Questions answered.

Fractional real estate investing allows multiple investors to hold structured ownership positions in a single property, rather than one person bearing the full cost alone. Each investor holds a defined share, with rights to a proportional share of rental income and any capital appreciation when the property is sold.

On Tribe, fractional ownership is delivered through Tribe Tokens — regulated digital ownership positions issued on the XRP Ledger. Each token represents a legally structured stake in the underlying property, held through a dedicated legal entity on your behalf. Your rights are set out in Investment Terms you accept before you invest, not buried in a prospectus afterwards.

This is not a timeshare, not a fund, and not a REIT. You hold a defined position in a specific property, with governance rights and regulatory protections built into the structure.

A REIT is a fund that pools capital across many properties. You buy shares in the fund, not in a specific asset. You typically have no say in which properties the fund buys, holds, or sells.

With Tribe, you choose exactly which property you invest in. You hold a legally structured ownership position in that specific asset. You receive rental income from that property. You participate in governance, including voting on when the property is sold. And you can see the full fee structure and investment terms for each listing in advance.

In short: a REIT gives you exposure to a portfolio someone else manages. Tribe gives you a defined position in a property you select, with rights and rules you know before you invest.

No. A timeshare gives you the right to use a property for a set period each year. You do not own equity in the asset. You do not receive rental income. You do not benefit from capital appreciation. And you typically have no governance rights.

Tribe is an ownership model. When you invest, you receive Tribe Tokens that represent a legally structured economic interest in the property. You are entitled to a share of rental income and a share of proceeds if the property is sold. Your rights are defined before you invest, covering governance participation, exit pathways, and income entitlements.

Timeshares sell time. Tribe structures ownership.

A Tribe Token is a regulated digital ownership position representing your stake in a specific property listed on Tribe. Each token is issued on the XRP Ledger and custodied by Ripple to institutional standards.

Your tokens entitle you to a proportional share of rental income, a share of proceeds if the property is sold, and governance participation, including voting on exit decisions. The rights attached to each token are set out in the Investment Terms you accept before you invest.

Tribe Tokens are not cryptocurrency in the speculative sense. They are structured, regulated ownership instruments backed by real property, issued under the oversight of the Dubai Virtual Assets Regulatory Authority (VARA).

No. You do not need any knowledge of blockchain, cryptocurrency, or digital assets to invest through Tribe. The experience is designed to feel like using any modern investment app.

Tribe uses blockchain technology as infrastructure to issue and secure your ownership position. This is similar to how a bank uses technology to process your transactions without you needing to understand the systems behind it. You browse properties, invest in AED, receive monthly rental income, and track everything through your dashboard.

You will never need to manage a crypto wallet, buy cryptocurrency, or interact with a blockchain directly. Tokenisation is the mechanism that powers your ownership rights. It is not something you need to engage with as an investor.

You hold a legally structured ownership position in a specific property. A dedicated legal entity holds the asset on your behalf. Your Tribe Tokens entitle you to a share of rental income and a share of proceeds when the property is sold.

Your rights are set out in the Investment Terms for each property. These cover income entitlements, governance participation, and exit pathways. You accept them before you invest, so there are no surprises.

You are not buying into a fund. You are not purchasing time in a property. You hold a defined economic position with governance rights and regulatory protections embedded in the structure.

The minimum investment on Tribe is AED 2,000 per property. This is designed so you can build positions across multiple assets rather than concentrating your capital into a single property.

You choose your exposure. You can allocate across several properties to construct a portfolio that reflects your strategy, or concentrate where you see value. The minimum applies per property, not per account.

Tribe is open to individual investors who complete the account creation and verification process through the app. You will need to provide identification documents and complete Know Your Customer (KYC) verification as part of the onboarding process.

Tribe operates under the regulatory framework of the Dubai Virtual Assets Regulatory Authority (VARA). Eligibility may be subject to jurisdictional requirements. Full details are provided during the account setup process.

Getting started on Tribe takes less than five minutes. The process works in four steps.

01 — Verify. Create your account and complete identity verification through the app.

02 — Browse. Every property is vetted through institutional-grade data analysis — you see what qualifies, not everything available.

03 — Allocate. From AED 2,000 per property. Spread across one or multiple listings.

