oz.finance is now TOTOZ.io — Same mission, same community, better tools.

Your turnkey solution for global residency and asset protection

Don't diversify your portfolio. Diversify your life.

35+

Countries

24/7

Access

100%

Anonymous Research

BVI

Registered

BVI Registered|Turnkey Advisory|Anonymous|35+ Jurisdictions

The Problem

Cross-border relocation is complex, costly, and opaque

  • Fragmented information across jurisdictions
  • Expensive consultants with slow response times
  • Missed deadlines and expired documents
  • No visibility into application progress

The Solution

A concierge that manages your entire journey

  • Instant country comparisons and program matching
  • Automated document review and deadline tracking
  • Proactive alerts for regulatory changes
  • End-to-end case management with partner coordination

Start Your Plan

Ask about residency programs, citizenship options, asset protection structures, or tax planning — and get instant, expert-level answers.

Free Chat

No account required

  • General information on 35+ programs
  • Country comparisons and eligibility
  • Cost estimates and timelines
  • No memory between sessions
  • No document review or case tracking
Start Free Chat
Full Access

Full Advisory

Personal concierge

  • Everything in Free Chat, plus:
  • Context memory across all sessions
  • Document review and analysis
  • Case management and deadline tracking
  • Partner coordination and quotes
Launch Portal

Your Personal Immigration Concierge

Answer a few questions and get a custom residency and asset protection strategy — in minutes, not months.

1

Tell us about you

Nationality, budget, goals, family, timeline. Quick assessment takes 5 questions. Comprehensive takes 12.

2

Get matched

Your profile is cross-referenced against 20+ residency and citizenship programs across 15+ countries to find your best options.

3

Your custom roadmap

Top 3 programs ranked for your situation, with costs, timelines, documents needed, and suggested asset protection structures.

Residency Programs

Golden Visas, retirement visas, residency visas, digital nomad visas — across Philippines, Greece, UAE, Spain, Portugal, Caribbean, and more.

Citizenship by Funding

Dominica, St Kitts, Grenada, Antigua, Turkey, Montenegro — second passports with visa-free travel to 130+ countries.

Asset Protection

Offshore trusts, private foundations, holding companies, multi-jurisdiction banking — structures that protect what you've built.

Tax Planning

Territorial tax systems, non-dom regimes, treaty networks, exit tax planning — legally optimize your global tax position.

Example conversation

I'm a US citizen with $300K to deploy. Married, two kids. Looking for a Plan B — not full relocation. What are my options?

Based on your profile, here are your top 3 options:

1. Greece Golden Visa — EUR 250K property in a qualifying zone. No minimum stay. Family included. EU residency with Schengen access.

2. Dominica CBI — $100K donation route. Citizenship in 3 months. Visa-free to 140+ countries. Remaining budget for asset protection trust.

3. Philippines SRRV — $20K deposit. Easiest process. Low cost leaves room for offshore structure...

This is general informational guidance only.

Costs shown are estimated partner and government fees, not TOTOZ.io charges. All fees are paid in fiat directly to service providers.

Digital Asset Protection

Your crypto isn't as private as you think.

Public blockchains are traceable. Exchange accounts are regulated. Courts can compel key disclosure. Your wallet balance is visible to anyone who knows your address.

We build the legal structure behind your digital assets.

Jurisdiction planning, trust architecture, and tax compliance that actually protects your wealth. Not with another token — with real legal structuring that courts recognize.

Discuss your digital assets with TOTOz →

Exchange Exposure

Multi-exchange analysis across jurisdictions — Coinbase, Binance, offshore platforms.

DeFi Tax Treatment

Protocol positions, lending, LPs, validator income — each has different tax obligations most holders miss.

Offshore Trusts

Nevis LLC, Cook Islands Trust, Panama Foundation — structures courts respect.

FBAR & FATCA

Cross-border compliance for US citizens — most crypto holders are unknowingly non-compliant.

Global Coverage, Expert Depth

TOTOZ.io draws on deep knowledge across 35+ jurisdictions — residency, citizenship, company formation, and asset protection. Not surface-level. Expert-level.

28

Residency Programs

12

Citizenship Programs

20

Company Jurisdictions

15

Trust & Foundation Structures

Residency & Citizenship

PhilippinesGreeceUAESpainPortugalPanamaParaguayThailandMalaysiaCosta RicaMexicoMaltaCyprusGeorgiaEstoniaAndorraMontenegroDominicaGrenadaSt KittsVanuatuTurkey

Company & Asset Protection

BVINevis LLCCook Islands TrustSingaporeHong KongPanama FoundationBelizeCayman IslandsSeychellesMauritiusEstoniaLiechtensteinSouth Dakota TrustNevada TrustWyoming LLC

4 countries currently accepting clients through OZ Capital. The platform can advise on all jurisdictions listed above.

Simple Pricing

One flat rate. Full access to every capability. No tiers, no restrictions.

500,000 TOTOz

per query — consumed on use

Full concierge-level agent
Country comparisons
Document review and analysis
Case management
Partner coordination
Multi-jurisdiction planning

35+ Programs. Expanding by Governance Vote.

OZ Capital covers residency programs across these jurisdictions. OZT holders vote to add new countries.

Philippines

SIRV, SRRV, Ecozone

Dubai (UAE)

Business hub, Free zone, Residency visa

Greece

Golden Visa, Residency pathways

Spain

Non-lucrative visa, Residency

What hasn't changed

  • Same team at OZ Capital
  • Same residency and asset protection services
  • Same community of clients
  • All existing commitments honored

What's new

  • Personal concierge for every user
  • Automated document review and deadline tracking
  • OZT governance — community decides new countries
  • Modern platform built for speed and compliance

Security Architecture

Your Plan. Your Files. Your Control.

Your data is protected by architecture, not promises. Every layer is designed so that even a complete breach reveals nothing usable.

Client-Side Encryption

Your documents are encrypted in your browser using AES-256-GCM before they ever leave your device. The server receives encrypted blobs only. We cannot read your files.

Pseudonymous Architecture

Your identity is stored separately from your data under a random client ID. Your answers, plans, and documents are never stored alongside your name. Even a full database breach cannot link who you are to what you shared.

You Control Access

Grant access to service providers with one click. Revoke instantly. Time-limited access tokens expire automatically. No provider can see your data without your explicit authorization.

Vault Password + Recovery

Your vault has its own password, separate from your login. A 12-word recovery phrase is your backup. There is no admin recovery — if you lose both, your data is permanently inaccessible. That's by design.

AI Privacy

No personal details are sent to AI providers. Your name, email, and identifying information are stripped and replaced with your anonymous ID before any query leaves our system. AI providers process your question and forget it.

Blockchain-Anchored Agreements

Every agreement you sign is hashed and anchored on the blockchain. The record cannot be altered, deleted, or disputed — not by us, not by anyone. Permanent, tamper-proof, court-verifiable.

What happens if our servers are breached?

What the attacker gets:

✕ Encrypted blobs they cannot read

✕ Anonymous IDs with no way to identify who they belong to

✕ Hashes that cannot be reversed

✕ No passwords stored anywhere

What remains safe:

✓ Your identity — stored separately, never linked to your data

✓ Your documents — encrypted with your vault password, which isn't on our servers

✓ Your plans and answers — under anonymous client ID

✓ Your agreements — anchored on blockchain, immutable

This is not a promise. It's architecture. The system is designed so that even we cannot access your data without your active session.

Ready to plan your next chapter?

Access your personal concierge, manage your residency case, and track every document in one place.

TOTOZ.io
Hi! I can answer questions about our residency and asset protection services, or help you schedule a consultation.