Linqto Review 2025: A Comprehensive Overview of Features and Performance

Linqto provides accredited investors with a low-cost and accessible way to invest in some of the hottest private companies.

This is one way people were able to get their foot in the door with businesses such as Coinbase and NerdWallet before they became publicly traded.

Linqto Reviews: What Is Linqto?

Linqto is an online platform that makes it simple to invest in private companies. Linqto provides access to private investments and is democratizing access to private markets, breaking down barriers for individual investors to participate in opportunities that were once exclusive to institutions. Unlike traditional brokerages that offer investments in public companies, Linqto is focused on private securities.

That means it offers investors access to start-ups and pre-IPO opportunities. Linqto enables investors to participate in private equity investments, including some of the world’s leading unicorns. Linqto only offers investors shares it has already purchased—Linqto owns the shares it sells—so every offering in the company’s portfolio is guaranteed to close, ensuring guaranteed access for investors.

What’s more, Linqto’s minimum investment of only $10,000 is more accessible than other private investment sites, which might require minimums in the tens of thousands or even $100,000 to begin.

Compare Linqto to Others

Linqto is one of several platforms that provide access to asset classes that were previously considered off-limits to all but the most sophisticated investors. Linqto allows investors to access investments in mid to late stage private companies, offering opportunities to participate in established businesses approaching liquidity events.

Here’s how Linqto compares to other investment options currently available. Linqto features private companies identified through a proprietary vetting process, ensuring transparency and due diligence in private market investments.

RealtyMogul

While Linqto specializes in private investments with pre-IPO firms, RealtyMogul specializes in real estate investing.

Both sites offer options for accredited investors, but RealtyMogul also works with non-accredited investors by allowing them to invest in real estate investment trusts (REITs).

The minimum starting investment on RealtyMogul is $5,000, while it is $10,000 on Linqto.

Republic

As a crowdfunding site, Republic doesn’t require users to be accredited, although there may be SEC limits on how much one individual can invest.

The platform features start-ups that have gone through a vetting process, and you can invest as little as $10 in some companies.

With Linqto, there is a uniform process for making investments, but with Republic, start-ups can create their own investment requirements.

Yieldstreet

Both Linqto and Yieldstreet require users to be accredited. With Linqto, investors have access to pre-IPO companies, but Yieldstreet has a more diverse range of investment options.

These include real estate, art, and legal finance. Yieldstreet’s minimum investment is lower than that of Linqto, at only $5,000.

Who Is Linqto For?

You’ll need to be an accredited investor to use Linqto. That isn’t a rule created by Linqto but rather a requirement of the federal Securities and Exchange Commission.

There are three ways to become an accredited investor on Linqto:

Financial certification: Available to those who work in finance, are fully licensed with a financial services employer, and have passed series 7, 65, or 82 exams.

Net worth test: Applies to those with total net assets of at least $1 million, not including a primary residence.

Income requirement: Requires a $200,000 annual income as an individual or a $300,000 annual income with a spouse. The income requirement must be met for the previous two years and is expected to be met in the current year.

Linqto verifies accredited investors using a simple online process that takes approximately 10 minutes to complete.

If you are eligible to become an accredited investor, there are several investment platforms available to you. However, Linqto might be best for those seeking the following:

• Diversification through private investments is not available on the stock market.
• Ability to invest with as little as $10,000.
• Security of knowing a sale won’t fall through since Linqto has already purchased shares.
• The convenience of a user-friendly app that streamlines the sales process.

A certain level of risk is involved in private investments that might not be present in other asset classes.

Only those who understand and are comfortable with that risk should use Linqto or similar sites. It is essential to seek professional advice before making any investment decisions.

What Other Accounts Does Linqto Offer?

Unlike some online brokerages that offer CDs, money market accounts, and other investments, Linqto is laser-focused on its mission. It offers private investments in vetted companies and nothing more.

Linqto allows investors to link their accounts to Uphold, a digital wallet that supports cryptocurrency, commodities, equities, and more. Investors may also transfer proceeds from their investments to a brokerage account if needed.

This makes it simple to transfer money and complete Linqto investments using various assets.

The platform also has a rewards program in the form of Linqto Bucks. When a friend signs up with your referral, they will receive $250 in Linqto Bucks. Once they complete their first investment, you’ll get $750 in Linqto Bucks.

Pros and Cons of Linqto

Linqto gets high marks for being innovative and accessible. Still, as with any brokerage or investor service, there are some things you should be aware of when using Linqto.

Top Features of Linqto

Linqto offers an innovative way for eligible investors to tap into private investments. Linqto enables investors to access private companies by purchasing shares from early investors, company advisors, and current and former employees.

As part of the due diligence process, reviewing offering documents, such as the private placement memorandum and subscription agreement, is vital to understand the terms, legal obligations, and risks associated with these investments. The following are among its top features:

Vetted Private Companies

Linqto uses a proprietary analysis to locate the companies in its portfolio.

They promise these aren’t just random companies but vetted high-valuation start-ups and unicorns worthy of your investment dollars. Linqto often features companies backed by institutional venture capital that operate in innovative sectors such as artificial intelligence, health tech, and sustainable materials.