04 — Hold. Receive your Tribe Tokens — a legally structured ownership position with defined rights and protections. Your dashboard shows holdings, income, distributions, and yield per property.

The Tribe wallet is your account within the app where your funds are held. When rental income is distributed each month, it is paid directly into your Tribe wallet in AED.

From there, you have two options. You can withdraw the funds to your bank account, or you can reinvest them into other properties on the platform. Your wallet balance, transaction history, and income distributions are all visible in the app.

Everything on Tribe is denominated in AED (United Arab Emirates Dirham). Your investment, rental income distributions, token valuations, and any proceeds from selling are all in AED.

When you top up your Tribe wallet, the funds are held in AED. Monthly rental income is distributed in AED. If you choose to withdraw, the funds are transferred in AED to your linked bank account.

There are two ways your investment can generate returns.

Rental income. Each property generates rental yield, which is distributed to token holders every month. You receive your proportional share automatically, in AED, directly into your Tribe wallet.

Capital growth. If the value of the underlying property increases over time, the value of your Tribe Tokens rises accordingly. You capture that growth when the property is sold or when you sell your tokens through the secondary marketplace.

Rental income is distributed to token holders every month. Payments arrive in AED directly into your Tribe wallet.

Running costs, including property management fees, service charges, insurance, and repairs, are deducted from rental income before distribution. You receive your share of net rental yield, not gross. Your dashboard shows income received, upcoming distributions, and current yield per property at all times.

Returns on Tribe depend on the specific property you invest in, including its rental performance, occupancy, location, and market conditions. Every listing in the app shows the relevant data so you can assess each opportunity individually.

What Tribe does provide is transparency: you see the full fee structure, the property assessment data, and the investment terms before you commit a dirham.

The UAE does not impose income tax or capital gains tax on individuals. This means that rental income and any proceeds from selling your Tribe Tokens or exiting a property are not subject to local tax in the UAE.

However, if you are a tax resident in another country, you may have reporting or tax obligations in your home jurisdiction. Tax rules vary significantly between countries, and it is your responsibility to understand and comply with the tax laws that apply to you.

Tribe's fee structure has three components, all disclosed before you invest.

On entry. A one-time investment fee of 2% is charged on your allocation. Additional acquisition costs — including government fees, tokenisation, valuation, and insurance — are third-party regulatory and compliance costs. Tribe does not add a margin to these.

While holding. A property management fee of 5% of annual rental income is deducted before distribution. Service charges, insurance, and repairs are passed through at cost with no margin added by Tribe.

On exit. If the property has appreciated, Tribe charges a performance fee of 20% on the first 20% of capital appreciation. Anything above that threshold goes entirely to you. If the property has not appreciated, Tribe charges a 1% administrative fee on the sale price.

Every fee for a specific property is shown in full on the listing in the app before you invest.

No. Tribe discloses every cost before you invest. There are no surprises at the point of sale.

The full breakdown of acquisition costs, running costs, and exit costs is shown on each property listing in the app. Tribe's own fees are clearly separated from third-party regulatory and compliance costs. Where a brokerage fee applies, it is flagged on the listing. If you use a card to top up your wallet, payment provider fees will apply.

Transparency is a structural principle at Tribe, not a marketing claim. Every fee is explained plainly, and you see the complete picture before you commit.

If the property has not appreciated in value at exit, Tribe charges a 1% administrative fee on the sale price. That is it. This fee covers the cost of processing the transaction and nothing more.

We do not believe it is fair to charge a performance fee when the asset has not grown in value. The performance fee structure is designed to align Tribe's incentives with yours: Tribe earns more when the property performs well, and less when it does not. This applies whether you are selling via the secondary marketplace or on full exit.

Tribe's performance fee applies only when the property has appreciated in value. The fee is 20% of the first 20% of capital appreciation. Any appreciation above 20% goes to you in full, with no cap.

30% appreciation example. You invest AED 100,000. The property appreciates 30% to AED 130,000. Your gain is AED 30,000. The fee applies only to the first 20% of appreciation (AED 20,000) at 20%, so the fee is AED 4,000. The remaining AED 10,000 of appreciation is yours entirely. Your total return after the fee is AED 26,000.

