Sovereign Finance (Sov-Fi) represents the natural evolution of Pay-Fi, transforming investment portfolios from simple return generators into sophisticated mobility tools. By integrating geopolitical awareness into capital allocation, Sov-Fi creates a new paradigm where every investment decision contributes to global optionality and jurisdictional resilience.
Geopolitical Resilience
Opportunity Access
Capital Efficiency
Pay-Fi turns every wallet into a payment rail. Sov-Fi will turn every portfolio into a passport.
Build your global mobility portfolio with our comprehensive 7-layer framework. From core citizenship to nomadic freedom.
Baseline passport
Automatic at birth • $0
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Everyone — this is your baseline passport
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• Citizenship by birth (jus soli or jus sanguinis)
• Automatic citizenship through parent(s)
• Passport renewal or replacement
Investment/donation
3–18 months • $100K–$2M+
High-net-worth individuals, legacy planners, families seeking insurance citizenship
• Citizenship by investment (donation or real estate)
• Citizenship by marriage (with no residence requirement)
• Citizenship by special contribution or honorific grant
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1-3 year naturalization
1–3 years • $10K–$200K+
Remote workers, freelancers, entrepreneurs with flexibility to relocate
• Citizenship via naturalization (accelerated track)
• Citizenship by marriage (with residence requirement)
• Citizenship by exceptional talent / national interest
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5-10 year PR→citizenship
5–10 years • $10K–$500K+
Professionals, investors, families planning long-term migration
• Permanent residency pathways with citizenship eligibility
• Golden visas and investor PR schemes
• Skilled worker immigration tracks
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Ancestry, marriage, talent
6–24 months • $1K–$20K
Diaspora communities, heritage claimants, dual nationals
• Citizenship by descent (jus sanguinis)
• Citizenship by marriage (non-automatic)
• Citizenship by repatriation or special status (e.g., Jewish Law of Return)
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Renewable permits, tax optimization
3-6 months • $2K-$30K+
Tax planners, retirees, business owners, remote workers with stable income
• Renewable residence permits (non-citizenship route)
• Tax residency schemes
• Retiree or independent means visas
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1-5 year work/stay schemes
2-8 weeks • $500-$5K
Digital nomads, students, early-stage explorers, remote workers
• Digital nomad visas (1-2 year validity)
• Student visas
• Temporary work or freelancer permits
• Seasonal or tourist residency extensions
High-Net-Worth Families
Retirement Investors
Institutional Mobility Managers
Open Standards
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Interoperable APIs
Regulatory
Sandboxes
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Developer Networks
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