On baraka, you own bonds indirectly through its licensed U.S. brokerage partner, DriveWealth.

Here’s how it works:

• When you invest in bonds (or bond ETFs) via baraka, the assets are held in your name by DriveWealth.

• You’re the beneficial owner, meaning you have full rights to the investment, including interest payments and capital gains.

• baraka acts as the platform and facilitator, while DriveWealth handles execution, custody, and regulatory compliance under U.S. law.

What This Means for You

• Your investments are protected under U.S. regulations, including SIPC coverage up to $500,000.

• You can buy, sell, and track your bond holdings directly in the baraka app.

You’re not lending money to baraka you’re investing in real financial instruments held on your behalf.