50% appreciation example. The same property appreciates 50% to AED 150,000. Your gain is AED 50,000. The fee still only applies to the first AED 20,000, remaining AED 4,000. The other AED 30,000 of appreciation is yours in full. The more the property grows above 20%, the smaller Tribe's fee becomes as a proportion of your total return.

If the property has not appreciated, there is no performance fee — Tribe charges a 1% administrative fee on the sale price only.

There are two exit pathways, both defined before you invest.

Secondary marketplace. List your Tribe Tokens through the app for other investors to purchase. The default price is the current independently assessed market value, and you can adjust from there. Alternatively, if you need to exit more quickly, Tribe can facilitate direct purchase of your tokens at a defined discount to market value — this is subject to conditions and liquidity availability.

Full property sale. Once the 12-month hold period has passed, token holders can vote on whether to sell the underlying property. A 60% majority triggers a sale, and proceeds are distributed to all token holders proportionally.

Exit pathways are designed into the structure from the start, not negotiated when you want to leave.

There is no lock-in period for selling your tokens. You can list your Tribe Tokens on the secondary marketplace at any time. Whether a sale completes depends on buyer demand on the platform.

The hold period on Tribe applies to the property itself, not to your individual tokens. Properties are held for a minimum of 12 months before token holders can vote on whether to sell the underlying asset. This ensures each property has time to stabilise and perform before an exit decision is put to investors.

So you have two distinct timelines: you can trade your individual tokens whenever you choose, subject to demand, while the collective vote to sell the whole property becomes available after 12 months.

You can list your Tribe Tokens on the secondary marketplace through the app at any time. However, a sale depends on there being a buyer willing to transact at the listed price, or on Tribe acting as market maker under the conditions disclosed to you.

Liquidity is facilitated through the platform's secondary marketplace, but it is market-dependent and not guaranteed. This is consistent with any real estate investment, where property is not as liquid as publicly traded stocks or bonds. Both exit pathways and their conditions are disclosed before you invest.

The secondary marketplace is a regulated trading environment embedded within the Tribe platform. It allows Tribe Token holders to list their tokens for sale to other investors on the platform.

The default listing price is the current independently assessed market value of the tokens, based on independent property valuations conducted three times a year. You can adjust your listing price from there.

The secondary marketplace provides a structured exit pathway that is defined before you invest. It operates within Tribe's regulated infrastructure, subject to market conditions and liquidity availability.

Yes. Every Tribe Token carries governance participation. The most important decision — when to sell the property — belongs to investors.

Once the hold period for a property has passed, token holders vote on whether to exit. A 60% majority triggers a sale. No exceptions. This means your capital has a voice in the most consequential decision affecting your investment.

All governance rules are defined before you invest, not decided afterwards. Voting rights are embedded in the ownership structure, not granted as a discretionary benefit.

Investors do. Once the hold period passes, token holders vote on whether to sell. A 60% majority triggers a sale.

Everything else is handled by Tribe: property management, maintenance, tenant relationships, and compliance. But the exit decision belongs to investors.

This is the governance principle that applies to every property on the platform. One rule, applied consistently. You know the rules before you invest.

Independent valuations are conducted three times a year for every property on the platform. These are carried out by independent assessors, not by Tribe.

Token prices update to reflect the latest valuation, so the value of your holding is based on current, independently assessed market data. This valuation is also used as the default listing price when you choose to sell your tokens on the secondary marketplace.

Transparency in valuation is a structural requirement, not an optional feature.

Tribe holds In-Principle Approval from the Dubai Virtual Assets Regulatory Authority (VARA) for Broker-Dealer activities. VARA is Dubai's dedicated regulator for virtual assets, established under Dubai Law No. 4 of 2022.

Token custody is powered by Ripple. Your Tribe Tokens are secured and segregated on the XRP Ledger to institutional standards.

Client funds are held in segregated accounts. Your money is separated from Tribe's, both operationally and legally. It cannot be used to fund Tribe's business.

All investments carry risk, including fractional real estate. Property values can go down as well as up. Rental income depends on market conditions and occupancy. You may lose some or all of your capital.

What Tribe provides is a structured, regulated framework designed for transparency and investor protection. This includes VARA regulatory oversight, segregated client funds, independent property valuations three times a year, defined governance rights, and a transparent fee structure disclosed before you invest.

