Invest in fractional property from Dh500, now more securely when powered by tokenisation!
Dubai Real Estate Tokenisation: Invest in Property from Just a Few Hundred Dirhams
UAE residents now have a new way to step into the real estate market—without needing to purchase an entire property—thanks to the growing trend of real estate tokenisation.
Gone are the days when you had to save millions to be part of Dubai’s booming real estate market. With tokenisation, investing just a few hundred dirhams is enough to claim your share in a property. Whether you’re new to the investment world or have been waiting for the right moment, this innovation is changing the game.
Picture this: A luxury apartment in Downtown Dubai is digitally divided into 2,000 pieces. Each digital portion, or “token,” represents a small ownership slice of that property. Instead of purchasing the whole apartment, you simply buy the number of tokens you want. These tokens are stored on a secure blockchain network, which acts as a public ledger that keeps all ownership records transparent and tamper-proof.
Here’s how the tokenisation process works:
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A regulated investment platform—such as Stake, SmartCrowd, or Prypco—lists a property for fractional ownership.
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That property is owned by a Special Purpose Vehicle (SPV), a legal entity created solely for holding that asset.
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The SPV’s ownership is divided into digital tokens by the platform.
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You register on the platform, complete a quick KYC (Know Your Customer) check, and select how many tokens to purchase—sometimes starting from AED 500.
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Token holders receive a portion of rental income and can benefit if the property’s value increases.
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When you want to cash out, you can resell your tokens on the same platform or wait for the property to be sold, after which profits are shared.
What’s more, all transactions are securely recorded on the blockchain, ensuring full transparency and trust.
Why is this great news for UAE residents?
If you have just Dh1,000 saved up, you’d usually struggle to cover even the agency costs of a property deal. But with tokenisation, that same amount can now be used to invest in a real share of a property—offering you a much more accessible entry point into real estate investing.
You can explore available listings, check projected rental income, and track your investment performance—all from your smartphone. It’s real estate made as convenient as online shopping.
This initiative officially launched in March 2025, through a partnership between Dubai Land Department (DLD), the Virtual Assets Regulatory Authority (VARA), and the Dubai Future Foundation. It’s aligned with Dubai’s Economic Agenda D33, which envisions the city as a global leader in innovation and investment.
Looking ahead, tokenised property transactions could make up 7% of all real estate activity in Dubai by 2033—adding over Dh60 billion in value to the market.
What are the key benefits?
· Low-cost entry: No need for millions to get started.
· Higher liquidity: Sell your tokens more easily than full property ownership.
· Enhanced security: Blockchain technology prevents manipulation of records.
· Government regulation: Oversight from DLD and VARA ensures legal protection.
Important considerations
Tokenised real estate is still developing. Not every property is available for token purchase, and returns are never guaranteed. Property prices may rise or fall, so due diligence is essential. Always use licensed and approved platforms to safeguard your funds.
Final thoughts
If owning property in Dubai always felt out of reach, tokenisation might be the opportunity you’ve been waiting for. It’s safe, innovative, and finally makes real estate easy.
