Investor Protections
Every Covest investment is structured as a Fideicomiso bank trust administered by Banco Covalto, S.A., Institución de Banca Múltiple — a CNBV-regulated institution. Each trust creates a patrimonio separado, legally isolating assets from all other entities. Banco Covalto’s infrastructure enables Covest to deliver bank-level safeguards that are constitutionally authorized, publicly recorded, and enforced by Mexican federal law.
50+
years of Fideicomiso legal precedent
99.8%
Fideicomiso success rate in Mexico
50-year
renewable trust terms
10%
minimum reserve fund requirement
Legal Safeguards
These six protections are not contractual promises — they are legal structures mandated by Mexican federal law and enforced by sovereign government institutions. Banco Covalto’s infrastructure enables Covest to make them operational for every investor.
PILLAR 01
The Fideicomiso derives its legal authority directly from Article 27 of the Mexican Constitution, not from any private contract or corporate structure.
PILLAR 02
Each Fideicomiso creates a legally separate patrimony — the trust’s assets are ring-fenced from all other legal entities by operation of law.
PILLAR 03
Banco Covalto acts as the institutional fiduciary trustee under direct CNBV (Comisión Nacional Bancaria y de Valores) supervision — Mexico’s federal banking regulator.
PILLAR 04
Every Fideicomiso is required to maintain a minimum 10% reserve, funded from investor assessments, to cover capital expenditures without emergency capital calls.
PILLAR 05
Beneficial ownership interests are recorded in Mexico’s Registro Público de la Propiedad — a sovereign government record that exists independently of any private platform.
PILLAR 06
Beneficiaries hold legally enforceable voting rights under the trust deed, with supermajority thresholds protecting minority investors.
Safeguard Protocol
Every Fideicomiso includes a legally mandated enforcement sequence. When a threshold breach is detected, Banco Covalto’s infrastructure triggers the safeguard protocol automatically — detecting, verifying, activating, and resolving without requiring investor intervention.
Continuous monitoring against contractually defined risk thresholds. Any breach triggers immediate classification and escalation under the trust deed.
Banco Covalto exercises its fiduciary authority to invoke the applicable remedy clause — without requiring investor vote or court order for standard breaches.
Every enforcement outcome is recorded in the Registro Público de la Propiedad, creating an immutable sovereign record of the protection exercised.
Audit Protocol
Every Fideicomiso undergoes a structured audit cycle — inspection, validation, reconciliation, certification, and archival — conducted by independent auditors under CNBV guidelines. Banco Covalto’s infrastructure enables Covest to deliver quarterly audit reports to every beneficiary.
All trust financial records are validated against Mexican GAAP standards by independent auditors, ensuring accounting integrity across income, expenses, and reserve balances.
Fiduciary operations are assessed against ISO 9001 quality management standards, providing investors an internationally recognized certification of process quality.
Completed audit trails are sealed and recorded through Banco Covalto’s infrastructure, creating a tamper-proof historical record accessible to all beneficiaries.
Exit Mechanism
Every Fideicomiso includes three legally defined mechanisms — transfer your position, leave the platform entirely, or return to Covest’s coordination. Each pathway is structured to protect all parties.
Zero penalties
No early exit fees, no lock-up periods, no platform-imposed restrictions
CNBV-regulated appraisal
Accredited valuators ensure fair market pricing for all parties
90-day structured timeline
Maximum 90-day administrative sequence from declaration to completed transfer
Legal finality
Public Registry recording provides irrevocable proof of transfer
Fraction is listed on the Covest marketplace at CNBV-accredited fair market value.
Co-owners receive immediate notification with a priority window. The listing remains accessible to all qualified buyers simultaneously.
Once a qualified buyer commits, purchase funds are secured in escrow. Transfer is subject to buyer availability.
Transfer is executed through the Fideicomiso, notarized, and recorded in the Public Registry of Property.