in pooled real estate?
A bank account used for one property only, alongside its own legal entity and ledger, so investor money is never mixed with another property or with the platform.
Why does segregation matter to investors?
It stops one property's shortfall being paid out of another property's investors, and makes every rupee traceable.
Is a screenshot enough to prove my payment?
No. A payment counts only once it is matched to a settled bank transaction; a screenshot is evidence, never settlement.
