# ARP Digital > The GCC partner that institutional investors, exchange houses, and global fintechs rely on to move, settle, and grow capital across the Gulf. Source: https://www.arpdigital.io ## Core ### Digital Capital in Motion URL: https://www.arpdigital.io/en The GCC partner that institutional investors, exchange houses, and global fintechs rely on to move, settle, and grow capital across the Gulf. #### Digital Capital in Motion The GCC partner that institutional investors, exchange houses, and global fintechs rely on to move, settle, and grow capital across the Gulf. One Counterparty. Multi-Licensed. Built to Be the Region's Next Financial Institution #### Digital capital is created globally. It gets trapped locally. Capital should move as freely as information. Digital assets created a new form of capital - programmable, borderless, 24/7 - but the global economy still lacks the infrastructure to deploy it where it matters. Not just to trade it. Not just to hold it. But to use it: to settle a corridor, fund a real estate purchase, clear a physical commodity trade, pay a supplier in Shenzhen. Until now. #### Numbers that move real money. - **$3.5B+** — Volume Processed - **450+** — Clients - **4+** — Extended Licenses - **4x** — Volume Growth 2025 - **99.99%** — Platform Uptime - **10+** — Currencies Supported #### ARP Flow. One platform. All your capital needs. Institutional trading, corridor settlement, and capital conversion under one integrated solution. **Convert — The GCC's deepest OTC liquidity desk.** Institutional-depth digital asset liquidity, 24/7. Bilateral settlement in fiat or stablecoin, T+0. The only CBB-licensed desk of its kind in the GCC. - LPs/market makers - Traders/arbers - Institutional clients **Send — Remittance, corridor settlement and onramp/offramp. Fiat in. Fiat out.** Your correspondent bank takes three days and charges for every leg. We replace both. International corridor rails powered by stablecoin settlement, invisible to your clients, material to your treasury. - Exchange houses - Global fintechs - SMEs Importers **Receive — Collections & payouts. Crypto-to-fiat conversion. No volatility. No custody risk.** Your bank blocks crypto-origin funds. Your clients miss margin calls waiting for wire transfers. We convert digital assets to GCC currencies, USD, or Euro, settled directly to your bank account. Your business never touches crypto. - Real Estate - FX & CFD Brokers #### Institutional service. Human scale. Every client has a named relationship manager. Direct phone. Direct WhatsApp. Full API and dashboard access for operational efficiency. - White glove services - Concierge onboarding - API, dashboard, or direct line #### Built from within the Gulf. Every credible competitor navigates GCC rails from a distance. Co-founded by Abdulaziz and Abdulla Kanoo, fifth-generation twins from GCC's 135-year Kanoo Group, ARP Digital was built from the inside, licensed here, operating here, built to stay here. #### You deserve a licensed and regulated counterparty. - **FINTRAC** (The Financial Transactions and Reports Analysis Centre of Canada) #### Put your digital capital to work Expert-managed vehicles with institutional governance and a team you can call, built for sophisticated investors and institutions seeking regulated digital asset allocation. ### Unlocking digital capital for the real economy URL: https://www.arpdigital.io/en/about The GCC's missing infrastructure for institutional-grade digital capital. Built from within the region to put digital wealth in motion. #### We Are ARP Digital #### Manifesto For centuries, capital moved through institutions you could see - banks with branches, clearinghouses with addresses, correspondents with names. Trust was built through proximity, regulation, and time. That model worked because the assets it moved were anchored to the physical world. That world has changed. Digital assets have created a new form of capital - programmable, borderless, and available twenty-four hours a day. In the years ahead, significant portions of global wealth will be held, transferred, and settled on digital rails. In the GCC, that infrastructure mostly does not exist. The region processes billions in annual remittance volume, hosts some of the world's most active real estate markets, and sits at the centre of global commodity trade flows. Yet it has almost no institutional-grade infrastructure to move digital capital through the real economy at scale. This is where ARP Digital comes in. The infrastructure was missing. We are here to build it, and unlock digital capital for the institutions that move the real economy. #### Built from within the Gulf. Every credible competitor navigates GCC rails from a distance. Co-founded by Abdulaziz and Abdulla Kanoo, fifth-generation twins from GCC's 135-year Kanoo Group, ARP Digital was built from the inside - licensed here, operating here, built to stay here. ##### Yusuf Alireza Non-Executive Chairman — ARP Digital URL: https://www.arpdigital.io/en/about/leadership/yusuf-alireza Yusuf brings two decades of institutional financial leadership to ARP's board. As President of Goldman Sachs Asia and a Partner of the firm, he was a member of the Goldman Sachs Global Management Committee. He later founded ARP Global Capital Limited, a multi-asset hedge fund that ranks in the top quartile globally and was recently recognized with the EuroHedge Awards 2025 in the Discretionary Macro category. He currently serves as a Board Member at EDB Bahrain, the Economic Development Board. ##### Abdulaziz Kanoo Co-Founder & Co-CEO — ARP Digital URL: https://www.arpdigital.io/en/about/leadership/abdulaziz-kanoo Abdulaziz is a fifth-generation member of the Kanoo Group, GCC's 135-year institutional family with deep roots in trade, shipping, and finance across the Gulf. Before co-founding ARP, he was Co-Head of MENA at Amber Group, the $3 billion Temasek-backed digital asset wealth manager and market maker, where he built institutional relationships across the GCC that now anchor ARP's client base. Prior to Amber Group, Abdulaziz worked as a venture capital investor at BECO Capital and Palm Drive Capital. The combination of institutional family network, digital asset operating experience, and VC pattern recognition shapes how ARP identifies and builds new product lines. ##### Abdulla Kanoo Co-Founder & Co-CEO — ARP Digital URL: https://www.arpdigital.io/en/about/leadership/abdulla-kanoo Abdulla co-founded ARP alongside his twin brother Abdulaziz, bringing the same fifth-generation Kanoo Group foundation and Co-Head of MENA experience at Amber Group. His technical background is distinct: a specialist in statistical arbitrage and delta-neutral strategies in the digital asset space, with an MS in Operations Research and Financial Engineering from Columbia University Fu Foundation School of Engineering. Abdulla leads ARP's product and technical architecture. The quantitative rigour behind ARP's netting engine, rate optimisation, and settlement infrastructure reflects his background in financial engineering applied to digital asset markets. #### Designed for Institutions. Trusted by banks, exchange houses, stablecoin issuers, and global fintechs across the GCC. - **FINTRAC** (The Financial Transactions and Reports Analysis Centre of Canada) ### We are ARP Digital URL: https://www.arpdigital.io/en/vision We believe in a world where digital capital moves freely across markets, borders, and economies. Built from within the Gulf to unlock digital capital for the institutions that move the real economy. #### Unlocking Digital Capital for the Real Economy #### Manifesto We believe in a world where digital capital moves freely across markets, borders, and economies. For centuries, capital moved through physical institutions, banks, clearinghouses, and correspondents, where trust was built through proximity and time. That world has changed. Digital assets have created a new form of capital that is programmable, borderless, and available around the clock. The GCC stands as a global powerhouse, processing billions in annual remittance volume and acting as a central hub for international commodity trade flows. Yet, the region has lacked the institutional-grade infrastructure required to move digital capital through the real economy at scale. The critical rails were simply missing. This is why ARP Digital exists. We are here to build that missing infrastructure, put digital wealth in motion, and unlock digital capital for the institutions that drive the real economy. #### Our culture & core values To build the future of finance, we need a team that operates with purpose. - **Urgency**: The future of finance won't wait. We are driven by a shared, relentless momentum to deliver real-world impact now. We move with agility and purpose, giving you the runway to rapidly build and deploy the groundbreaking solutions our region urgently needs today. - **Curiosity**: We are pioneers exploring the absolute frontier of digital capital. Here, your questions are the catalyst for breakthroughs. We challenge you to push boundaries, explore uncharted technological rails, and invent the innovations that will seamlessly bridge the digital and physical economies. - **Decisiveness**: In a landscape defined by complexity, bold action wins. We strip away bureaucracy to empower your expertise. You will have the true autonomy to make clear, strategic choices, and the profound trust of leadership to execute them without hesitation. - **Accountability**: We are architecting the foundation of a new financial era. With that comes deep, meaningful ownership. We trust you to build institutional-grade infrastructure that stands the test of time, taking absolute pride in delivering the uncompromising security and reliability our clients depend on. #### Join the team - **450+** — Clients - **4x** — Volume Growth 2025 - **99.99%** — Platform Uptime - **4+** — Extended Licenses - **10+** — Currencies Supported > Being part of ARP Digital's rapid growth from its early stage has been remarkable. As Head of Operations, I've built our operational framework with full autonomy. The dynamic environment and leadership's trust enables continuous innovation and meaningful impact. — Head of Operations > What I love vision working here is that no two days are the same. The challenges are real, but so is the support from the team. We're building something incredible in the digital assets space, and it feels great to be part of it. — Senior Operations Associate ### How much are you losing to bank FX fees? URL: https://www.arpdigital.io/en/rates Enter your cross-border payment details to see exactly what you're paying today - and what you'd save with ARP Flow. #### How much are you losing to bank FX fees? Enter your cross-border payment details to see exactly what you're paying today - and what you'd save with ARP Flow. #### How we calculate this - Provider FX markup and SWIFT fees use typical values for each provider category; your actual costs may be higher or lower. - ARP GPS pricing reflects published corridor fees and premiums at time of quote and is subject to volume and onboarding. - FX rates are mid-market cross-rates sourced from Yahoo Finance and refresh at most hourly. ## Products ### Move More Volume. Keep More Margins URL: https://www.arpdigital.io/en/products/send The regulated settlement layer that exchange houses, fintechs, and importers use to move capital across GCC corridors. Same-day. No pre-funding. Up to 80% cheaper than correspondent banking #### Move More Volume. Keep More Margins The regulated settlement layer that exchange houses, fintechs, and importers use to move capital across GCC corridors. Same-day. No pre-funding. Up to 80% cheaper than correspondent banking #### Metrics - **50–80%** — vs correspondent banking and MTO infrastructure. - **2–3×** — vs conventional MSB and bank channels on the same volume. - **Zero.** — Fixed costs only. Full transparency upfront. - **Same-Day** — No 2–5 day delay. Capital freed from Nostro pre-funding. - **SWIFT alternative** — Direct local rails on both ends. No SWIFT intermediary, no cut-off windows, no multi-hop latency. - **5+ corridors** — Previously inaccessible corridors. GCC → South Asia, East Africa, Intra-GCC. Live today. #### Audiences **Your MTO replacement.** Banks locked capital at every correspondent. MTOs removed the capital charge but kept the balance sheet cost. ARP Digital replaces the entire correspondent chain. **Your licensed GCC payout node.** GCC is a genuine gap in your global payout network. No licensed node that accepts stablecoins and disburses clean AED locally - compliantly, at scale. Send USDT or USDC to ARP. Your clients receive local fiat. **Settle your corridor same day.