Introductions & evaluation
Profiles, private project review, non-binding interest and business introductions can operate without PACTUM collecting project funds.
International Participation Framework
Global Reach.
Local Rules, Applied Properly.
PACTUM is built for international business. It can connect a need to the right parties across borders, while each commission, investment, payment or public collection follows the rules that apply to the people, project and transaction involved.
CURRENT IMPLEMENTATION STRUCTURE
PACTUM is founded and directed by Kamal EL FARRICHA. The product is currently developed and operated under ScalniQ for the implementation phase only. Any later commercial mandate, invoice, fundraising route or payment function must identify the legal entity responsible for that specific activity before it begins.
Payments & funding
Payment buttons remain off until the operator, beneficiary, provider, disclosures and transaction contract are verified.
The five operating routes
B2B introduction or commercial mandate
PACTUM identifies a counterparty or coordinates a defined assignment. Before the introduction is protected, the parties sign an engagement letter with the fee, payment trigger, protected parties, term and post-termination period.
Advisory or delivery work
A statement of work names the deliverables, responsible parties, timetable, price, acceptance method, confidentiality and ownership of the work produced.
Idea, white paper or project rights
The creator keeps ownership unless a signed document grants a licence, assignment, option, co-ownership or revenue share. Sensitive material first goes behind an NDA and an ownership schedule.
Investment interest
PACTUM may record non-binding interest and arrange controlled discussions. It does not promise allocation or returns. The investment proceeds only after KYC, due diligence, risk disclosure, valuation and definitive transaction documents through an appropriate legal and regulated route.
Crowdfunding or public benefit
Public collection is handed to an authorised crowdfunding operator or verified beneficiary with a regulated payment channel. Each project needs its own information, target, use of funds, risks, failure outcome, withdrawal or refund rule and traceable account.
The international operating rule
International availability does not mean that every regulated service is available in every country. Before a financial feature opens, PACTUM identifies the operating entity, the project owner or issuer, each participant’s country of residence, the destination of funds, the currency and the countries where the opportunity is communicated. The result is recorded in a country-access matrix as available, restricted to non-binding interest, routed through a licensed partner or unavailable.
No term on this website overrides mandatory local law. PACTUM may restrict a country, participant or project and may require local counsel or a regulated partner before allowing the next step.
How the route changes by market
European Union and EEA
Business investment and lending campaigns within the European crowdfunding framework must use an authorised European crowdfunding service provider and the required project information, investor-protection and payment arrangements. Other financial instruments, consumer projects or larger offers may fall under different European and national rules.
United States
A securities offering relying on Regulation Crowdfunding must be conducted through one online platform operated by an intermediary registered with the SEC as a broker-dealer or funding portal and registered with FINRA. PACTUM does not present itself as that intermediary.
United Kingdom
Loan-based and investment-based crowdfunding are regulated activities. Donation and reward models follow a different perimeter, but payment, consumer, charity, advertising and fraud rules may still apply.
Other countries
PACTUM checks the local classification of the project, promotion, commission and payment flow before launch. Where the route is uncertain, the site remains limited to private evaluation and non-binding expressions of interest.
Illustrative official references, not an exhaustive country list: EU Regulation 2020/1503, US SEC Regulation Crowdfunding guidance and UK FCA crowdfunding perimeter.
Commission framework
A commercial commission must be linked to a signed mandate, not to a dashboard number. The mandate should name the transaction, protected counterparties, exclusivity or non-exclusivity, the success event, fee base, percentage, tax treatment, invoicing date, payment deadline, currency, evidence of completion, excluded prior contacts and the period during which a later transaction remains protected.
A commission connected to the purchase or sale of shares, debt, profit rights or another regulated financial instrument is treated separately. PACTUM does not earn or pay transaction-based securities compensation unless the applicable law allows it and the work is carried out through the required licensed or registered party.
Investment and rights framework
PACTUM must separate three records: the project presentation, the non-binding interest record and the final deal. The final deal should identify the issuer or project vehicle, investor rights, governance, dilution, information rights, transfer restrictions, intellectual property, conflicts, fees, risks and exit mechanics. Where public solicitation or a regulated instrument is involved, qualified counsel and the competent regulated provider are mandatory.
Donation framework
Public-benefit pages can explain the project and invite contact now. Collection starts only when the eligible recipient and regulated route are confirmed. PACTUM should never mix operating income, commissions and project donations in one balance. The beneficiary must control the use-of-funds record and any receipt, refund or failure process.
Why Payoneer is not selected for donations
Payoneer’s current terms describe business payments for goods and services and commercial transactions. That makes it potentially useful later for approved B2B invoices or PACTUM service fees, but it is not the default checkout for public donations or investment collection. No Payoneer donation button will be activated without explicit written approval from Payoneer and confirmation that the proposed use is lawful in every country involved.
Contract pack required before launch
- Legal notice with the operator’s full identity and contact details.
- Member Terms and Privacy Notice with versioned acceptance.
- B2B introduction and success-fee mandate.
- Advisory statement of work and subcontractor terms.
- NDA and intellectual-property ownership or licence schedule.
- Project submission declaration and due-diligence checklist.
- Investment interest notice and transaction-specific risk disclosures.
- Agreement with an authorised crowdfunding/payment partner.
- Public-benefit project, beneficiary, use-of-funds and refund terms.
- Conflict-of-interest, KYC/AML, sanctions and record-retention procedures.
IMPORTANT
This is an international launch-control framework, not individual legal advice or a claim that PACTUM is licensed in every country. Lead counsel in the operator’s home jurisdiction and qualified local counsel in each active market should validate the entity, contracts, taxes, promotions, commissions, cross-border data and money flows, sanctions exposure and provider agreements before financial functions go live.