Lending against tokenized real estate in the Gulf.
Fiat lending against tokenized real estate in Dubai and Saudi Arabia. The missing credit layer for government-backed property tokens.
The opportunity
Dubai and Saudi Arabia are tokenizing their land registries. Investors can now trade fractional ownership of government-registered property. But there's no lending layer—no way to get a mortgage or secured loan against these tokenized assets. That's what Vayan provides.
“The tokenized real estate market in Dubai alone is projected to reach $16 billion by 2033.”— Dubai Land Department, 2026
How it works
Simple, secure lending against tokenized property titles.
Verify
Confirm ownership against the government land registry (DLD in Dubai, RER in Saudi Arabia).
Assess
Property valuation and loan-to-value calculation (up to 60% LTV).
Lend
Originate fiat loan secured by the tokenized property title.
Monitor
Automated collateral tracking and regulatory reporting.
Markets
Dubai
LiveDLD Phase 2 operational. Secondary market trading active.
Saudi Arabia
SandboxREGA PropTech sandbox. World's first sovereign tokenized property transfer completed.
Switzerland
PlannedDLT Act framework. SPV-share tokenization model.
Sharia-compliant financing
For Islamic markets, we offer Murabaha (cost-plus) and Ijara (lease) structures, developed with qualified Islamic finance advisors.
Murabaha (Cost-plus)
We purchase the property and sell to you at a fixed markup. No interest—just transparent pricing.
Ijara (Lease)
We purchase the property and lease it to you. Ownership transfers at the end of the term.
Sharia Board Certified
All structures reviewed and certified by qualified Islamic finance advisors.
Conservative risk management
Built for institutional capital with safeguards against market volatility.
60% Max LTV
Conservative loan-to-value ratio at origination.
Automated Margin Calls
Triggered at 70% LTV to protect lenders.
Liquidation Protection
Automatic at 75% LTV to limit losses.
Concentration Limits
Maximum 10% of capital per borrower.
Geographic Diversification
Maximum 25% of capital per market.
Real-time Reporting
Regulators see exposure continuously.
Ready to explore?
Whether you're a property developer, tokenization platform, or institutional investor, we'd love to discuss how we can work together.