** Supplier settlements via correspondent banking take 3–5 days and charge multi-layer fees at every step. The cost is opaque. The timing disrupts your supply chain. ARP Digital settles same day with fixed costs upfront. #### Fiat in. Fiat out. We handle everything in between. Two local transactions. One invisible bridge. Your client deposits locally. We settle the cross-border leg using our own infrastructure. The recipient receives fiat through their local rails. No SWIFT. - **Better FX Rates**: Proprietary order flow netting delivers rates no bilateral correspondent can match. Margin improvement flows directly to your bottom line. - **Same-Day Settlement**: No 2–5 day delay. Working capital freed from nostro pre-funding. Faster cycles, better liquidity management. - **Corridor Reach**: GCC → South Asia, Africa, Southeast Asia. Corridors previously unavailable or only accessible via costly intermediaries. - **Regulated Counterparty**: Single MSB entity. FINTRAC registered, CBB supervised. AML/KYC built in. One relationship, full compliance coverage. - **Invisible Integration**: Your clients use the same local payment methods. ARP handles the cross-border leg. No operational disruption. - **Real-Time Visibility**: Fixed fees upfront. Transaction tracking in real time. Full reconciliation and reporting. No surprises. #### Run it yourself. Or plug it in. Whether your team operates through a dashboard or builds programmatically, ARP Digital is available the way your business works. **Platform** Log in, select your corridor, enter your amount, and submit. ARP handles the settlement leg. - No integration - Live FX quotes - Real-time tracking - Audit export **API** Embed ARP Digital directly into your platform or product. Trigger corridor settlements, receive webhook confirmations, and serve your end clients clean local fiat, without them knowing the mechanism behind it. - REST API - Webhooks - Sandbox - Days, not months #### Compare Exchange Rates See how much you're really paying. Compare your bank's rate against ARP Digital and mid-market rates. #### Designed for the corridors your clients are already sending to. - **GCC to South & Southeast Asia** (Corridor 01 - Live): AED → INR · PHP - **Intra-GCC** (Corridor 02 - Live): AED ↔ KWD ↔ BHD - **GCC - Europe** (Corridor 03 - Live): AED ↔ EUR - **GCC to East Africa** (Corridor 04 - Coming soon): AED → ETB · KES · UGX #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **FINTRAC Registered MSB - Canada**: The Group MSB is the contracting counterparty for all cross-border arrangements with GCC exchange houses. - **AML / KYC Built In**: Transaction monitoring, sanctions screening, and KYC verification embedded at no additional build cost to partners. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **How does ARP Digital replace MTO infrastructure?** ARP Digital operates as a licensed netting engine. Exchange houses send local deposits through existing rails. ARP nets opposing positions across corridors and delivers local payouts at the destination, same day, no pre-funding required. **Does ARP Digital require end clients to interact with crypto?** No. ARP Digital is fiat in, fiat out. End clients send and receive in local currency through their usual payment methods. The stablecoin settlement layer is entirely within ARP's infrastructure and invisible at every point. **Which corridors does ARP Digital settle today?** Active corridors: GCC to South and Southeast Asia (AED to INR and PHP), GCC to East Africa (AED to ETB, KES, UGX), and Intra-GCC (AED, KWD, BHD). **What licences does ARP Digital operate under?** ARP Digital is Licensed as Capital Market-Crypto Assets Service Provider (Cat3) by the Central Bank of Bahrain, and operates through a FINTRAC-registered Money Services Business, which is the contracting counterparty for all cross-border arrangements with GCC partners. **How long does API integration take?** Three days. Partners with an engineering resource available integrate ARP GPS in three working days from credential issuance. No custom development required on ARP's side. ARP's integration team provides sandbox access, test transactions, and dedicated technical support. **Is a Postman collection available?** Yes. ARP provides a full Postman collection covering all GPS endpoints, initiate, track, confirm, and reconcile, available immediately on request alongside sandbox credentials. The collection covers the full transaction lifecycle and is maintained in line with API updates. Speak to the team or your named RM to receive access. ### Trade at Depth. Settle in the Gulf URL: https://www.arpdigital.io/en/products/convert Institutional-depth GCC liquidity, 24 hours a day. Multi-licensed. Direct desk access. Block trades confirmed and settled same day #### Trade at Depth. Settle in the Gulf Institutional-depth GCC liquidity, 24 hours a day. Multi-licensed. Direct desk access. Block trades confirmed and settled same day #### Metrics - **24/7** — Round-the-clock execution. No business-hours constraint. - **T+0** — Same-day settlement in fiat or stablecoin. - **10+** — AED, BHD, OMR, KWD, JOD, USD, EUR, GBP, TRY. - **Tier 1** — Backed by Tier 1 GCC banking relationships most digital asset desks cannot access. #### Why does a licensed OTC desk matter in the GCC? **Licensed, banked, and connected where it matters.** ARP's licensing and shareholding structure enables banking relationships with the majority of Tier 1 GCC banks - relationships structurally unavailable to most digital asset firms in the region. **Deep liquidity & Institutional stablecoin on/off ramp across GCC currencies.** Real inventory depth. Convert AED or BHD to USDT or USDC at rates no retail exchange can match. Settle same day. **Round-the-clock execution and dedicated support** Traders and arbitrageurs' opportunistic windows do not wait for business hours. ARP's desk operates 24/7, 7 days a week. #### Institutional service. Human scale. Every client has a named relationship manager. Direct phone. Direct WhatsApp. - White glove services - Concierge onboarding - Platform or direct line #### Fiat currencies we support ARP Digital settles across 10+ fiat currencies and major regulated stablecoins. All local currency settlement uses direct local payment rails - no correspondent bank intermediary, no SWIFT delay. - USD - AED - BHD - OMR - KWD - JOD - EUR - GBP - TRY #### The rails behind the rate ARP Digital settles through direct local payment infrastructure: no correspondent bank intermediary, no SWIFT delay, no capital idle time between execution and receipt. **01. Local Rails for On / Off-Ramp** Direct access to local payment infrastructure in BHD and AED markets. No correspondent intermediary required. **02. Local Collection** Funds collected in local currency via bank transfer, mobile money, or direct banking rails. AML-verified at point of collection. **03. Local Payouts** Settlement disbursed in local fiat directly to your bank account. Same-day. #### The only multi-licensed counterparty in the GCC operating an institutional OTC desk - **FINTRAC** (The Financial Transactions and Reports Analysis Centre of Canada) #### Earn on the relationships you already have. ARP's referral programme is built for serious introducers. You refer. ARP handles the relationship, the compliance, and the execution. You earn on every transaction your referral makes, for as long as they trade. **01. You introduce the client** Make the introduction - in person, by message, or through a warm referral. ARP handles onboarding, compliance, and everything that follows. **02. We onboard and execute** Full KYC, AML, compliance handled by us. You have no liability, no operational overhead. **03. You earn on their activity** Your referral fee is calculated as a percentage of the fee we charge the referred client, paid quarterly, by bank transfer, for the duration of your referral period. **04. It renews if they grow** If your referred client grows their trading volume significantly, your referral period renews automatically. The more they trade, the longer, and more, you earn. #### Institutional by design. Built for your business. - High-volume LPs, traders & Arbitrageurs - Family Offices & HNWI - Banks & Financial Institutions #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **What licence does ARP Digital hold and what does it cover?** ARP Digital is Licensed as Capital Market-Crypto Assets Service Provider (Cat3) by the Central Bank of Bahrain (CBB). This is the highest-tier digital asset licence issued in Bahrain and covers OTC trading, settlement, and custody under one regulated entity. **What is the minimum trade size for ARP Digital?** Our OTC solution is designed for institutional block trades from $100,000 and above. Below this threshold, retail exchanges are typically sufficient. Above it, ARP provides the depth, discretion, and documentation that retail channels cannot. **Can I settle in stablecoin rather than fiat?** Yes. We settle in USDT, USDC, or any of 10+ supported fiat currencies (including AED, BHD, USD, EUR, GBP, TRY, OMR, KWD, and JOD). You choose the settlement currency at the point of trade confirmation. **How long does onboarding take?** Same day. Clients who submit documentation are onboarded and trading the same day. No multi-week compliance queue, no relationship manager gatekeeping the process. ### Accept Digital Assets. Receive Local Fiat URL: https://www.arpdigital.io/en/products/receive Institutional-grade crypto-to-fiat settlement platform, built for businesses that want to accept stablecoin globally without touching digital assets, carrying volatility risk, or managing crypto compliance #### Accept Digital Assets. Receive Local Fiat Institutional-grade crypto-to-fiat settlement platform, built for businesses that want to accept stablecoin globally without touching digital assets, carrying volatility risk, or managing crypto compliance #### Metrics - **T+0/1** — Same or next day. Directly to your bank account via local rails. - **Zero.** — Your business never holds, touches, or manages digital assets. - **6+** — AED, BHD, USD, INR, PHP. Settled via local banking rails. - **Zero** — Blockchain settlement is final. No reversals. No exposure. #### Audiences **Your next buyer is holding crypto.** International crypto holders are an active buyer segment for GCC real estate. Your bank blocks crypto-origin funds. Your deals stall waiting for wire transfers. ARP Digital lets you accept digital assets from buyers anywhere, and receive BHD, AED, or USD directly in your bank account, same or next day. **Instant top-ups. Same-day payouts.** Margin calls don't wait for bank transfers. ARP Digital gives your clients an instant, low-cost way to top up margin - before the liquidation window closes. #### Stop leaving this capital on the table. - **Expand your buyer base**: Access the growing segment of international crypto holders who prefer settling large transactions in digital assets. - **Zero market risk**: You receive fiat - GCC currencies or USD - at a confirmed rate. ARP absorbs the conversion. You have no exposure to crypto price volatility at any point in the process. - **Lower cost than traditional channels**: Every correspondent bank in the chain takes a cut. Credit cards charge 2–5% and take days to settle. ARP Digital replaces the entire chain with a single, all-inclusive fee, processing, FX, and settlement included. - **Faster deal closures**: Transactions that traditionally take 2–5 days via wire transfer complete in hours. No correspondent banking delays. No documentation back-and-forth. The deal closes when it should. #### Digital assets in. Local fiat out. Your client pays in stablecoin. Your bank receives local fiat. Everything that happens in between - conversion, compliance, documentation - is our responsibility. Not yours. **1. Client Onboarding** We onboard your client, not you. Identity verified. Wallet whitelisted. AML cleared. By the time the stablecoin moves, the compliance file is already closed. **2. Conversion** Your client funds their ARP wallet by sending USDT or USDC. ARP converts to your chosen fiat currency - GCC currencies or USD - at a live rate with no hidden spread. **3. vIBAN Settlement** Fiat is settled into a named virtual IBAN issued in your client's name. This creates a clean, documented fund trail - your bank sees a standard local transfer, not a crypto origin. **4. Transfer to Your Account** Your client initiates the transfer from their named vIBAN directly to your bank account. T+0 or T+1. Full transaction statement downloadable from the ARP dashboard. #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **KYC / AML / KYT Embedded**: Wallet whitelisting, identity verification, and transaction monitoring embedded at point of collection. Your bank receives documented, screened fiat. - **Zero Chargeback Risk**: Once settled, it cannot be undone. Blockchain-based transactions are final by design. No chargebacks, no reversals, no dispute process. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **Does my business need to hold or manage crypto to use ARP Digital?** No. Your business never touches crypto at any point. Your client sends USDT or USDC to ARP. ARP handles conversion and compliance. You receive GCC currencies or USD directly in your bank account. **How does ARP Digital handle compliance for incoming crypto funds?