Summary
Your Arvo wallet holds your AED balance & rewards. Deposits, rental income, and sale proceeds all land here. From your wallet, you invest in properties or withdraw to your bank. Funds are held with ENBD Bank in segregated accounts, meaning your money is yours at all times.
What is Your Wallet?
Think of it as a holding area:
Money comes in (deposits, rental income, sale proceeds)
Money goes out (investments, withdrawals)
Balance is always in Emirati Dirhams at ENBD following DFSA Client Money Rules
Wallet Overview
Feature | Details |
Currency | AED |
Access | 24/7 via app |
Security | Funds held with ENBD Bank |
Segregation | Separate from Arvo's funds |
Money Coming In
Source | When |
Deposits | When you add funds |
Rental income | Each month |
Exit proceeds | When you sell shares |
Sale proceeds | When property is sold |
Refunds | If a property doesn't fund |
Rewards | For referrals & achievements |
Money Going Out
Destination | When |
Investments | When you buy property shares |
Withdrawals | When you request |
Wallet Balances
Available Balance
Money you can use right now:
Invest in properties
Withdraw to bank
Pending Balance
Money that's processing:
Withdrawals being processed
Rewards being processed
Pending amounts move to Available once processed.
Viewing Your Wallet
In the Arvo app:
Tap Wallet in bottom navigation
See your Available Balance
View Transaction History
Add Funds and Withdraw
Transaction History
Your wallet keeps a complete record:
Transaction Type | Shows |
Deposits | Amount, date, method |
Investments | Property, amount, date |
Rental income | Property, amount, date |
Rewards | Type,amount,date |
Withdrawals | Amount, date, destination |
Exit proceeds | Property, amount, date |
In future, you can download or request transaction history from us.
Security
Your funds are protected.
Segregated Accounts
Your wallet balance is held in segregated accounts with ENBD Bank — completely separate from Arvo's operating funds.
Protection | Details |
Segregation | Your money is not Arvo's money |
Bank | Emirates NBD (major UAE bank) |
Regulation | DFSA Client Money Rules |
Access | Only you can authorise transactions |
If anything happened to Arvo, your wallet funds are protected. They're not part of Arvo's assets. DFSA regulations ensure your access.
Wallet vs. Investments
Wallet | Investments |
Cash (AED) | Property shares |
Available anytime | Invested in the Property |
No returns | Earns rental income |
No risk | Property value risk |
Keep only what you plan to invest soon in your wallet. Uninvested cash doesn't earn returns.
Using Your Wallet
To Invest
Ensure sufficient Available Balance
Browse properties
Select investment amount
Confirm purchase
Amount deducted from wallet
To Withdraw
Go to Wallet
Tap Withdraw
Enter amount
Choose destination (bank account)
Confirm withdrawal
Wallet Limits
Limit | Details |
Minimum balance | None required |
Maximum balance | No limit |
Minimum deposit | 100$ |
Minimum withdrawal | AED equivalent of $100 (approx. AED 367) |
Common Questions
Does my wallet earn interest?
No. Wallet funds don't earn interest. To earn returns, invest in properties.
Is there a fee to hold money in my wallet?
No. There are no fees for keeping a balance in your wallet.
Can I have a negative balance?
No. You can only spend what's in your Available Balance.
What happens to my wallet if I close my account?
You must withdraw all funds before closing your account. Any remaining balance will be returned to you.
Can someone else access my wallet?
No. Only you can authorise transactions, protected by your login credentials and any biometric security you've enabled.
Summary
Feature | Details |
Currency | AED |
Deposits | Debit card, bank transfer, Apple Pay, Google Pay |
Income | Rental payments monthly |
Withdrawals | Free — UAE bank 1-2 business days, international 3-5 business days |
Security | ENBD Bank, segregated accounts |
Fees | None for holding balance |
Need Help?
All investments carry risk. Real estate price can increase and decrease in value. Past performance is not a guarantee of future returns. Arvo is regulated by the DFSA. Funds held with ENBD Bank in segregated accounts, separate from Arvo's operating funds.