Risk disclosure

You may lose part or all of the funds you invest. Neither a plan’s fixed rate, nor a history of payouts, nor the existence of backing changes that.

Invest only money whose loss will not change your life. Do not borrow to invest, and do not place a reserve you may need in the near future.

A plan’s rate is fixed when the deposit is opened, but that is an obligation of the Platform — not a guarantee from a state or a third party. Whether it can be met depends on how the Platform performs.

If project returns fall below plan, the Platform covers the difference from its reserve and its own funds. That reserve is not unlimited: a prolonged shortfall may lead to revised terms for new deposits and, in the extreme, to an inability to meet obligations.

Most of the funds are placed into property in the UAE. Values can fall, rental income can pause between tenants, and construction timelines can slip.

• A price correction lowers the valuation of assets under management.
• A delayed handover postpones the start of rental income.
• A change of tenant creates a vacant period with no income.
• Placing a tokenised asset may take longer than planned.

The liquid part of the reserve is held in USDT and covers withdrawals in normal conditions. If a large number of people ask for their money at once, however, that liquidity may not be enough.

Property cannot be sold instantly: a sale takes weeks or months. That is precisely why higher-rate plans have a lock period — it aligns obligations with the timelines of the assets behind them.

• Sending funds on an unsupported network leads to irreversible loss — neither the Platform nor the blockchain can undo it.
• A mistake in the withdrawal address is irreversible: a transaction cannot be recalled.
• A stablecoin may lose its peg to the dollar or be frozen by its issuer at a regulator’s request.
• Losing access to your authenticator and backup codes can lock you out of your account for a long time.

The activity is subject to licensing by the Virtual Assets Regulatory Authority. Until that process is complete, restrictions, changes to how the service works, or the suspension of individual services are possible.

Changes to UAE law or to the law of your country of residence may restrict access to the service, require additional documents, or create tax obligations that you bear yourself.

Technical failures, service downtime and errors by external providers — payment partners, the card issuer, the verification provider — are all possible.

Despite the protections in place, the risk of unauthorised access cannot be eliminated entirely. That is exactly why the second authentication factor is mandatory.

The Platform is not a bank. Client funds are not covered by any deposit guarantee scheme in any jurisdiction.

If operations cease, funds are returned from the sale of assets in the order set out in the terms of use. Selling property takes considerably longer than transferring funds from a wallet.

Material on this site, including calculator figures and examples of returns, is informational. It is not investment advice, a public offer or a guarantee of any result.

The decision to place funds is yours alone. If in doubt, consult an independent financial or tax adviser.