** ARP onboards and KYC-verifies the sending party - your client - not your business. Wallet whitelisting, AML screening, and KYT protocols screen every transaction against global standards before conversion. Your bank receives clean, documented fiat. **How long does settlement take?** T+0 for transactions below BHD 2,500, initiated before bank cutoff. T+1 for transactions above BHD 2,500, initiated before bank cutoff. Settlement goes directly to your bank account via local rails. ## Industry Solutions ### Your MTO. Replaced URL: https://www.arpdigital.io/en/services/exchange-house Your Nostro float locks capital. Your MTO keeps the margin. ARP Digital replaces both - same-day corridor settlement at better-than-interbank rates #### Your MTO. Replaced Your Nostro float locks capital. Your MTO keeps the margin. ARP Digital replaces both - same-day corridor settlement at better-than-interbank rates #### Metrics - **Same day** — No 2–5 day delay. Capital freed from Nostro pre-funding - available for the next transaction. - **2-3x** — Proprietary netting delivers ~0.1% above interbank rate. The margin your MTO was taking stays in your treasury. - **50-80%** — Single regulated counterparty. No intermediary chain. No hidden fees deducted in transit. - **Zero** — No Nostro balances. No corridor float. Your capital is working, not waiting. #### What your current corridor infrastructure is costing you. **Your corridor model costs more than it should - whichever model you run.** Fund directly and capital locks in Nostro accounts earning nothing. Route through an MTO and you pay their spread, carry their corridor risk, and lose access if the relationship fails. Either way, the cost compounds with volume. **Volumes are growing. Margin per transaction is shrinking.** GCC outbound remittance to India, Philippines, East Africa is high-volume and brutally competitive. Every basis point your MTO keeps is a basis point your exchange house doesn't. As volume scales, the structural cost scales with it. **Every corridor that runs through SWIFT runs through someone else's infrastructure.** SWIFT multi-hop routing adds settlement latency, FX friction, and compliance cost at every intermediary leg. Cut-off times constrain your operational window. Correspondent banking retrenchment is quietly closing corridors that were open last year. Your settlement infrastructure should not depend on a network that was not built for your market. **Every model ties up capital you could be deploying.** Fund directly and your Nostro balances sit idle, attracting regulatory capital charges. Route through an MTO and you solve the capital charge, but not the balance sheet cost. ARP Digital eliminates both: no pre-funding, no idle capital, no correspondent balance to maintain. The exchange houses that move first keep the margin everyone else is giving away. #### Fiat in. Fiat out. We handle everything in between. Your client deposits locally. We aggregate order flow across corridors, net opposing positions, and deliver local fiat at the destination - same day. Your clients see no change. The stablecoin settlement layer is entirely within our infrastructure. - **Better FX Rates**: Proprietary order flow netting delivers rates no bilateral correspondent can match. Margin improvement flows directly to your bottom line. - **Same-Day Settlement**: No 2–5 day delay. Working capital freed from nostro pre-funding. Faster cycles, better liquidity management. - **Corridor Reach**: GCC → South Asia, Africa, Southeast Asia. Corridors previously unavailable or only accessible via costly intermediaries. - **Regulated Counterparty**: Single MSB entity. FINTRAC registered, CBB supervised. AML/KYC built in. One relationship, full compliance coverage. - **Invisible Integration**: Your clients use the same local payment methods. ARP handles the cross-border leg. No operational disruption. - **Real-Time Visibility**: Fixed fees upfront. Transaction tracking in real time. Full reconciliation and reporting. No surprises. #### The corridor you're already running has a premium in it. Are you capturing it? India and East Africa carry FX dynamics that reward exchange houses who can move fast and settle same day. Slow infrastructure gives that margin to someone else. ARP Digital gives you the licensed GCC liquidity and the same-day settlement rails to capture it. #### Run it yourself. Or plug it in. Whether your team operates through a dashboard or builds programmatically, ARP Digital is available the way your business works. **Platform** Log in, select your corridor, enter your amount, and submit. ARP handles the settlement leg. - No integration - Live FX quotes - Real-time tracking - Audit export **API** Embed ARP Digital directly into your platform or product. Trigger corridor settlements, receive webhook confirmations, and serve your end clients clean local fiat, without them knowing the mechanism behind it. - REST API - Webhooks - Sandbox - Days, not months #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **FINTRAC Registered MSB - Canada**: The Group MSB is the contracting counterparty for all cross-border arrangements with GCC exchange houses. - **AML / KYC Built In**: Transaction monitoring, sanctions screening, and KYC verification embedded at no additional build cost to partners. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **How does ARP Digital replace MTO infrastructure for exchange houses?** Banks locked capital at every correspondent - balance sheet maintenance plus regulatory charges held against each bilateral relationship. MTOs solved the capital charge problem but not the balance sheet cost. Stablecoin settlement eliminates both: fully funded in real time, no correspondent chain, no idle capital. ARP Digital is the licensed GCC version of that network, exchange houses send local deposits, ARP nets opposing positions across corridors, and delivers local payouts at the destination same day, with no pre-funding required. **Do exchange houses need to pre-fund corridors with ARP Digital?** No. ARP Digital requires no pre-funding on any corridor. Your capital is not locked in Nostro accounts or MTO floats. It is available for productive use from the moment you switch. **What licences does ARP Digital hold for cross-border corridor settlement?** ARP Digital is Licensed as Capital Market-Crypto Assets Service Provider (Cat3) by the Central Bank of Bahrain, and operates through a FINTRAC-registered Money Services Business, which is the contracting counterparty for all cross-border arrangements with GCC exchange houses. **How long does it take to go live on a new corridor with ARP?** The onboarding path is: introduction → compliance pre-qualification → corridor pilot → full ramp. Compliance pre-qualification is prioritised first. Once cleared, a corridor pilot can be live within weeks, not months. **How long does API integration take?** Three days. Partners with an engineering resource available integrate ARP GPS in three working days from credential issuance. No custom development required on ARP's side. ARP's integration team provides sandbox access, test transactions, and a named technical contact throughout. Most partners are running live volume within a week of signing. **Is a Postman collection available?** Yes. ARP provides a full Postman collection covering all GPS endpoints, initiate, track, confirm, and reconcile, available immediately on request alongside sandbox credentials. The collection covers the full transaction lifecycle and is maintained in line with API updates. Speak to the team or your named RM to receive access. ### Your GCC Payout Node URL: https://www.arpdigital.io/en/services/fintech One API call adds GCC to your payout network. Send stablecoin. Your clients receive local fiat #### Your GCC Payout Node One API call adds GCC to your payout network. Send stablecoin. Your clients receive local fiat #### Metrics - **Same day settlement**: Correspondent banking routes GCC payouts through multiple intermediaries, each adding latency. ARP routes through direct local payment rails. Same-day local disbursement. Not 2–5 business days. - **No GCC sourcing cost**: Sourcing AED at scale through correspondent banking means FX spread at every leg and fees at every intermediary. Send stablecoin to ARP. The local disbursement cost is a single, transparent conversion. - **Quick integration**: Sourcing, holding, and managing GCC balances at retail scale requires local banking relationships, compliance infrastructure, and a treasury team. ARP Digital replaces all of it - one API integration, one counterparty, no infrastructure to maintain. - **4+ GCC currencies**: Direct local banking rails, no SWIFT. #### Global platforms that need GCC as a payout destination. **GCC payout coverage, without building local infrastructure.** Networks seeking GCC local currency payout nodes to serve their partner ecosystem. Building GCC disbursement from scratch takes 18–24 months. ARP Digital removes that from your roadmap entirely. **GCC retail clients need same-currency withdrawals. Fast.** International trading platforms with GCC retail clients face a recurring problem: clients want to withdraw in AED, same day. Bank wires take days. Sourcing local liquidity at scale is operationally prohibitive. ARP Digital disburses locally in hours. **Disbursing AED to thousands of users should not require a treasury team.** International PSPs serving GCC markets find it operationally complex to source AED, maintain local accounts, and disburse at retail scale. ARP handles the entire local disbursement leg, compliantly, same day, via a single API integration. **Corporate Treasury & Payroll** Fund payroll, vendor payments, and settlements in stablecoin. Disburse in local fiat. Companies holding stablecoin treasury balances need a reliable, licensed channel to convert and disburse to GCC employees, vendors, and counterparties in local currency, without building local banking infrastructure or exposing payroll to FX volatility. #### Fiat in. Fiat out. We handle everything in between. Your platform sends USDT or USDC. We handle conversion, compliance, and local disbursement. AED lands in your client's account same day. The stablecoin layer never leaves ARP's infrastructure. - **Better FX Rates**: Proprietary order flow netting delivers rates no bilateral correspondent can match. Margin improvement flows directly to your bottom line. - **Same-Day Settlement**: No 2–5 day delay. Working capital freed from nostro pre-funding. Faster cycles, better liquidity management. - **Corridor Reach**: GCC → South Asia, Africa, Southeast Asia. Corridors previously unavailable or only accessible via costly intermediaries. - **Regulated Counterparty**: Single MSB entity. FINTRAC registered, CBB supervised. AML/KYC built in. One relationship, full compliance coverage. - **Invisible Integration**: Your clients use the same local payment methods. ARP handles the cross-border leg. No operational disruption. - **Real-Time Visibility**: Fixed fees upfront. Transaction tracking in real time. Full reconciliation and reporting. No surprises. #### Run it yourself. Or plug it in. Whether your team operates through a dashboard or builds programmatically, ARP Digital is available the way your business works. **Platform** Log in, select your corridor, enter your amount, and submit. ARP handles the settlement leg. - No integration - Live FX quotes - Real-time tracking - Audit export **API** Embed ARP Digital directly into your platform or product. Trigger corridor settlements, receive webhook confirmations, and serve your end clients clean local fiat, without them knowing the mechanism behind it. - REST API - Webhooks - Sandbox - Days, not months #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **FINTRAC Registered MSB - Canada**: The Group MSB is the contracting counterparty for all cross-border arrangements with GCC exchange houses. - **AML / KYC Built In**: Transaction monitoring, sanctions screening, and KYC verification embedded at no additional build cost to partners. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **How does ARP GPS work as a GCC payout node for PSPs?** Your platform sends USDT or USDC to ARP Digital via API. ARP converts and disburses AED locally to your end clients through their local payment methods. Your clients see clean fiat. The stablecoin layer is entirely within ARP's infrastructure. **Does ARP Digital require our end clients to interact with crypto?** No. Your end clients send and receive in local fiat currency through their usual payment methods. The stablecoin settlement layer is invisible. Your platform handles the stablecoin leg. ARP handles the local fiat disbursement. **How quickly can a PSP integrate ARP GPS and go live?