Guaranteed Sales

Investors don’t have to worry about deals taking months to complete or falling through. That’s because Linqto isn’t a basic broker. The platform has already bought company shares, so every deal it features is guaranteed to close.

Simple Verification Process

Becoming an accredited investor may sound like a complex process, but Linqto boils it down to about 10 minutes of your time. Signing up on the company’s website or app is a relatively easy process.

Daily Market Insights

If you are interested in unicorns, Linqto has market insights on more than 1,000 of them, and investors get access to all that information.

Linqto Bucks

It’s always nice to be rewarded, and Linqto will do just that if you refer a friend to their platform. Upon signing up, your friend will get $250 in Linqto Bucks, while you’ll be given $750 Linqto Bucks once they make their first investment.

Is Linqto Safe? Security and Data Protection

When it comes to private market investments, security and data protection are top priorities for both Linqto and its investors.

As a Delaware limited liability company, Linqto is dedicated to maintaining the highest standards of confidentiality and integrity for all users engaging in private investing on its platform.

SSL Technology

Linqto employs advanced security measures to safeguard individual investors’ personal and financial information. The platform utilizes robust encryption protocols and Secure Sockets Layer (SSL) technology to ensure that all data transmissions are protected from unauthorized access.

Regular bug fixes and security updates address potential vulnerabilities, keeping the platform resilient against emerging threats.

Compliance

Compliance is at the core of Linqto’s operations. The company’s data protection policies are designed to meet the requirements of the SEC and adhere to state securities laws, providing peace of mind for those investing in private companies and private equity. Linqto’s security protocols are continuously reviewed and enhanced to stay ahead of industry standards and regulatory expectations.

Monitoring Third-Party Service Providers

In addition to its internal safeguards, Linqto carefully selects and monitors third-party service providers to ensure they uphold the exact rigorous data handling and security standards. This commitment extends to preventing money laundering and other illicit activities, helping to maintain a safe and trusted environment for private market transactions.

Dedicated Security Team

The Linqto platform is designed to offer a secure and user-friendly experience, allowing investors to access their accounts and manage their investment strategy confidently. A dedicated security team actively monitors the platform, ready to respond swiftly to potential incidents and minimize user access or investment disruptions.

By prioritizing security and data protection, Linqto empowers its users to focus on discovering new investment opportunities in private companies, digital assets, and the world’s leading unicorns, knowing their information and assets are protected every step of the way.

How to Get Started

First, if you haven’t already, you need to be verified as an accredited investor. Linqto can help with this process, and while they don’t outline the steps on their website, they promise it can be completed in 10 minutes on your end.

As with any financial product, you should be ready to provide the following information:

• Name and contact information
• Proof of identification, such as a driver’s license
• Social Security Number
• Details for any accounts to be linked

If you have to upload documents to become accredited, be aware that it could take 48 hours for Linqto to review them.

Before investing, it is essential to conduct your own independent due diligence, carefully review all relevant materials provided, and assess the risks involved. Make sure to thoroughly examine documentation and perform due diligence to make informed decisions.

Rating Linqto’s Features

Before you invest in Linqto, let’s examine some of its features closer. Private equity investments involve a high degree of risk, and investors should be fully aware of these risks before investing. Additionally, it is vital to consider the process and any potential limitations regarding the ability to sell shares on the platform, as liquidity can be restricted and may impact your investment decisions.

User Experience

With a simple sign-up process, Linqto makes it easy to access what has traditionally been thought of as complex investments.

You can access Linqto via its website or an Apple or Android app. In fact, the company says its service works best via the apps. Users will find they have a clean interface with which to manage their accounts and review investment options.

Transparency

Visitors to Linqto will find a minimalist web design that makes it easy to find investment options and videos that explain the basics of private investing and how to become an accredited investor.

You’ll have to head to the bottom of the page to find a link to the FAQs though.

While helpful, this section isn’t as robust as we’ve seen elsewhere. For instance, it would be helpful to hear more details about what documentation may be needed during the verification process.

Flexibility

Depending on how you define flexibility, you may not find much of it here. Linqto is 100% focused on private investing in pre-IPO companies and doesn’t offer other products and services.

You’ll have to look elsewhere for a company that combines investing and banking in one place.

Bottom Line: Is Linqto Legit?

Linqto is in a class of its own when it comes to making private investments in pre-IPO companies more accessible. With its low $10,000 minimum and easy-to-use interface, it is bringing these investments to a whole new audience.

Of course, private investing does come with its own set of risks, and it’s always smart to confer with a financial planner before making a purchase. If you don’t qualify as an accredited investor, check out other top investment options to find the right platform for you.

Frequently Asked Questions (FAQs)

Important Legal Notice: Investments offered through Linqto, including Linqto Liquidshares, are not registered under the Securities Act of 1933 and may rely on exemptions provided by the Securities Act and applicable state securities laws. Purchasing Linqto Liquidshares may constitute investment in a fund that invests in private companies. There is no guarantee of a liquidity event or other liquidity event, such as an IPO or exit, and investors should be aware of the risks involved. Before investing, review the fund’s operating agreement, proprietary property disclosures, and other relevant materials to fully understand your legal rights and the obligations contained in the offering documents.