QIRAT Investor App · Phase 0 clickable prototype · previews the investor app
PROTOTYPE — FAKE DATA
9:41
QIRAT

Own Dubai real estate, one token at a time.

Fractional ownership of institutional-grade Dubai properties. Regulated SPV structures, rental income in USDT, from AED 500.

🔒 SPV-held title 🇦🇪 VARA-aligned ⚖️ KYC-gated

Welcome back to QIRAT.

or use your password
🔒

Enter your 6-digit code

We sent a verification code to a***@example.com

Enter the email on your account and we’ll send a link to reset your password.

App lock
🔐 Biometric app lock
Require Face ID / fingerprint to open QIRAT
Login & verification
🔐
Two-factor authenticationEnabled
🔑
Password & contact info
🛡️ For your protection, changes to login credentials are confirmed by email and may trigger a fresh identity check.

2FA adds a one-time code to every login, on top of your password.

Scan with Google Authenticator / Authy, or enter the key manually:

QRAT-7F2A-9C1B-44ED
Change password
Change email or phone

A verified identity is required before you can invest. It takes about 3 minutes.

Availability depends on the offering’s permitted jurisdictions.
📡 UAE PASS single sign-on is planned for Phase 1. This prototype uses a manual flow.

Scan your ID

Step 1 of 3 · Government-issued document

🪭

Position the front of your Emirates ID inside the frame. We’ll capture it automatically.

Camera preview · mock

Liveness check

Step 2 of 3 · Match your face to your ID

🤳

Center your face in the circle and hold still.

  • Remove sunglasses and headwear
  • Find even lighting, avoid backlight
  • You may be asked to blink or turn slightly

Verification in progress

Your documents were submitted. Identity, sanctions and PEP screening usually completes in under 2 minutes, occasionally up to 24 hours.

Document check✓ Passed
Face match✓ Passed
AML / sanctions screening⏳ Screening…
🎮 Demo: KYC outcome · presenter control

You’re verified

Welcome to QIRAT, Aisha. Your wallet has been whitelisted — you can now invest in any open offering.

KYC ID · QRT-KYC-20260711-0342

Verification rejected

We couldn’t verify your identity with the documents provided.

ReasonDocument unreadable

The front of your Emirates ID was blurry and the expiry date could not be confirmed. Please retake the photo in good lighting.

Verification expired

Your identity verification expired after 12 months and must be renewed to keep investing or withdrawing funds.

ℹ️ This is a routine regulatory requirement — your holdings and wallet balance are unaffected.
🔄

Re-verification required

As part of a routine compliance review, we need to reconfirm a few details on your account before you can continue investing.

Regulated offerings require us to classify every investor before they can invest. This takes under a minute.

👤 Retail investor

Individual investors investing personal funds. Subject to per-offering and annual investment caps for your protection.

💼 Professional investor

Meets net-worth / income / experience thresholds. No regulatory investment caps apply.

ℹ️ Most individual investors on QIRAT are classified as retail. You can request professional reclassification later with supporting evidence.

A few quick questions to confirm this product is appropriate for you.

Investment horizon
Risk tolerance
Prior investing experience
Classified: Retail investor
Key risks
  • ⚠️Capital at risk. Property values and rental income can fall as well as rise.
  • ⚠️Illiquidity. Exit Window matching is not guaranteed or instant.
  • ⚠️No guaranteed returns. Distributions depend on occupancy and rental performance.
  • ⚠️Platform & counterparty risk. SPV, custodian and issuer risk apply.
Investment limits
Annual cap
AED 200,000
Per-offering cap
10% of net worth
Used this cycle
AED 0
Remaining
AED 200,000
I acknowledge the risks described above and confirm the information I provided is accurate.

Marhaba, Aisha

Dubai · 6 live offerings

AR
🔁 Autoinvest from AED 500/month — automate your portfolio across offerings. Tap to set up.
6 offerings

All offerings are made via regulated special purpose vehicles.
Capital at risk. Not investment advice.