** ARP Digital offers a RESTful API with full documentation and a sandbox environment. Most PSP integrations complete within days. ### Instant top-ups. Same-day payouts. URL: https://www.arpdigital.io/en/services/fx-broker Margin calls don't wait for bank transfers. ARP Digital gives your clients an instant, low-cost way to top up margin - before the liquidation window closes. #### Instant Top-Ups. Same-Day Payouts Margin calls don't wait for bank transfers. ARP Digital gives your clients an instant, low-cost way to top up margin - before the liquidation window closes. #### Your clients' positions are at risk. Your platform's retention is too. **Your client hits a margin call. Their top-up takes 3 days. They get liquidated.** FX and CFD clients trade on leverage. Leverage means margin, and margin means constant top-up exposure. When a position moves against a client, the margin call window is tight. A card payment can take hours to clear. A bank transfer takes 1–3 business days. By the time the funds arrive, the position is already liquidated. **Your GCC clients want local bank withdrawals.** International FX platforms attract significant GCC retail and HNW client flow, particularly UAE-based traders. These clients want their profits disbursed to a local bank account in AED. **Slow funding is a retention problem.** A client who gets liquidated due to a slow top-up blames the platform, not the bank. Competitors who offer faster deposit channels retain the position, and the client. Every basis point of spread on a card deposit and every day of bank transfer delay is a structural disadvantage compounding at scale. #### Margin topped up before liquidation triggers. **Client hits a margin call** Position moves against client. Margin call window opens. **Client sends stablecoin to their ARP wallet** The client sends USDT or USDC to their unique virtual IBAN. Conversion begins immediately on confirmation. **ARP converts and credits in real time** ARP converts to fiat at a confirmed rate and credits the broker account in real time. No clearing window. No delay. **Margin topped up. Position stays open.** The broker's trading platform sees the credit. The margin call is resolved. The position survives. The client stays on the platform. #### Why stablecoin beats card and bank transfer - **Settlement speed** — Card processing: Hours; Bank transfer: 1–3 business days; ARP Flow: Real time - **Cost per deposit** — Card processing: 1.5–3.5%; Bank transfer: FX spread + fees; ARP Flow: Fixed cost - **Chargeback risk** — Card processing: High - reversible; Bank transfer: Medium; ARP Flow: Zero - final - **Available 24/7** — Card processing: Limited; Bank transfer: Banking hours; ARP Flow: Always - **Broker needs licence** — Card processing: No; Bank transfer: No; ARP Flow: No #### Instant collateral posting. The hedge is live before the market moves. Traders with directional exposure, across any asset class, need to post margin collateral for the offsetting position the moment the hedge decision is made. The window between decision and posting is live, unhedged risk. Traditional funding channels do not close that window fast enough. **Hedge decision made** Trader sizes the hedge and identifies the margin requirement. Collateral needs to post immediately to open the offsetting position. **Stablecoin sent to ARP Digital** USDT or USDC sent to the trader's virtual IBAN. ARP converts to fiat and credits the margin account in minutes. Fixed cost. No FX spread on top. **Margin posted. Hedge live.** Collateral credited. Offsetting position opens. The exposure is hedged before the market has time to move against it. #### Run it yourself. Or plug it in. Whether your team operates through a dashboard or builds programmatically, ARP Digital is available the way your business works. **Platform** Log in, select your corridor, enter your amount, and submit. ARP handles the settlement leg. - No integration - Live FX quotes - Real-time tracking - Audit export **API** Embed ARP Digital directly into your platform or product. Trigger corridor settlements, receive webhook confirmations, and serve your end clients clean local fiat, without them knowing the mechanism behind it. - REST API - Webhooks - Sandbox - Days, not months #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **FINTRAC Registered MSB - Canada**: The Group MSB is the contracting counterparty for all cross-border arrangements with GCC exchange houses. - **AML / KYC built in**: Transaction monitoring, sanctions screening, and KYC verification embedded at no additional build cost to partners. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **How does ARP Digital enable instant margin top-ups for FX broker clients?** The client sends USDT or USDC from their wallet to their ARP-issued virtual IBAN. ARP converts to fiat and credits the broker's account in real time. The top-up completes before the margin call triggers liquidation - no bank transfer delays, no card processing windows. **Can an international FX broker pay out to GCC client bank accounts without a local licence?** Yes. ARP Digital handles GCC local disbursement on behalf of the broker. The broker instructs ARP, ARP disburses AED to the client's local bank account same day. The broker requires no CBB licence, no local entity, and no correspondent banking relationship in the GCC. **What is the settlement time for a stablecoin margin top-up?** Real time. From the moment the client sends stablecoin to their ARP wallet, conversion and credit to the broker account completes in minutes, not hours. This is the critical difference versus card or bank transfer, where delays of 1–3 business days create liquidation windows. **Does the broker need to hold or manage digital assets?** No. ARP Gate handles conversion on its side. The broker receives fiat. The client sends stablecoin. ARP is the counterparty in the digital asset chain. The broker's operations, balance sheet, and reporting remain entirely in fiat. ### Institutional OTC desk in the GCC URL: https://www.arpdigital.io/en/services/lp-otc Institutional-depth GCC liquidity, 24 hours a day. Multi-licensed. Direct desk access. Block trades confirmed and settled same day. #### Institutional OTC Desk in the GCC Institutional-depth GCC liquidity, 24 hours a day. Multi-licensed. Direct desk access. Block trades confirmed and settled same day. #### Metrics - **24/7** — Round-the-clock execution. No business-hours constraint. - **T+0** — Same-day settlement in fiat or stablecoin. - **10+** — AED, BHD, OMR, KWD, JOD, USD, EUR, GBP, TRY. - **Tier 1** — Backed by Tier 1 GCC banking relationships most digital asset desks cannot access. #### What every LP and market maker faces in the GCC. **Global desks quote AED. Block-size spreads tell the real story.** Any desk can quote a tight spread at $100K. At $2M, the same desk is sourcing liquidity in real time from retail pools, and the spread reflects it. ARP Digital holds real AED and BHD inventory backed by direct Tier 1 GCC banking relationships. **T+1 or T+2 settlement is not a delay. It is idle capital.** Every day between execution and settlement is capital sitting doing nothing. In a high-velocity book, T+1 or T+2 compresses the number of trades you can run, and bank wire fiat legs create clearing windows that further extend that idle period. ARP Digital settles T+0. The capital is available for the next trade the same day. **Exchange fees, spread, FX conversion, and wire charges stack on every trade.** Running large institutional volume through exchange-based execution or multi-step OTC intermediaries layers costs at every hop - exchange fees, spread, FX conversion, correspondent bank charges. ARP's single-step OTC removes the intermediary chain and replaces layered cost with one institutional rate. #### One desk. Every problem addressed directly. **Real inventory. Tight spreads at block size. Not sourced in real time.** ARP's direct Tier 1 GCC banking relationships provide AED and BHD inventory held, not sourced on demand. **Same-day settlement. Real-time confirmation. No overnight fiat exposure.** ARP settles agreed trades the same day - T+0 as standard. No bank wire clearing window on the fiat leg. Real-time settlement confirmation issued on every trade, giving your treasury team the documentation it needs without a 24-hour wait. **One institutional rate. No layered fees. No intermediary in the chain.** ARP's direct banking and stablecoin issuer relationships allow it to price as a principal, not a broker routing through a chain. One rate. One counterparty. No exchange fees, no correspondent charges, no FX conversion layers on top. #### Institutional service. Human scale. Every client has a named relationship manager. Direct phone. Direct WhatsApp. - White glove services - Concierge onboarding - Platform or direct line #### Fiat currencies we support ARP Digital settles across 10+ fiat currencies and major regulated stablecoins. All local currency settlement uses direct local payment rails - no correspondent bank intermediary, no SWIFT delay. - USD - AED - BHD - OMR - KWD - JOD - EUR - GBP - TRY #### The rails behind the rate ARP Digital settles through direct local payment infrastructure: no correspondent bank intermediary, no SWIFT delay, no capital idle time between execution and receipt. **01. Local Rails for On / Off-Ramp** Direct access to local payment infrastructure in BHD and AED markets. No correspondent intermediary required. **02. Local Collection** Funds collected in local currency via bank transfer, mobile money, or direct banking rails. AML-verified at point of collection. **03. Local Payouts** Settlement disbursed in local fiat directly to your bank account. Same-day. #### The only multi-licensed counterparty in the GCC operating an institutional OTC desk - **FINTRAC** (The Financial Transactions and Reports Analysis Centre of Canada) #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **What licence does ARP Digital hold and what does it cover?** ARP Digital holds a Central Bank of Bahrain (CBB) Category 3 Crypto-Asset Service Provider licence. This is a comprehensive CBB-regulated digital asset licence in Bahrain and covers OTC trading, settlement, and custody under one regulated entity. **What is the minimum trade size for ARP Digital?** Our OTC solution is designed for institutional block trades from $100,000 and above. Below this threshold, retail exchanges are typically sufficient. Above it, ARP provides the depth, discretion, and documentation that retail channels cannot. **Can I settle in stablecoin rather than fiat?** Yes. We settle in USDT, USDC, or any of 10+ supported fiat currencies (including AED, BHD, USD, EUR, GBP, TRY, OMR, KWD, and JOD). You choose the settlement currency at the point of trade confirmation. **How long does onboarding take?** Same day. Clients who submit documentation are onboarded and trading the same day. No multi-week compliance queue, no relationship manager gatekeeping the process. ### Your Next Buyer Is Holding Digital Assets URL: https://www.arpdigital.io/en/services/real-estate International crypto holders are a growing buyer segment for GCC real estate. ARP Digital lets your development accept stablecoin from buyers anywhere in the world, and receive GCC fiat directly in your bank account. Your business never touches digital assets at any point. #### Your Next Buyer Is Holding Digital Assets International crypto holders are a growing buyer segment for GCC real estate. ARP Digital lets your development accept stablecoin from buyers anywhere in the world, and receive GCC fiat directly in your bank account. Your business never touches digital assets at any point. #### Metrics - **T+0/1** — Same or next day. Directly to your bank account via local rails. - **Zero.** — Your development company never holds or manages digital assets. - **Zero.** — Rate locked at point of conversion. Volatility does not reach your account. - **Zero** — Blockchain settlement is final. No reversals. No exposure. #### The buyer is ready. Your payment infrastructure isn't. **Crypto-origin funds are flagged before they reach your account.** International buyers who hold wealth in digital assets face a consistent barrier: their bank wire gets flagged, delayed, or rejected at the receiving end. **A deal that should close in days stalls for weeks.** International wire transfers on large property transactions take 3–7 days through correspondent banking, with no transparency on fees deducted in transit. **Every crypto buyer you cannot serve is a buyer your competitor can.