For households
A path to a home you own outright
- Save monthly in home tokens that earn rental yield
- Earn priority points every month you hold
- Once you move in, your yield lowers your rent
Sharia-compliant homeownership
Own your home
without interest
Save in home tokens that earn rental yield while you wait. Then buy your home bit by bit, with no loan.
Mobile app · Early access in the US
9:41
Home tokens
$38,640.00
+$128.80 yield this month
1M6M1YAll
Your place in the queue3
#1287.1 pts
Down payment 43%~3 yrs left
Add moneyMy queue
Earn while you wait
Your tokens earn a share of the rent from the fund's homes, starting in your first month.
Keeps pace with prices
The fund owns real homes. When home prices rise, your tokens rise with them.
Time and commitment
Priority points reward how long you've held and how much of your down payment you've saved.
Save at your pace
Change, pause or top up your monthly amount any time. It never costs you points.
Yield that lowers your rent
Once you move in, the yield from your tokens comes straight off your rent.
Market-value buyouts
You buy the rest of your home at its market value, a slice at a time. Fair to everyone in the fund.
No riba, ever
No loans and no interest. Returns come from rent and real homes.
Reviewed before launch
The full structure goes to an independent Sharia board before anyone can join.
From saving
to owning
Four steps, no loan and no interest. Your money works for you the whole way.
Save and earn
Buy home tokens each month, any amount, and change it whenever you like. Your tokens earn rental yield and move with home prices.
A queue that rewards patience and commitment
Your place is set by priority points, not by who has the most money. Every month you hold earns points, and saving toward your down payment earns them faster.
- 1
Every month you hold earns points
Time in the fund always counts. Sell all your tokens and your points reset.
- 2
Saving more earns them faster
You earn up to 1 point a month, depending on how much of your down payment you've saved. Holding more than you need earns nothing extra, so money alone can't buy the front of the line.
- 3
Ready to buy, then first in line
To be called, your tokens must cover a 20% down payment plus closing costs and taxes, and you need to pass an affordability check. Among members who are ready, the most points go first.
- 4
Your tokens set your budget
Your down payment decides how much home you can buy. The fund co-funds the other 80%.
Front of the queuePoints
- #1Member Moving inheld 52 mo · 100% saved31.2
- #127Memberheld 26 mo · 58% saved7.3
- #128Youheld 30 mo · 43% saved7.1
- #129Memberheld 8 mo · 92% saved6.9
Renting, a mortgage, or Apato
Renting builds nothing. A mortgage builds ownership but charges interest. Apato is designed so your savings earn while you wait, and you own without a loan.
| Feature | Renting | Mortgage | Apato |
|---|---|---|---|
| Builds ownership | No | Yes | Yes |
| No interest (riba) | Yes | No | Yes |
| Savings earn yield, not interest | No | No | Yes |
| Payments fall as you own more | No | No | Yes |
Your path home
Three numbers, two answers: when you could move in, and when the home is all yours.
Home price
$350,000
Saved so far
$20,000
Monthly savings Change it any time
$1,200
Ready to buy in
3.9yrs
20% down plus costs
Fully yours in
12.6yrs
after you move in
Your share of the home
100%50%0%
TodayYear 17
Along the way you'd earn about $8,512 in yield. Once you move in, your rent starts around $1,376 a month after your yield, and falls from there.
Illustration, not a projection. Assumes tokens yield 4% a year, home prices rise 3% a year, a 20% down payment plus 4% closing costs, and rent of 5% a year of the home's value. Before moving in you keep renting where you are; after, your budget is that rent plus your savings. Yields aren't guaranteed and tokens can fall in value.
Two sides, one fund
Households save toward homes. Patient capital co-funds them. Both share in the same homes' rent and value, and neither side earns interest.
For capital partners
Patient capital, backed by homes
- Long-term exposure to rented US homes
- Earn rental yield and share in rising home values
- Residents buy out at market value, recorded as tokenised fund interests
Questions, answered honestly
Get in line early
Join the waitlist to hear first when Apato opens, and help shape how it works.