Marina Bay Tower — Apt 2304

📍 Dubai Marina, Dubai, UAE

Residential · 2BR Apartment 7.2% gross yield
Funding
72% funded1,344 of 4,800 tokens remaining
Key financials
Valuation
AED 2,400,000
Gross yield
7.2% p.a.
Occupancy
94% leased
Annual rent
AED 172,800
SPV (title holder)Marina Bay One SPV Ltd
SPV jurisdictionDIFC, Dubai
Title deedDLD-registered freehold
Token stats
Total supply
4,800
Available
1,344
Price / token
AED 500 ≈ USDT 136
Holders
87
Documents
📄
Offering MemorandumPDF · 42 pages · v2.1
📜
SPV Certificate of IncorporationPDF · DIFC registrar
📈
Independent Valuation ReportPDF · RICS-certified · May 2026
🏙️
Marina Bay Tower — Apt 2304AED 500 / token · 1,344 available
Quantity
25
tokens
SubtotalAED 12,500
Approx. in USDT≈ USDT 3,403.68
Ownership of this property0.521%
Est. income / year≈ AED 900

Minimum investment for this offering: 10 tokens (AED 5,000). Fees are shown at review.

Settlement is in USDT. Choose where the funds come from.

💳 QIRAT custodied wallet Recommended

Your in-app wallet, held with a licensed custodian. Instant settlement, no gas handling.

Balance: USDT 25,410.00

🔗 Connect external wallet

Pay from your own wallet via WalletConnect (MetaMask, Rainbow, Ledger…). The wallet must pass the same whitelist check.

WalletConnect · connect at checkout

🛡️ Deposits from unverified or sanctioned addresses are automatically rejected and returned.
🏙️
Marina Bay Tower — Apt 230425 tokens · AED 500 each
⏱️ Allocation held · 15:00
Order summary
Tokens25
SubtotalAED 12,500.00
Platform fee (1.5%)AED 187.50
Network fee (est.)AED 7.35
Total dueUSDT 3,456.73
= AED 12,694.85 · rate 3.6725
Payment
MethodQIRAT custodied wallet
Receiving registryMarina Bay One SPV Ltd
Agreement
✍️
Token Purchase AgreementTap to review & e-sign
🎮 Demo outcome · presenter control
🏙️
Marina Bay Tower — Apt 230425 tokens · USDT 3,456.73 total
Document
📄
Token Purchase AgreementPDF · 8 pages · view before signing
Signature
I have read and agree to the Token Purchase Agreement and the Offering Memorandum for this SPV. I understand this is a binding electronic signature.

Processing payment

Broadcasting transaction and awaiting on-chain confirmation. This usually takes a few seconds.

⛓ tx 0x3f8a…b2e1 · 1/12 confirmations

Purchase complete

You now own 25 tokens of Marina Bay Tower — Apt 2304.

Order IDQRT-2026-01847
Tokens credited25 QRT-MAR
Total paidUSDT 3,456.73
Transaction0x3f8a…b2e1 ✓
Next distributionEst. 5 Aug 2026

Payment confirmed. We’re issuing your tokens.

This occasionally takes a few minutes while the transfer agent signs on-chain. Your funds are safe and you’ll be notified the moment it’s done — nothing is lost.

Payment received✓ Confirmed
Token issuance⏳ Queued · retrying
Amount paidUSDT 3,456.73
ReferenceOrder #QRT-8842
🔔 We’ll push a notification the moment your tokens land. You can safely close the app in the meantime.

Reservation expired

Your reserved allocation expired before payment completed. You were not charged.

⏱️ Allocations are held for 15 minutes to keep the cap table fair. Those tokens have been returned to the available pool.
ReferenceOrder #QRT-8842
Amount chargedAED 0.00
⚠️

Issuance needs a hand

We received your payment but couldn’t issue your tokens automatically. This is handled, not lost.

Payment received✓ Confirmed
Automatic issuance✗ Failed
Escalation🔄 Team alerted
Amount receivedUSDT 3,456.73
🛡️ Our team has been alerted (ref #QRT-8842). You’ll be issued or fully refunded in USDT within 24 hours. Track it any time in Activity.

PDF · 42 pages · v2.1

Page 1 of 8

Scan this code with a WalletConnect-compatible app to connect your self-custody wallet.

Waiting for connection…

Portfolio

2 properties · distributions paid in USDT

Current value
AED 81,950 ≈ USDT 22,314
▲ +2.4% all-time Invested: AED 80,000
📅 Next distribution Est. 5 Aug 2026 · ≈ USDT 790
📊 Performance & analytics
Holdings
🏙️
Marina Bay Tower — Apt 2304120 tokens · 2.5% of property
AED 61,800▲ +3.0%
🏢
Boulevard One — Floor 1240 tokens · 0.33% of property
AED 20,150▲ +0.8%
Sell or exit a holding
🏙️
Marina Bay Tower — Apt 2304
🏢
Boulevard One — Floor 12

List tokens on the Exit Window · matched with verified buyers, no waiting for a full exchange.