** The international crypto buyer segment is growing. The infrastructure gap is becoming a competitive gap. #### Stop leaving this capital on the table. - **Expand your buyer base**: Access the growing segment of international crypto holders who prefer settling large transactions in digital assets. - **Zero market risk**: You receive fiat at a confirmed rate. ARP absorbs the conversion. You have no exposure to crypto price volatility at any point in the process. - **Faster deal closures**: Transactions that traditionally take 2–5 days via wire transfer complete in hours. No correspondent banking delays. No documentation back-and-forth. The deal closes when it should. - **Lower cost than traditional channels**: Every correspondent bank in the chain takes a cut. Credit cards charge 2–5% and take days to settle. ARP Digital replaces the entire chain with a single, all-inclusive fee, processing, FX, and settlement included. #### Your buyer pays in stablecoin. You receive fiat. Your buyer sends USDT or USDC. We convert to GCC fiat and settle to your bank account via a named virtual IBAN in your buyer's name. Your bank sees a clean local wire. Your development company never touches crypto at any step. **1. Client Onboarding** We onboard your client, not you. Identity verified. Wallet whitelisted. AML cleared. By the time the stablecoin moves, the compliance file is already closed. **2. Conversion** Your client funds their ARP wallet by sending USDT or USDC. ARP converts to your chosen fiat currency - GCC currencies or USD - at a live rate with no hidden spread. **3. vIBAN Settlement** Fiat is settled into a named virtual IBAN issued in your client's name. This creates a clean, documented fund trail - your bank sees a standard local transfer, not a crypto origin. **4. Transfer to Your Account** Your client initiates the transfer from their named vIBAN directly to your bank account. T+0 or T+1. Full transaction statement downloadable from the ARP dashboard. #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **KYC / AML / KYT Embedded**: Wallet whitelisting, identity verification, and transaction monitoring embedded at point of collection. Your bank receives documented, screened fiat. - **Zero Chargeback Risk**: Once settled, it cannot be undone. Blockchain-based transactions are final by design. No chargebacks, no reversals, no dispute process. #### Provide a better experience, and earn on the deals you are already closing. If you are a real estate broker or agent introducing international buyers to GCC developers, ARP Digital has a referral structure for you. You make the introduction. We handle the payment infrastructure, the compliance, and the conversion. You earn on every transaction your referral completes. No technical knowledge required. No operational overhead. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **Can a real estate developer accept crypto without holding digital assets?** Yes. ARP Digital converts your buyer's USDT or USDC to GCC currencies or USD and settles directly to your bank account. Your development company never holds, touches, or manages digital assets at any point. **How does ARP Digital handle compliance for crypto-funded property purchases?** ARP onboards and KYC-verifies the buyer, not the developer. Wallet whitelisting, AML screening, and KYT protocols screen every transaction before conversion. Your bank receives clean, documented funds from a named virtual IBAN in the buyer's name. **How long does it take to receive funds after a buyer sends stablecoin?** T+0 for smaller transactions initiated before bank cutoff. T+1 for larger transactions. Funds settle directly to your bank account via local rails, no correspondent delay. **What happens if crypto prices move after the buyer sends stablecoin?** Nothing that affects the developer. ARP Digital converts at a locked rate at the point of transaction. Your development company receives a confirmed fiat amount regardless of what happens to crypto prices after conversion. You carry zero market risk. ### Settle your supplier. Same day. URL: https://www.arpdigital.io/en/services/sme-importers Your supplier is waiting. Your bank takes 3–5 days and charges at every leg. ARP Digital settles same day, fixed costs, no SWIFT delays. #### Settle Your Supplier. Same Day Your supplier is waiting. Your bank takes 3–5 days and charges at every leg. ARP Digital settles same day, fixed costs, no SWIFT delays. #### Metrics - **Same-Day** — Your supplier receives local fiat the same day you send. - **50–80%** — vs correspondent banking - **Zero.** — Fixed costs only. Full transparency upfront. - **Zero** — No flagged payments, no restart loops, no documentation back-and-forth. - **SWIFT alternative** — Direct local rails on both ends. No SWIFT intermediary, no cut-off windows, no multi-hop latency. - **3+ corridors** — Previously inaccessible corridors. GCC → South Asia, East Africa, Intra-GCC. Live today. #### What your current bank is costing your supply chain. **3–5 days is too long when your supplier relationship depends on it.** Correspondent banking routes your payment through multiple intermediaries, each adding latency. Your supplier waits. Your shipment waits. Your relationship takes the strain. Every payment cycle repeats the same delay, and compounds the same risk. **Every correspondent bank in the chain takes a cut. None of it is disclosed upfront.** SWIFT multi-hop routing deducts fees at every correspondent leg, in transit, invisibly. The rate you were quoted at the point of sending is not the rate your supplier sees. ARP charges once, upfront, with full transparency before you confirm. **Capital sitting in transit is capital not working.** A 3–5 day settlement window means your working capital is idle every time you make a supplier payment. For businesses making weekly or monthly payments, that adds up to weeks of frozen capital per year, unavailable for inventory, operations, or growth. #### Fiat in. Fiat out. We handle everything in between. - **Better FX Rates**: Proprietary order flow netting delivers rates no bilateral correspondent can match. Margin improvement flows directly to your bottom line. - **Same-Day Settlement**: No 2–5 day delay. Faster cycles, better liquidity management. - **Corridor Reach**: GCC → South Asia, Africa, Southeast Asia. Corridors previously unavailable or only accessible via costly intermediaries. - **Regulated Counterparty**: Single MSB entity. FINTRAC registered, CBB supervised. AML/KYC built in. One relationship, full compliance coverage. - **Simple to operate**: Log in to the ARP Digital platform, select your corridor, enter your amount, and submit. We handle all the rest. - **Real-Time Visibility**: Fixed fees upfront. Transaction tracking in real time. Full reconciliation and reporting. No surprises. #### Compare Exchange Rates See how much you're really paying. Compare your bank's rate against ARP Digital and mid-market rates. #### Designed for the corridors your clients are already sending to. - **GCC to South & Southeast Asia** (Corridor 01 - Live): AED → INR · PHP - **Intra-GCC** (Corridor 02 - Live): AED ↔ KWD ↔ BHD - **GCC - Europe** (Corridor 03 - Live): AED ↔ EUR - **GCC to East Africa** (Corridor 04 - Coming soon): AED → ETB · KES · UGX #### One regulated counterparty. No multi-jurisdiction complexity. ARP Digital operates as a single regulated counterparty. One relationship, one AML framework, one documented entity, not a chain of correspondents with gaps between them. - **FINTRAC Registered MSB - Canada**: The Group MSB is the contracting counterparty for all cross-border arrangements with GCC exchange houses. - **AML / KYC Built In**: Transaction monitoring, sanctions screening, and KYC verification embedded at no additional build cost to partners. #### Digital capital moves in multiple directions. ARP Digital handles all of them - under one licenced, fully integrated platform. - **Convert** — Swap fiat to stablecoin or crypto to local currency. 24/7. Institutional depth. - **Send** — Settle corridors in minutes. No pre-funding. No SWIFT delays. Your clients receive fiat. - **Receive** — Receive digital assets. Settle in local fiat. Automatic conversion to GCC currencies, USD, or Euro, directly to your bank account. Your business never touches crypto. #### FAQ **How does ARP GPS work for GCC importers paying overseas suppliers?** Your business sends funds locally via your usual bank rails. ARP Digital settles the cross-border leg using its own infrastructure and delivers local fiat to your supplier same day. No SWIFT routing, no correspondent bank delays, no crypto visible to anyone in the chain. **Which corridors does ARP Digital support for SME supplier payments?** ARP Digital currently supports GCC to Europe (EUR and GBP) as a live corridor for SME supplier payments. Intra-GCC settlement is also live. The China corridor is coming soon. **Does ARP Digital require my suppliers to interact with crypto or stablecoin?** No. Your suppliers receive local fiat through their usual bank accounts. The stablecoin settlement layer is entirely within ARP's infrastructure and invisible to your supplier at every point. ## Wealth ### Put your digital capital to work URL: https://www.arpdigital.io/en/wealth/about ARP Digital Wealth is your access point to institutional digital asset products in the GCC. One relationship. Multiple product lines. #### Put Your Digital Capital to Work ARP Digital Wealth is your access point to institutional digital asset products in the GCC. One relationship. Multiple product lines. #### Managed with discipline. Built for performance. - **Expert-managed portfolios**: Every fund allocation is actively managed - macro insights, fundamental analysis, and quantitative research applied to every position. Your digital asset exposure is strategically managed, not passively held. - **Institutional risk management**: ARP Digital maintains a risk management framework aligned with global financial market standards. The same rigour applied to traditional portfolios is applied to every digital asset mandate. - **Bespoke structured products**: ARP Digital is the GCC-regulated firm that gives you access to structured digital asset derivatives. Direct access to tailored capital-protected and yield-generating strategies. - **Skin in the game**: ARP's team invests alongside clients, sharing the same risks, returns, and objectives. #### Bespoke digital asset structures. For investors who want digital asset market exposure with defined risk parameters. Capital-protected products, yield-generating strategies, and accumulators directly for family offices and institutional investors. #### Institutional service. Human scale. **01. Introductory call** A conversation with the ARP Digital Wealth team to understand your investment goals, existing portfolio, and objectives. **02. Onboarding & KYC** ARP guides you through a fully compliant, legally required KYC process. The team handles the documentation and keeps the process moving. **03. Risk profiling** A dedicated risk profiling conversation - your investment horizon, risk appetite, liquidity requirements, and market outlook. **04. Portfolio setup** ARP's wealth team constructs an investment solution tailored to your profile - fund allocation, structured product design, or a combination of both. #### Your ways to access digital asset markets. Every client's risk appetite, investment horizon, and objectives are different. ARP Digital Wealth offers access to different complementary structures to serve your needs. **ARP Digital Token Fund** A high-conviction, actively managed strategy with a long-biased approach to digital asset markets. ARP Global Capital invests in mid- and large-cap liquid digital assets with strong token economics, selected thematically based on prevailing market narratives. The fund is anchored by partner capital. ARP invests alongside clients, sharing the same risks and returns. The Digital Token Fund is managed by ARP Global Capital, a separate regulated entity from ARP Digital. ARP Digital Wealth introduces qualified investors to the ARP Global team. The management team, investment decisions, and fund operations are the responsibility of ARP Global Capital exclusively. ### Structured Products for Digital Assets URL: https://www.arpdigital.io/en/wealth/structured-products We give family offices and institutional investors direct access to tailored capital-protected and yield-generating strategies, without third-party intermediaries. #### Structured Products for Digital Assets We give family offices and institutional investors direct access to tailored capital-protected and yield-generating strategies, without third-party intermediaries. #### Pillars - **Fully bespoke structures**: Every product is built to the client's specific parameters - underlying asset, protection level, yield target, investment horizon, and currency. Off-the-shelf is not the offering here. - **Regulatory foundation**: ARP Digital is Licensed as Capital Market-Crypto Assets Service Provider (Cat3) by the Central Bank of Bahrain. One regulated counterparty across your entire digital asset exposure. - **Institutional risk framework**: ARP Digital maintains a risk management framework aligned with the highest standards of global financial markets. The same rigour applied to traditional portfolio management is applied to every structured product mandate. #### Multiple structures. One underlying thesis. Participation in digital asset market growth, with volatility managed rather than absorbed. Capital protected structures, yield strategies, and accumulators offer distinct ways to access markets on defined terms. #### Capital Protected Products Designed to offer market exposure with built-in downside protection. If the underlying asset's value declines during the investment period, investors are shielded from a portion of the loss. The structure enables these products to outperform direct digital asset exposure in declining markets, while participating in upside when conditions are constructive. - **Downside floor embedded at structuring.