Arvo Glossary

Summary: Real estate and investing have confusing terms. This glossary explains every term you'll see on Arvo in plain language. If a platform uses jargon you don't understand, that's a problem with the platform, not with you.

When a property becomes worth more over time. If you buy a share when the property is worth $100,000 and later it's worth $120,000, that's 20% appreciation. You benefit from appreciation when you exit.

A regulatory requirement that protects you if something happens to Arvo. Your investments are held separately, so they're safe even if Arvo has problems. Our regulator requires us to have this.

Your money. When we say "capital appreciation," we mean your money growing in value.

DFSA regulations that require us to keep your money separate from Arvo's business funds. This protects you.

Dubai Financial Services Authority. The government body that licences and regulates financial companies in Dubai. Arvo is DFSA-regulated, meaning we follow strict rules to protect investors. You can verify our license on their public register.

Dubai International Financial Centre. A financial hub in Dubai where Special Purpose Vehicles that hold property are registered. You can verify your ownership through the DIFC Public Register. We encourage you to check.

Money paid to you from your investments. On Arvo, this is your share of rental income, sent to your wallet monthly. We show you exactly how distributions are calculated.

Spreading your money across multiple investments to reduce risk. Instead of putting $1,000 in one property, you might put $200 in five properties.

Getting your money out of an investment. On Arvo, you can exit through exit windows or when a property is sold. All exit costs are disclosed before you invest.

A two-week period occuring twice a year to exit your investments. The first exit window will open at least 12 month from Arvo’s Launch in Summer of 2026.

Additional Fees that Arvo platform charges to operate and provide you with the best service.

When a property is listed, investors contribute money until the target is reached. Once fully funded, the property is purchased.

A property has received enough investment to be purchased. Your investment is now live.

The return before expenses are deducted. If rent is $10,000/year on a $100,000 property, gross yield is 10%. This is a secondary figure. We focus our figures on actual numbers.

The recommended period to hold an investment. For Arvo properties, this is typically 3 to 5 years. Real estate works best over time.

Know Your Customer. The process of verifying your identity. Required by DFSA regulations for all financial platforms. This protects you and all investors. You have to pass it before your first investment on Arvo.

Our authorisation to operate from the DFSA. Getting licenced required passing extensive checks. Verify our license on the DFSA public register at anytime.

How easily you can turn an investment into cash. Real estate has lower liquidity than stocks, that's why exit windows exist.

Time during which you cannot sell your shares. On Arvo, new investments have a 1-year lock-up.

The smallest amount you can invest in a property. Typically $100 on Arvo.

The return after expenses are deducted. This is what actually goes to your wallet.

Example:

We show you the complete breakdown, not just the final number.

Your share of a property, expressed as a percentage. If you invest $1,000 in a $100,000 property, you own 1%. You can verify your ownership on public registers.

Money or transactions being processed.

A document proving where you live. Required by DFSA regulations for verification.

All your investments together. "My Portfolio" shows everything you've invested in, with full transparency on performance.

Taking care of a rental property — finding tenants, collecting rent, handling repairs. Arvo handles this for you through vetted third-party managers. Costs are disclosed per property.

Operating under government oversight with strict rules to protect investors. Arvo is regulated by the DFSA. Unregulated platforms don't have to follow these protections.

Money earned from tenants paying rent. Your share is calculated based on your ownership percentage. We show you the full calculation.

The annual rental income as a percentage of the property value.

Example: $8,000 rent per year ÷ $100,000 property = 8% yield

Money earned as rewards for referring friends or achieving milestones. Can only be invested and cannot be withdrawn.

How much you've made compared to what you invested. Includes rental income plus appreciation.

DFSA requires us to keep your money separate from Arvo's operating funds. This protects your money if anything happens to our business.

Fees for building maintenance, security, shared facilities. Common in apartment buildings. Actual costs are disclosed per property.

Official document proving you own shares in an SPV (and therefore part of the property). Verifiable on the DIFC Public Register.

Units of ownership. Each property is divided into shares. More shares means bigger ownership.

A separate legal company created just to own one property. You own shares in this company.

Why it matters: your investment is legally separate from Arvo's business, which protects you. If something happens to Arvo, the SPV and property still exist.

Official government document proving who owns a property. On Arvo, the SPV is listed as owner. You own part of the SPV. Verifiable on the Dubai Land Department website.

Fees when buying or selling property — agent commission, legal fees, transfer fees. All disclosed before you invest.

Our core value. We show you everything: all fees, all costs, all calculations, all documents. If you can't verify it yourself, we're not being transparent.

Expected appreciation of the cost of the property over the year.

An independent expert's opinion of what a property is worth. Arvo properties are valued by third parties. We don't set our own valuations. That would be a conflict of interest.

Your identity has been confirmed through the KYC process. Required by DFSA regulations before investing.

Where your money lives on Arvo. Rental income arrives here. You can withdraw to your bank or reinvest.

Money in your wallet that you can use right now, to invest or withdraw. No hidden holds or restrictions.

Moving money from your Arvo wallet to your bank account.

The annual return on an investment, expressed as a percentage. Higher yield means more income relative to what you invested. We show both projected and actual yield.

If a term isn't here or you want more explanation, ask us. We'll explain and add it to this glossary.

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⚖️ Arvo is regulated by the DFSA. We believe you should understand every term before investing your money.