Ownership certificates

DLD/SPV-backed certificate of beneficial ownership for each holding.

Distribution history
💰
Q1 2026 rental distributionMarina Bay Tower · 5 Apr 2026
+USDT 763.44Paid ✓
💰
Q4 2025 rental distributionMarina Bay Tower · 5 Jan 2026
+USDT 713.12Paid ✓

Distributions are net of SPV operating costs and platform fees, paid to your custodied wallet in USDT.

🏛️
Certificate of Beneficial Ownership

Marina Bay Tower — Apt 2304

Marina Bay One SPV Ltd
Certificate no.
QRT-CERT-0000
Issue date
12 Jul 2026
Tokens held
120
Ownership %
2.50%
Beneficial ownerAisha Rahman
DLD title deed ref.DLD-0000000
SPV jurisdictionDIFC, Dubai
🔒 This certificate records beneficial ownership held via the SPV registrar. The SPV holds the underlying DLD title on behalf of all token holders.
📜 1 token = 1 vote. Your voting power on each proposal equals the tokens you hold in that property.
Open proposals

QIRAT Academy

A quick primer before you invest.

What is tokenization?

A property is placed into a regulated SPV, which issues digital tokens representing fractional units of the SPV. Buying tokens gives you a proportional economic interest in that property, from as little as AED 500.

How SPV ownership works
  • 🏢The SPV holds the DLD-registered legal title to the property
  • 🏷️Token holders hold beneficial ownership via their tokens
  • 💰Rental income flows through the SPV to token holders as USDT distributions
Key risks
  • ⚠️Capital at risk — values and income can fall as well as rise
  • ⚠️Illiquidity — Exit Window matching is not guaranteed or instant
  • ⚠️No guaranteed returns or capital protection
📩 UAE Golden Visa. Real-estate investment of AED 2,000,000+ may qualify for a 10-year Golden Visa. Aggregated token holdings across one or more QIRAT SPVs may count toward this threshold — eligibility is determined by UAE authorities, not QIRAT. Speak to your advisor.
Sharia-compliant offerings. Listings marked with a ☪ badge use lease-based (Ijara) structures reviewed for Sharia compliance. Always read the offering memorandum for the specific structuring opinion.

Transfers

Send tokens to another verified investor

🛡️ Restricted transfers only (v1). There is no exchange or open market yet. Tokens can only be transferred to KYC-verified investors whitelisted on the same offering, and every transfer requires issuer approval before it settles on-chain.
New transfer request
Only investors approved for this offering appear here. New recipients must pass KYC and be whitelisted by the issuer first.

Typically approved within 1 business day. You’ll be notified.

Your requests
12 tokens · Marina Bay → Omar KhalidRequested 26 Jun 2026 · settled on-chain
Approved

Profile

AR
Aisha Rahman
aisha.rahman@example.com
✓ KYC Verified
Wallet
💳 Custodied wallet Primary
0x7F2a 9c1B 44eD … c41B
USDT balance 25,410.00
Open Wallet →
Grow
🔁
Autoinvest
🎁
Referral & Rewards
❤️
Watchlist
📜
Governance & voting
🎓
Learn / Academy
Account
🪭
Identity & KYC record
🔐
Account security
📄
Statements & documents
🔗
Linked external wallets
🔔
Notifications
⚙️
Notification preferences
💬
Support
⚖️
Legal & disclosures
Language
Demo controls
View as brand-new investor

Shows empty portfolio, watchlist and notifications for a presenter demo.

Simulate network error

QIRAT Technologies FZ-LLC · Prototype build 0.1
All data on this screen is fictional.

Status✓ Verified
KYC IDQRT-KYC-20260711-0342
Verified on11 Jul 2026
Valid until11 Jul 2027
Submitted documents
🪭
Emirates IDFront & back · submitted 11 Jul 2026
🤳
Liveness selfieCaptured 11 Jul 2026
🎮 Demo: KYC status · presenter control
Annual income & tax summary · 2026
Gross rental income
AED 5,894
Platform fees
AED 177
Net distributions
USDT 1,476.56
Tax year
2026
📊
2026 Annual Tax SummaryPDF · year to date
Monthly statements
📄
June 2026Account statement
📄
May 2026Account statement
📄
April 2026Account statement
Trade confirmations
💳
Marina Bay Tower purchaseOrder QRT-2026-01847
💳
Boulevard One purchaseOrder QRT-2026-00512

Connect a self-custody wallet to pay for purchases directly, without funding your custodied wallet first.