**: A defined portion of capital is protected regardless of how the underlying asset performs. The protection level is agreed at the point of investment, not subject to market conditions after entry. - **Underlying Digital assets or currencies, your choice.**: The underlying can be structured around BTC, ETH, or other major digital assets, or tailored using currency pairs. - **Flexible. Defined at inception.**: Investment horizons are defined at the time of structuring based on the client's objectives. #### Yield Strategies Yield-based structured products are income-generating instruments that capitalise on digital asset market structure and volatility to deliver attractive returns. They are designed to achieve superior risk-adjusted outcomes compared to traditional fixed income, by monetising the volatility premium embedded in digital asset markets. - **Volatility premium, not directional bet.**: Returns are generated from the structural volatility premium in digital asset markets, a source of yield that is structurally uncorrelated to whether the underlying asset appreciates or depreciates over the period. - **Lower risk than direct crypto spot. By design.**: Yield strategies are built to deliver superior risk-adjusted returns compared to traditional assets, with meaningfully lower risk than direct digital asset exposure. The structure provides defined parameters at inception. - **Outperform traditional fixed income.**: Designed to deliver superior outcomes compared to traditional fixed income instruments, leveraging the specific market structure of digital asset markets that traditional asset classes do not offer. #### Institutional service. Human scale. **01. Introductory call** A conversation with the ARP Digital Wealth team to understand your investment goals, existing portfolio, and objectives. **02. Onboarding & KYC** ARP guides you through a fully compliant, legally required KYC process. The team handles the documentation and keeps the process moving. **03. Risk profiling** A dedicated risk profiling conversation - your investment horizon, risk appetite, liquidity requirements, and market outlook. **04. Portfolio setup** ARP's wealth team constructs an investment solution tailored to your profile - fund allocation, structured product design, or a combination of both. #### Digital Token Fund Managed by ARP Global Capital A high-conviction, actively managed strategy that invests in mid- and large-cap liquid digital assets with strong token economics, selected thematically based on prevailing market narratives. ## Legal — BSC ### Disclaimer URL: https://www.arpdigital.io/en/legal/bsc/disclaimer ARP Digital — Version 1.0 — Last Updated: October 17th, 2023 #### Information Purposes Only This material is strictly for information purposes only, and does not constitute or shall not be considered as, an offer, solicitation, or recommendation, to deal in any products. The information provided is not intended to provide a sufficient basis on which to make an investment decision. It is intended only to provide observations and views of certain personnel and has not been reviewed by any regulators elsewhere, which may be different from, or inconsistent with, the observations and views ARP Digital. #### No Liability ARP Digital assumes no obligation to update or otherwise revise this material, ARP Digital does not represent or warrant its accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes or from the use of information presented in this material. Contents in any third party sources (if any) in this material are completely beyond the control of ARP Digital. As such, ARP Digital shall not be held responsible for the accuracy, completeness and legality of the contents of such third-party contents. Any reference to third-party contents does not imply an endorsement, representation or warranty by ARP Digital. No liability will be accepted for any loss or damage arising from or in reliance upon the contents of this material or these independent third-party contents provided here. This material is not directed to or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject ARP Digital to any registration or licensing requirement within such jurisdiction. #### Limitations This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view. Any headings are for the convenience of reference only and shall not be deemed to modify or influence the interpretation of the information contained. #### Reproduction All rights reserved. This material is not to be reproduced, in whole or part, without the written consent of ARP Digital. ### Privacy Policy URL: https://www.arpdigital.io/en/legal/bsc/privacy-policy ARP Digital — Version 1.0 — Last Updated: 17 October 2023 #### 1. Why are you seeing this notice? You may need to provide Personal Data to us as part of your investment into a fund or other investment vehicle (as applicable, the Fund) managed or advised by investment advisers or management companies that are subsidiaries of ARP Digital Management or its affiliates (and, where applicable, the general partner of the relevant Fund) (collectively, ARP Digital). We want you to understand how and why we use, store, and otherwise process your Personal Data when you deal with us or our relevant affiliates (including under applicable data protection laws). If this notice (the Data Privacy Notice) has been made available to you, you may have certain rights with respect to your Personal Data under applicable data protection laws (including as described in this Data Privacy Notice). “Personal Data” has the meaning given to it under data protection laws that apply to our processing of your personal information, and includes any information that relates to, describes, identifies or can be used, directly or indirectly, to identify an individual (such as name, address, date of birth, personal identification numbers, sensitive personal information, and economic information). We ask that investors promptly provide the information contained in this Data Privacy Notice to any individuals whose Personal Data they provide to the Fund or its affiliates in connection with ‘know your client’/anti-money laundering requests or otherwise. Please read the information below carefully. It explains how and why Personal Data is processed by us. #### 2. Who is providing this notice? ARP Digital is committed to protecting and respecting your privacy. For transparency, the ARP Digital entities on whose behalf this privacy statement is made are (i) the Fund; and (ii) where applicable, the ARP Digital general partner, manager and/or investment adviser of the relevant Fund, in each case, with which you contract, transact or otherwise share Personal Data (together, the Fund Parties). Where we use the terms “we”, “us” and “our” in this Data Privacy Notice, we are referring to the Fund and the Fund Parties. Please consult your subscription documents, private placement memorandum or other offering documentation provided to you by or on behalf of the Fund Parties which will further specify the entities and contact details of the Fund Parties relevant to our relationship with you. We welcome investors and their representatives to contact us if they have any queries with respect to the Fund Parties (in particular, which Fund Parties are relevant to their relationship with ARP Digital). When you provide us with your Personal Data, each Fund Party that decides how and why Personal Data is processed may be acting as a “data controller”. In simple terms, this means that the Fund Party makes certain decisions on how to use and protect your Personal Data - but only to the extent that we have informed you about the use or are otherwise permitted by law. Where your Personal Data is processed by an entity controlled by, or under common control with, the ARP Digital entity/ies managing a Fund for its own purposes, this entity will also be a data controller. #### 3. What Personal Data do we collect about you? The types of Personal Data that we collect and share depends on the product or service you have with us and the nature of your investment. The Personal Data collected about you will help us to provide you with a better service and facilitate our business relationship. We may combine Personal Data that you provide to us with Personal Data that we collect from you, or about you from other sources, in some circumstances. This will include Personal Data collected in an online or offline context. As a result of our relationship with you as an investor, in the past 12 months we may have collected Personal Data concerning you in the following categories: - Identifiers - real name, alias, postal address, email address, social security or driver’s license number, government ID, signature, telephone number, education, employment, employment history, financial information (including tax-related information/codes and bank account details), information used for monitoring and background checks to comply with laws and regulations (including ‘know your client’, anti-money laundering, and sanctions checks), online registration details, and other contact information. - Sensitive/protected characteristic information - age/date of birth, nationality, citizenship, country of residence, gender, and other information used to comply with laws and regulations. - Commercial information - assets, income, transaction and investment history, accounts at other institutions, financial positions/returns, information concerning source of funds and any applicable restrictions on your investment such as political exposure or sanctions. - Internet or other network activity - browsing or search history, information regarding interaction with an internet website, application, or advertisement, online identifiers such as cookies. - Sensory and surveillance data - recordings of telephone calls where permitted or required by law, video (surveillance) recordings, closed-circuit television (CCTV) images and recordings, and other records of your interactions with us or our service providers, including electronic communications. - Professional or employment-related information - current or past job history. - Inferences drawn from other personal information - profiles reflecting preferences and trends, based on information such as assets, investment experience, risk tolerance, investment activity, and transaction history. #### 4. Where do we obtain your Personal Data? We collect, and have collected, Personal Data about you from a number of sources, including from you directly. ### Personal Data that you give us - From the forms and any associated documentation that you complete when subscribing for an investment, shares, interests, and/or opening an account with us. This can include information about your name, address, date of birth, passport details or other national identifier, driving license, your national insurance or social security number and income, employment information and details about your investment or retirement portfolio(s), and financial-related data (such as returns and financial positions). - When you provide it to us in correspondence and conversations, including electronic communications such as email and telephone calls. - When you make transactions with respect to the Fund. - When you interact with our online platforms and websites. - When you purchase securities from us and/or tell us where to send money. - From cookies, web beacons, and similar interactions when you or your devices access our sites. ### Personal Data that we obtain from others We obtain Personal Data from: - Publicly available and accessible directories and sources. - Bankruptcy registers. - Tax authorities, including those that are based outside the territory in which you are located or domiciled, including the Cayman Islands, the United Kingdom (UK) and the European Economic Area (EEA), if you are subject to tax in another jurisdiction. - Governmental and competent regulatory authorities to whom we have regulatory obligations. - Credit agencies. - Fraud prevention and detection agencies / organizations. - Transaction counterparties. #### 5. Why do we process your Personal Data? We may process or disclose your Personal Data for the following reasons: ### Contract It is necessary to perform our contract with you to: - Administer, manage and set up your investor account(s) to allow you to purchase your holding (of shares or interests) in our Funds. - Meet the resulting contractual obligations we have to you. - Facilitate the continuation or termination of the contractual relationship between you and the Fund. - Facilitate the transfer of funds, and administering and facilitating any other transaction, between you and the Fund. ### Compliance with law It is necessary for compliance with an applicable legal or regulatory obligation to which we are subject, in order to: - Undertake our client