Ten workflow agents
Agents that pre-check distributions, recommend approvals, explain reconciliations, waterfalls and transfers, narrate statements, route reports and propose schedules.
Ownership intelligence platform
Fragma
The operating system behind every property you own.
An ownership platform for shared real-estate vehicles: cap table, distributions, transfers, governance, compliance and reporting, with every record provable.
ProptechAI agentsComplianceEN · FR
The brief
Co-owned property runs on spreadsheets, PDFs and email. Fragma's promise is up to 90% less ownership admin, so the platform had to cover the whole lifecycle of an owner, not just one task.
What we built
A platform with a cap table and ledger, distributions and waterfalls, transfers with pre-emption rights, governance and votes, KYB/KYC/AML and beneficial-owner checks, CSSF and DAC reports and extracts, an investor CRM and a stakeholder portal. A Trust Pack page lets anyone verify a record by its hash, and a Legal Ledger hash-anchors records on-chain on Cardano.
90%less admin: Fragma's promise
12lifecycle events
2languages
Intelligence layer
How Fragma decides
Fragma has the deepest AI layer of the nine: ten workflow agents (switched on per deployment), document AI and a knowledge graph. None of them can touch money, ownership or compliance records; they propose, a person approves.
Proposals, never writes
Every agent output is validated, grounded in the record and saved as a proposal a person approves. A write-guard blocks agents from money, ownership and compliance tables.
Document AI
Gemini vision reads entity documents, cap tables and waterfalls, extracts investors, beneficial owners and directors, and flags drift between documents and records.
Compliance agent
Classifies investors, assesses suitability and reviews compliance cases against jurisdiction rules, instructed to cite its sources, from the knowledge graph when it is switched on.
Context graph
A retrieval index on pgvector, built from Gemini embeddings, that grounds the compliance agent in the platform's own facts.
Scores and reconciliation
Trust, document-quality, compliance-readiness and ownership-readiness scores, deterministic reconciliation, deal matching and AML checks.
Modules & features
What’s inside Fragma
Cap table & ledger
Who owns what, with every movement recorded.
Distributions & waterfall
Pay-outs calculated through the agreed waterfall.
Transfers & pre-emption
Share transfers that respect existing owners' rights.
Governance & votes
Resolutions and votes run inside the platform.
Compliance
KYB, KYC, AML and beneficial-owner checks, plus CSSF and DAC reports and extracts.
Trust Pack & Legal Ledger
Records verifiable by hash and hash-anchored on-chain.
Investor CRM & portal
Investor relations and a stakeholder portal.
Smart Agents, e-signature & API
Workflow agents, signatures and API access.
Screens
The product, screen by screen
Mobile
Designed for the phone, too
Built with
React 18ViteClerkSumsub / DiditFastifyPrismaPostgresCloudflare R2Cardano Mesh
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