Distributions & income
Transfers & approvals
Price & funding alerts
Marketing & offers
Security alerts

Security alerts cannot be fully disabled for account-protection reasons.

✉️
Email us
📞
Call support
Frequently asked questions
How do distributions work?

Net rental income is paid to your custodied USDT wallet each quarter, proportional to the tokens you hold in that property.

Can I sell my tokens early?

Yes, via the Exit Window — list your tokens for sale and they're matched with verified buyers, typically within days.

Is my investment protected?

Properties are held via regulated SPVs with DLD-registered title. Capital is still at risk and returns are not guaranteed.

What are the fees?

A 1.5% platform fee applies on primary purchases, 1% on Exit Window listings. Distributions are net of SPV operating costs.

📡

You’re offline

We couldn’t reach QIRAT’s servers. Check your connection and try again.

Wallet

Custodied USDT · held with a licensed custodian

Available balance
USDT 25,410.00
≈ AED 93,318
Quick links
📈
Income & distributions
🔄
Exit Window marketplace
Transaction history

Deposits, purchases, distributions, withdrawals and transfers all settle to this custodied USDT wallet.

Choose how you’d like to fund your custodied USDT wallet.

🏦 Bank transfer

Local AED transfer via IBAN. No fees. Typically arrives in 1 business day.

💳 Debit or credit card

Instant funding via Visa / Mastercard. A 2% processing fee applies.

🔗 Crypto deposit

Send USDT directly from an external wallet or exchange. Network fees may apply.

MethodBank transfer
≈ USDT 1,361.47 at current rate
Summary
You addAED 5,000.00
Processing feeAED 0.00
ETA1 business day
Credited to wallet≈ USDT 1,361.47

Send exactly the USDT equivalent to the address below. Your wallet credits automatically once the network confirms.

TXf9Kq3mZ7vC1nP8rL2sD4eH6gJ8wY5aQ3
🌐 Network: Tron (TRC20) only. Sending on any other network may result in permanent loss of funds.
Amount to send≈ USDT 1,361.47
Min. confirmations19 blocks

Confirming your deposit

Awaiting confirmation — this usually takes a few seconds in this demo.

Funds added

USDT 1,361.47 has been credited to your wallet.

Amount creditedUSDT 1,361.47
MethodBank transfer
New balanceUSDT 26,771.47
Available balanceUSDT 25,410.00
≈ AED 3,672.50 at current rate
🏦 Linked bank account

Emirates NBD ···· 2290 · settles in AED.

🔗 External crypto address

Send USDT to an external wallet on the Tron (TRC20) network.

AmountUSDT 1,000.00
DestinationEmirates NBD ···· 2290
FeeAED 0.00
You’ll receiveAED 3,672.50
⏱️ Bank withdrawals typically arrive within 1–2 business days.

Processing withdrawal

Sending instructions to your custodian — this usually takes a few seconds in this demo.

Withdrawal on its way

Your funds are on their way — nothing else to do.

AmountUSDT 1,000.00
DestinationEmirates NBD ···· 2290
Remaining balanceUSDT 24,410.00
🏙️
Marina Bay Tower — Apt 2304120 tokens owned · 2.5% of property
ℹ️ Exit Window model. List tokens for sale and verified investors can buy them any time — proceeds settle once matched. A full 24/7 open exchange is planned for a later phase; your capital is never locked forever.
Quantity to sell
120
of 120 tokens owned
Set your price
Appraised valueAED 515 / token
Your listing price
AED 515
at appraised value
AED 438 (−15%)AED 592 (+15%)
Estimated proceeds
Tokens listed120
Gross proceedsAED 61,800
Exit listing fee (1%)AED 618.00
Est. net proceeds≈ USDT 16,655.55

Listed for sale

Your tokens are now visible to verified investors in the Exit Window marketplace.

PropertyMarina Bay Tower — Apt 2304
Tokens listed120
Listing priceAED 515 / token
Total if fully matchedAED 61,800
Listings are matched with buyers during Exit Window cycles — typically within days, not months. You can cancel anytime before a match.

Buy tokens listed by other verified investors exiting their positions, matched at the seller’s set price. A full 24/7 open exchange is planned for a later phase.

