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Every tenancy signed, registered, paid and insured.
Contract, payment, registration, deposit and cover are five separate processes in Dubai with nothing connecting them. Project Y runs them as one — and no money moves until the registration checks out.
Five processes, none of them connected
Nothing here is broken on its own. The problem is that no part knows about any other part.
Typed up, printed, wet-signed and scanned. Often at a typing centre.
A stack of post-dated cheques handed over at signing, then banked one at a time.
Registration is chased after the fact, if at all, and nothing depends on it.
Paid in cash or by cheque, with no shared record of who is holding what.
A separate purchase that almost nobody makes, so the default risk sits entirely with the landlord.
Because the landlord carries the risk, the landlord asks for a year upfront. That is why the cheques exist.
Six steps, in one session
The agency starts it, or the landlord and tenant do it themselves.
Verify
All parties through UAE PASS
Sign
Tenancy and agency agreement, signed together
Pay
Two payment instructions set up
Cover
Insurance arranged for the home and the rent
Register
Ejari certificate uploaded and matched
Settle
Everyone paid, once the check clears
The registration gate
Nothing is released until the uploaded Ejari certificate reconciles against the signed contract. Try it.
Ejari check
Signed tenancy contract
Ejari certificate
Two payment instructions. Nothing else.
Everything a tenant will ever be charged sits on one of these two, and both are set up in the same session.
- Deposit held by the landlord, returned at the end
- Agency fee only if an agent arranged the tenancy
- Platform fee flat, and includes the insurance
- Higher insurance tier optional, only if chosen
- Rent only nothing else is ever taken on this instruction
- Anything from 1 to 12 payments whatever the parties agreed
- Small charge per collection
Why a landlord would give up the cheques
Three things replace them. No one of them would be enough on its own.
The instruction is binding
A direct debit authority signed through the Central Bank's national system carries the same legal weight as a cheque and is enforceable in the same way — with the difference that a failure is flagged and retried automatically, rather than discovered late at a bank counter.
The tenancy is insured
The home itself is covered for contents, accidental damage and liability. Separately, if the tenant loses their job, part of the rent is paid for up to three months. A spell out of work stops being the landlord's problem.
Everyone sees the same record
Tenant, landlord and agent all see the same contract, the same registration, the same deposit record and the same payment schedule. Nobody has to remember, chase or take anyone's word for it.
What each party gets
Tenant
The only paying party, and the one with most to gain.
- One flat fee, insurance included
- No cheque book
- Rent spread over 1 to 12 payments
- Deposit recorded, not just handed over
- Cover for the home and for the rent
Landlord
Pays nothing, and ends up in a stronger position.
- Rent on the agreed cadence
- Cannot end up with an unregistered tenancy
- A failed payment is flagged and retried automatically
- The home is insured
- Rent is never advanced — no financing between you and the tenant
Agency
Free to use, and paid to use it.
- Agency fee collected at signing, not chased
- Released once Ejari is checked
- No rent cheques to collect, bank or reissue
- A bonus per tenancy on top
- An easier proposition to place
See it working
A clickable prototype with three dashboards and a step-by-step walkthrough for each role. Upload the Ejari certificate as the tenant, then switch to the agency and landlord views and watch the same event land differently for each of them.
Questions
Is Project Y a lender?
No. Rent is never advanced. The landlord is paid as funds are collected, on the cadence the parties agreed, so there is no financing spread and no credit product between landlord and tenant.
Does an agency have to be involved?
No. A landlord and tenant who have found each other directly can run the whole tenancy themselves, and there is simply no agency fee. Where an agent is involved, they start the tenancy and their agreement is generated alongside the contract.
Who registers the Ejari?
The tenant, exactly as today, with Dubai Land Department. They then upload the certificate so it can be checked against the signed contract. Until it matches, nothing is collected — which gives the landlord and the agent a reason to help rather than leave it to the tenant.
What does the insurance actually cover?
The home and its contents, accidental damage, tenant liability and alternate accommodation. Separately it covers part of the rent for up to three months if the tenant loses their job involuntarily. There are three tiers; the first is included in the platform fee and the higher two cover more of the rent each month. All three run for up to three months.
Why two payment instructions rather than one?
They do different jobs. The first is a single collection covering the deposit, the agency fee and the platform fee. The second collects only rent, on whatever schedule was agreed. Keeping them separate means the rent instruction never carries anything a tenant did not expect.
What happens if a payment fails?
It is flagged and retried automatically. A failed collection on a direct debit authority carries the same legal weight as a bounced cheque and is enforceable through the courts in the same way.
Does Project Y hold anyone's money?
This is precisely the question under review with counsel. The intention is that rent and deposits are never held by the platform — the instruction names the landlord, and a licensed institution sits in the collecting seat. The final structure depends on that advice.
Is any of this new infrastructure?
None of it. UAE PASS, Ejari, the Central Bank's direct debit system and the Dubai Land Department's Flexi Rent framework all already exist and are already regulated. What has never existed is a layer that runs them in order and makes each step conditional on the last.
Where this actually is
Worth being precise about what is settled and what is not.
Settled
- The workflow: verify, sign, pay, cover, register, settle
- Registration as the condition for money moving
- The underlying infrastructure exists and is regulated
- Instalment rent is now sanctioned policy in Dubai
- Insurance in principle, with a licensed insurer
Under review
- The licensing perimeter, with counsel — this determines the structure
- Which licensed institution sits in the collecting seat
- Insurance tiers and pricing, with the insurer
- Fee levels, subject to the final cost base
- The customer experience itself, which will change as the above resolve
Three dashboards, three walkthroughs, one live tenancy you can move through yourself.