and investor due diligence, and on-boarding checks. - Carry out verification, ‘know your client’, terrorist financing, sanctions, and anti-money laundering checks. - Verify the identity and addresses of our investors (and, if applicable, their beneficial owners). - Comply with requests from regulatory, governmental, tax and law enforcement authorities. - Carry out surveillance and investigations. - Carry out audit checks. - Maintain statutory registers. - Prevent and detect fraud. - Comply with sanctions requirements. ### Legitimate Interests For our legitimate interests or those of a third party (such as a transaction counterparty or lender) to: - Manage and administer your holding in any Funds in which you are invested, and any related accounts on an ongoing basis. - Assess and process any applications or requests made by you. - Open, maintain or close accounts in connection with your investment in, or withdrawal from, the Fund scheme. - Send updates, information and notices or otherwise correspond with you in connection with your investment in the Fund scheme. - Address or investigate any complaints, claims, proceedings or disputes. - Provide you with, and inform you about, our investment products and services. - Monitor and improve our relationships with investors. - Comply with applicable prudential and regulatory obligations, including anti-money laundering, sanctions and ‘know your client’ checks. - Assist our transaction counterparties to comply with their regulatory and legal obligations (including anti-money laundering, ‘know your client’, terrorist financing, and sanctions checks). - Manage our risk and operations. - Comply with our accounting and tax-reporting requirements. - Comply with our audit requirements. - Assist with internal compliance with our policies and processes. - Ensure appropriate group management and governance. - Keep our internal records. - Prepare reports on incidents/accidents. - Protect our business against fraud, breach of confidence, theft of proprietary materials, and other financial or business crimes (to the extent that this is not required of us by law). - Analyze and manage commercial risks. - Seek professional advice, including legal advice. - Enable any actual or proposed assignee or transferee, participant or sub-participant of the partnership’s or Fund vehicles’ rights or obligations to evaluate proposed transactions. - Facilitate business asset transactions involving the Fund partnership or Fund-related vehicles. - Monitor communications to/from us using our systems. - Protect the security and integrity of our information technology systems. - Protect the security and safety of our buildings and locations where we operate. - Operate, run, and schedule online meetings, webinars and conferences (for example, using Zoom and other online meeting platforms). - Manage our financing arrangements with our financiers and financing transaction counterparties, including payment providers, intermediaries, and correspondent/agent banks. - Monitor the operation of Fund distribution platforms, where these are operated by third parties or service providers. We only rely on these interests where we have considered that, on balance, the legitimate interests are not overridden by your interests, fundamental rights or freedoms. #### 6. Who we share your Personal Data with Your Personal Data will be shared with: ### Fund Associates We share your Personal Data with our associates, related parties and members of our group. This is: - To manage our relationship with you. - For the legitimate interests of a third party in carrying out anti-money laundering, ‘know your client’, and other compliance checks required of them under applicable laws and regulations. - For the purposes set out in this Data Privacy Notice. ### Fund Managers, Depositories, Administrators, Custodians, Distributors, Investment Advisers - Delivering the services you require. - Managing your investment. - Supporting and administering investment-related activities. - Complying with applicable investment, anti-money laundering and other laws and regulations. ### Tax Authorities - To comply with applicable laws and regulations. - Where required or requested by tax authorities in the territory in which you are located or domiciled (in particular, Cayman Island or UK/EEA tax authorities) who, in turn, may share your Personal Data with foreign tax authorities. - Where required or requested by foreign tax authorities, including outside of the territory in which you are located or domiciled (including outside the Cayman Islands or UK/EEA). ### Service Providers - Delivering and facilitating the services needed to support our business relationship with you (including cloud services). - Supporting and administering investment-related activities. - Where disclosure to the service provider is considered necessary to support ARP Digital with the purposes described in section 5 of this Data Privacy Notice. ### Financing Counterparties, Lenders, Correspondent and Agent Banks - Assisting these transaction counterparties with regulatory checks, such as ‘know your client’, and anti-money laundering procedures. - Sourcing credit for Fund-related entities in the course of our transactions and fund life cycles. ### Our Lawyers, Auditors and other Professional Advisers - Providing you with investment-related services. - To comply with applicable legal and regulatory requirements. - Supporting ARP Digital with the purposes described in section 5 of this Data Privacy Notice. - Monitoring as described in ‘Legitimate Interests’ above. We monitor communications where the law requires us to do so. We will also monitor where we are required to do so to comply with regulatory rules and practices and, where we are permitted to do so, to protect our business and the security of our systems. In exceptional circumstances, we will share your Personal Data with: - Competent regulatory, prosecuting and other governmental agencies or litigation counterparties, in any country or territory. - Other organizations and agencies - where we are required to do so by law. We have not sold Personal Data in the 12 months preceding the date of this Data Privacy Notice. #### 7. Do you have to provide us with this Personal Data? Where we collect Personal Data from you, we will indicate if: - Provision of the Personal Data is necessary for our compliance with a legal obligation; or - It is purely voluntary and there are no implications for you if you do not wish to provide us with it. Unless otherwise indicated, you should assume that we require the Personal Data for business and/or compliance purposes. Some of the Personal Data that we request is necessary for us to perform our contract with you and if you do not wish to provide us with this Personal Data, it will affect our ability to provide our services to you and manage your investment. #### 8. Sending your Personal Data Internationally We may transfer your Personal Data between different countries to recipients in countries other than the country in which the information was originally collected (including to our affiliates and group members, members of the Fund’s partnership, transaction counterparties, and third-party service providers). Where you are based in the UK, the EU, or another country which imposes data transfer restrictions outside of its territory, this includes transfers outside of the UK and the European Economic Area (“EEA”) or that geographical area, to those countries in which our affiliates, group members, service providers and business partners operate. Those countries may not have the same data protection laws as the country in which you initially provided the information. Where we transfer Personal Data outside of the UK, the EEA, or other territories subject to data transfer restrictions to other members of our group, our service providers or another third party recipient, we will ensure that our arrangements with them are governed by data transfer agreements or appropriate safeguards, designed to ensure that your Personal Data is protected as required under applicable data protection law (including, where appropriate, under an agreement on terms approved for this purpose by the European Commission or by obtaining your consent). #### 9. Consent - and Your Right to Withdraw It Except as may otherwise be required by local law, we do not generally rely on obtaining your consent to process your Personal Data. In particular, we do not generally rely on obtaining your consent where our processing of your Personal Data is subject only to the data protection laws of the United Arab Emirates (in these circumstances we will usually rely on another legal basis more appropriate in the circumstances, including those set out in “Why do we process your Personal Data?” above). If we do rely on consent for processing of your Personal Data, you have the right to withdraw this consent at any time. Please contact us or send us an email at legal@arpdigital.io at any time if you wish to do so. Where required by applicable law, we will obtain your consent for the processing of your Personal Data for direct marketing purposes. If you do receive direct marketing communications from us (for example, by post, email, fax or telephone), you may opt-out by clicking the link in the relevant communication, completing the forms provided to you (where relevant), or by contacting us (see the ‘Contact’ section for details). #### 10. Retention and Deletion of your Personal Data We keep your Personal Data for as long as it is required by us for our legitimate business purposes, to perform our contractual obligations or, where longer, such longer period as is required or permitted by law or regulatory obligations which apply to us. We will generally: - Retain Personal Data about you throughout the life cycle of any investment you are involved in; and - Retain some Personal Data after your relationship with us ends. As a general principle, we do not retain your Personal Data for longer than we need it. We will usually delete your Personal Data (at the latest) after you cease to be an investor in any fund and there is no longer any legal / regulatory requirement, or business purpose, for retaining your Personal Data. #### 11. Your Rights You may, subject to certain limitations, have data protection rights depending on the data protection laws that apply to our processing of your Personal Data, including the right to: - Access your Personal Data, and some related information, including the purpose for processing the Personal Data, the categories of recipients of that Personal Data to the extent that it has been transferred internationally, and, where the Personal Data has not been collected directly from you, the source (the category information). - Restrict the use of your Personal Data in certain circumstances. - Have incomplete or inaccurate Personal Data corrected. - Ask us to stop processing your Personal Data. - Require us to delete your Personal Data in some limited circumstances. You also have the right in some circumstances to request us to “port” your Personal Data in a portable, re-usable format to other organizations (where this is possible). #### 12. Concerns or Queries We take your concerns very seriously. We encourage you to bring to our attention any concerns you have about our processing of your Personal Data. This Data Privacy Notice was drafted with simplicity and clarity in mind. We are, of course, happy to provide any further information or explanation needed. Please see the ‘Contact’ section for details. Please also contact us via any of the contact methods listed below if you have a disability and require an alternative format of this Data Privacy Notice. #### 13. Contact Us Please contact us if you have any questions about this Data Privacy Notice or the Personal Data we hold about you. Contact us by email at contact@arpdigital.io #### 14. Changes to this Data Privacy Notice We keep this Data Privacy Notice under regular review. Please check regularly for any updates at our investor portal. ### Risk Disclosure Statement URL: https://www.arpdigital.io/en/legal/bsc/risk-disclosure-statement ARP Digital — Version 1.0 — Effective 21 April 2026 #### Introduction Before trading or investing in Virtual Assets through ARP’s products and services, please carefully review this Risk Disclosure Statement. It outlines the general and specific risks associated with Virtual Assets. By accessing or using ARP’s platform, you acknowledge and accept these risks. #### General Risks of Virtual Asset Trading Trading and investing in Virtual Assets is highly speculative and complex, involving significant financial risks, including but not limited to: - Market Volatility: The value of Virtual Assets can fluctuate rapidly, potentially resulting in the loss of your entire investment. - Cybersecurity Threats: Virtual Assets and their underlying networks are vulnerable to hacking, fraud, and market manipulation. - Regulatory Uncertainty: Regulations governing Virtual Assets are evolving, and legal or