Other investors’ listings
🏡
Serenity Villa 8Seller M.K. · Verified investor
15 tokens listed
AED 510 / token
🏙️
Marina Bay Tower — Apt 2304Seller S.A. · Verified investor
8 tokens listed
AED 485 / token
🏢
Boulevard One — Office Floor 12Seller R.T. · Verified investor
30 tokens listed
AED 505 / token

Peer-to-peer transfers are subject to the same KYC and whitelist checks as primary offerings.

🏙️
Marina Bay Tower — Apt 230415 tokens · AED 510 each · from M.K.
Order summary
Tokens15
SubtotalAED 7,650.00
Platform fee (1.5%)AED 114.75
Total dueUSDT 2,114.94
= AED 7,764.75 · rate 3.6725
🛡️ Secondary purchases settle from your custodied wallet and require the same whitelist check as primary offerings.
Total distributions to date
AED 5,423 ≈ USDT 1,476.56
📅 Next distribution Est. 5 Aug 2026 · ≈ USDT 790.00
Payout preference
Distributions are paid to your custodied USDT wallet as they arrive. You can withdraw anytime.
Upcoming
📅
Q2 2026 rental distributionMarina Bay Tower · Est. 5 Aug 2026
≈ USDT 576.20Estimated
📅
Q2 2026 rental distributionBoulevard One · Est. 5 Aug 2026
≈ USDT 213.80Estimated
Paid
💰
Q1 2026 rental distributionMarina Bay Tower · 5 Apr 2026
+USDT 763.44Paid ✓
💰
Q4 2025 rental distributionMarina Bay Tower · 5 Jan 2026
+USDT 713.12Paid ✓

Tap a distribution for the full gross-to-net breakdown, per-token amount and transaction reference.

🏙️
Marina Bay Tower — Apt 2304Q1 2026 · Paid 5 Apr 2026
Breakdown
Gross rental income (your share)AED 3,047.53
Less: property management fee− AED 152.38
Less: platform fee− AED 91.43
Net distributionUSDT 763.44
= AED 2,803.73 · rate 3.6725
Details
PeriodQ1 2026 (Jan–Mar)
Per tokenUSDT 6.36
Transaction0x9c2e…4f18 ✓
Portfolio value
AED 81,950
▲ +4.9% · 3M
Diversification score

Allocation by property
Allocation by asset type
Yield history
Cost basis & gains
Cost basis
AED 80,000
Current value
AED 81,950
Unrealized gain
+AED 1,950
Realized gain
AED 0

Figures are illustrative and update live as your holdings and distributions change.

Invest on autopilot

Set a recurring monthly amount and let QIRAT allocate it across live offerings for you — from AED 500/month.

How it works
  • 1️⃣Pick a monthly amount and an investing theme
  • 2️⃣We allocate automatically across matching live offerings
  • 3️⃣Funds are drawn from your custodied wallet each cycle
Themes
🧭
DiversifiedEven spread
💰
IncomeHighest yield
📈
GrowthHigh-demand areas
🎮
CustomYou choose
Monthly amount
1,000
AED / month
Choose a theme
🧭 Diversified

Spreads contributions evenly across all live offerings for broad exposure.

💰 Income

Prioritises the highest gross-yield offerings for steady USDT distributions.

📈 Growth

Targets offerings in high-demand areas with strong appreciation potential.

🎮 Custom

Pick specific offerings yourself. You can fine-tune weights after activating.

Monthly amountAED 1,000.00
ThemeDiversified
Funding sourceCustodied wallet
First charge1 Aug 2026
Planned allocation
ℹ️ You can pause, edit or cancel Autoinvest anytime from the Autoinvest screen. No lock-in.
Rewards balance
USDT 340.00
≈ AED 1,248.65 · from referral bonuses
Your referral code
AISHA2026
qirat.app/r/AISHA2026
How it works
  • 1️⃣Share your code or link with a friend
  • 2️⃣They sign up and complete KYC verification
  • 3️⃣You both receive USDT 100 credited automatically
Your referrals
Invited
6
Joined & verified
3
Loyalty tier
🥈 SilverCurrent tier

Invest AED 20,000 more (or reach 5 referrals) to unlock Gold.

Silver perks
  • 0.25% platform fee discount
  • Priority allocation on new offerings
Gold unlocks
  • 0.5% platform fee discount
  • Dedicated relationship manager
  • Early access to off-market offerings
3 unread
Phase 0 walkthrough deliverable · every value is hardcoded fake data Open the Issuer Admin Console prototype →