Structure and regulation reduce certain operational risks, but they do not eliminate market risk. Tribe is designed so that you understand the rules, the fees, and your rights before you commit — and so that governance is defined rather than discretionary.

Each property on Tribe is held through a dedicated legal entity. This entity exists independently of Tribe's operating company. Your Tribe Tokens represent your ownership position in that entity.

Client funds are held in segregated accounts, separate from Tribe's business funds both operationally and legally. Tribe cannot use your money to fund its operations.

Tribe Tokens are custodied on the XRP Ledger, with custody powered by Ripple to institutional standards. Your tokens are secured and segregated, held separately and not commingled with Tribe's operational assets.

The XRP Ledger provides a transparent, auditable record of token ownership. Combined with VARA's regulatory framework and Tribe's segregated fund structure, this creates multiple layers of structural protection around your ownership position.

Every listing on Tribe is assessed through a rigorous process before it reaches the platform. This includes proprietary data modelling, independent market analysis, and specialist due diligence covering supply dynamics, demand trends, rental performance, and price movement at both the individual asset level and the wider area level.

Nothing lists without clearing the threshold. You see what qualifies, not everything available.

Tribe retains final approval authority over every listing. Revenue considerations do not override underwriting discipline. The standard is consistent across every property on the platform, regardless of who originated the listing or how the capital is distributed.

Tribe lists residential properties in Dubai that have passed its institutional-grade underwriting process. The specific property types available at any time depend on what meets the selection threshold.

Each listing in the app includes full details: location, property type, assessment data, fee breakdown, investment terms, and governance rules. You can review all of this before making an investment decision.

Tribe does not list everything available on the market. It lists what qualifies through its assessment process.

Tribe manages the property on behalf of all token holders. This covers tenant management, maintenance, insurance, service charges, and any operational matters related to the asset.

As an investor, you have no responsibility for the day-to-day running of the property. There are no tenant calls, no repair decisions, and no administrative tasks. You hold a structured ownership position and receive your share of net rental income each month after all management costs have been deducted.

Property management is charged at 5% of annual rental income. This fee, along with all other running costs, is shown on each listing before you invest.

Yes. If you are renting a property listed on Tribe, you can invest in it. There is no minimum stake to get started. Begin with what makes sense for your situation.

As a token holder, you receive monthly rental income distributions proportional to your ownership stake. The property you live in starts working for you.

Whenever tokens in your property become available, you get first right of refusal automatically. No registration. No application. It is built into the structure. And if the Tribe votes to sell, your token holding offsets your purchase price directly. Already own 20%? You only need to fund the remaining 80%.

This is not a traditional rent-to-own scheme. It is a structured ownership pathway where you hold real equity, with defined rights, from the moment you invest.

First right of refusal means that whenever tokens in your property become available for purchase, you as a tenant-investor are offered the opportunity to buy them before anyone else.

On Tribe, this right is automatic. There is no registration process and no application form. It is embedded in the ownership structure from the moment you invest in the property you rent.

This mechanism is designed to support tenants who want to build toward full ownership of the home they live in. It allows you to do so gradually, structurally, and without competing against the broader market each time tokens are released.

Yes. Tribe offers property owners a direct, structured path to liquidity without the friction of the traditional sale process. No broker fees, no viewings, no portal listings, no waiting for offers, and no negotiation headaches.

Step 1. Submit your property details. Tribe evaluates the asset, reviews valuation fundamentals, and confirms eligibility for listing.

Step 2. Tribe handles the legal framework, compliance, and structuring. Your property is prepared for qualified capital without public listings or open houses.

Step 3. Once the sale is structured and capital is matched, funds are transferred. Clean, efficient, and without commission deductions.

Tribe charges zero broker commission. Every dirham from the sale stays with you.

For context, traditional agents in Dubai typically charge a 2% commission. On an AED 10 million property, that is AED 200,000. On an AED 20 million property, it is AED 400,000. With Tribe, that cost is eliminated.

The sale is structured directly through Tribe's platform, with no intermediaries taking a percentage. Tribe handles the legal framework, compliance, and capital matching as part of its service to property sellers.