regulatory changes may impact their use, transfer, exchange, or value. - Lack of Consumer Protections: Virtual Assets are not legal tender and are not backed or insured by any government or financial institution. - Personal Responsibility: You are solely responsible for understanding the risks associated with Virtual Assets and related technologies. Consult financial, legal, or tax professionals to determine whether trading or investing in Virtual Assets aligns with your financial condition and risk tolerance. #### Key Risks Associated with Virtual Assets ### Legal and Regulatory Risks - Virtual Assets are not considered legal tender and do not have the same protections as traditional financial instruments. - Regulatory actions, government restrictions, or policy changes may affect the value, liquidity, or legality of Virtual Assets. ### Market and Liquidity Risks - Virtual Asset prices are highly volatile and can experience significant gains or losses within short periods. - There is no guarantee of liquidity; you may not be able to sell or exchange Virtual Assets when desired. - Digital Asset prices on the secondary market are driven by supply and demand and may be highly volatile. Limited liquidity may make it difficult or impossible to exit a position when desired. ### Counterparty Risk - You may be exposed to counterparty risk when using ARP’s services, including market makers, liquidity providers, and payment processors. - Borrowers may default on repayment obligations, delaying the redemption of deposits in certain products. ### Security and Fraud Risks - Virtual Assets are vulnerable to hacks, cyber-attacks, fraud, and security breaches. - Loss of private keys, phishing attacks, or other security failures can result in the permanent loss of Virtual Assets. - Transactions are irreversible, and losses due to fraud, errors, or unauthorized access may not be recoverable. - Digital Assets are inherently exposed to cybersecurity risks. While ARP takes reasonable measures to safeguard assets, no system can fully eliminate security risks. ### Network and Operational Risks - Virtual Asset transactions occur on decentralized networks, which may experience congestion, delays, or failures. - ARP’s platform relies on technology that may be subject to outages, disruptions, or technical failures affecting access, trading, or transfers. - There is no guarantee that ARP’s services will always be available. Unplanned service outages, network congestion, or system failures may prevent you from buying, selling, or transferring Digital Assets when desired. ### Third-Party Risks - Third parties such as payment providers, custodians, and banking partners may be involved in the provision of ARP’s services. - You may be subject to their terms and conditions, and ARP is not responsible for any loss arising from third-party service providers. ### Transparency and Privacy Risks - Transactions may be recorded on a public ledger, affecting anonymity and privacy. - The future acceptance and adoption of Virtual Assets for transactions are not guaranteed, and different assets may have varying degrees of technological, governance, and market risks. #### Independent Investment Decisions - ARP does not provide investment advice, endorse specific Virtual Assets, or recommend trading strategies. - You are solely responsible for making investment decisions based on your personal financial objectives and risk tolerance. #### Risk Disclosures for Specific Virtual Assets ARP conducts due diligence before listing any Virtual Asset; however, risks may evolve over time. It is essential to conduct your own research and understand the risks associated with any Virtual Asset before trading or investing. This disclosure is not exhaustive, and additional risks may exist beyond those outlined in this statement. By proceeding with Virtual Asset transactions on ARP’s platform, you acknowledge and accept the risks described above. ### Terms and Conditions URL: https://www.arpdigital.io/en/legal/bsc/terms-and-conditions ARP Digital — Version 1.0 — Last Updated: 17 October 2023 #### 1. Introduction By accessing or using this website (the “Site”) of ARP Digital and its affiliates (collectively, “ARP Digital”), you hereby accept and agree to comply with these Terms and Conditions of Use. You acknowledge your understanding that these Terms and Conditions of Use constitute a binding agreement between you and ARP Digital (sometimes referred to as “we” or “us”) that governs your access and use of the Site, which includes any images, text, illustrations, designs, icons, photographs, programs, music clips, downloads, systems and methods of trading, video clips, graphics, user interfaces, visual interfaces, information, data, tools, products, written materials, services and other content (together, “Content”), including but not limited to the design, structure, selection, coordination, expression and arrangement of the Content available on or through the Site. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE SITE. EACH TIME YOU USE THE SITE, YOUR USE INDICATES YOUR FULL ACCEPTANCE OF AND AGREEMENT TO ABIDE BY THESE TERMS AND CONDITIONS IN CURRENT FORM. IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS STATED HEREIN, DO NOT USE THE SITE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE, YOU AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOUR COMPLIANCE WITH THESE TERMS AND CONDITIONS OF USE AND ALL OTHER RULES, PROCEDURES, POLICIES, TERMS AND CONDITIONS THAT GOVERN ALL OR ANY PORTION OF THE SITE IS A CONDITION TO YOUR RIGHT TO ACCESS THE SITE. YOUR BREACH OF ANY PROVISION OF THESE TERMS AND CONDITIONS OF USE OR OTHER RULES, PROCEDURES, POLICIES, TERMS AND CONDITIONS THAT GOVERN ALL OR ANY PORTION OF THE SITE WILL AUTOMATICALLY, WITHOUT THE REQUIREMENT OF NOTICE OR OTHER ACTION, REVOKE AND TERMINATE YOUR RIGHT TO ACCESS THE SITE AND YOU WILL BE FULLY LIABLE FOR CONVERSION, MISAPPROPRIATION, TRESPASS TO CHATTELS AND ALL OTHER CLAIMS AND CAUSES, REGARDLESS OF THE IDENTITY OF CLAIMANT OR INJURED PARTY, ARISING FROM OR RELATING TO YOUR CONTINUED USE OF THE SITE AFTER SUCH BREACH. #### 2. Limited Right to Use ARP Digital grants you a limited right to use the Site. Your right to use the Site is subject to your agreement to abide by these Terms and Conditions of Use in their entirety, as well as any other rules, procedures, policies, terms or conditions that govern all or any portion of the Site. At any time and for any reason ARP Digital may revoke your right to use all or any portion of the Site. #### 3. Updates to the Site ARP Digital reserves the right to make changes to the Site and these Terms and Conditions of Use at any time without prior notice to you. For this reason, each time you use the Site, you should visit and review the then-current Terms and Conditions of Use that apply to your use of the Site. #### 4. Site Security You may not violate or attempt to violate the security of the Site. Tampering with any portion of the Site, providing untruthful or inaccurate information, misrepresenting your identity, or conducting fraudulent activities on the Site, whether or not through the use of agents, are prohibited and constitute a breach of these Terms and Conditions of Use. You are prohibited from violating or attempting to violate the security of the Site, including, without limitation: - Accessing data not intended for you or logging onto a server or an account which you are not authorized to access; - Disabling, removing, defeating, or avoiding any security device or system, including, without limitation, any password and login functionality used to authenticate users; - Attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; - Attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, “flooding,” “spamming,” “mailbombing” or “crashing”; - Sending unsolicited email, including promotions and/or advertising of products or services; - Forging any TCP/IP packet header or any part of the header information in any email or posting; - Using or attempting to use any engine, software, tool, agent or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site other than the search engine and search agents available on the Site and other than generally available third party web browsers; - Reverse engineering, decompiling or disassembling the underlying software; - Removing any notices, warnings, labels, annotations or instructions from any portion of the Site or any related material, including, without limitation, any patent, trademark, copyright, or other proprietary notices or license provisions; or - Otherwise invading the privacy of, obtaining the identity of, or obtaining any personal information about any user of the Site. Any violations of system or network security, including attempts to intentionally access a computer without authorization or exceed your authorized access level, may result in civil and criminal charges, including but not limited to charges under the Computer Fraud and Abuse Act (18 U.S.C. §1030). ARP Digital may investigate occurrences that might involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. We may, without prior notice or warning of any kind, restrict or terminate the access of any and all users to the Site if we reasonably conclude that such restriction or termination is necessary to prevent, or prevent the further spread, of a virus, security breach or system malfunction. #### 5. Ownership of Materials on Site You may download or copy Content only to the extent such download is expressly permitted in writing on the Site. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. You may not reproduce (except as noted above), publish, transmit, distribute, display, modify, create derivative works from, sell or participate in any sale of or exploit in any way, in whole or in part, any of the Content, the Site or any related software. Anything transmitted to the Site by you becomes ARP Digital’s property and may be used by us for any lawful purpose. ARP Digital reserves all rights with respect to copyright and trademark ownership of all material on the Site, and will enforce such rights to the full extent of the law. Unless otherwise noted, all Contents are copyrights, trademarks, trade dress and/or other intellectual property owned, controlled or licensed by ARP Digital or by third parties who have licensed their materials to ARP Digital and are protected by U.S. and international copyright laws. The compilation of all Contents on the Site is the exclusive property of ARP Digital BH and is also protected by U.S. and international copyright laws. #### 6. Cookies We may collect certain aggregate and non-personal information when you visit the Site. We may collect this information through “cookie” technology. Cookies are bits of text that can be placed on your computer’s hard drive when you visit certain websites. Cookies may enhance your online experience by saving your preferences while you are visiting a particular site. The “help” portion of the toolbar on most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies. Remember, though, without cookies, you may not be able to take full advantage of all of the Site features. #### 7. No Offers or Reliance The information on this website is provided for informational purposes only. No Content or other material on the Site shall be used or considered as an offer to sell or a solicitation of any offer to buy the securities or services of ARP Digital or any other issuer. Offers can only be made where lawful under, and in compliance with, applicable law. ARP Digital makes no representations that transactions, products or services discussed on the Site are available or appropriate for sale or use in all jurisdictions or by all investors. Those who access the Site do so at their own initiative and are responsible for compliance with local laws or regulations. While ARP Digital uses reasonable efforts to obtain information from reliable sources, ARP Digital makes no representations or warranties as to the accuracy, reliability or completeness of any information or document at the Site obtained outside of ARP Digital. Certain information on the Site may contain forward-looking statements, which reflect our views with respect to, among other things, our operations and financial performance. Such forward-looking statements are subject to various risks and uncertainties and speak only as of the date on which they are made. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from this indicated in these statements. You can identify these forward-looking statements by the use of words such as “outlook,” “indicator,” “believe,” “expect,” “potential,” “continue,” “may,” “should,” “seek,” “approximately,” “predict,” “anticipate,” “optimistic,” “intend,” “plan,” “estimate,” “aim,” “will” or the negative version of these words or similar expressions. ARP Digital undertakes no obligation to update publicly or revise any information on the Site, whether as a result of new information, future developments or otherwise. Opinions and any other Contents at the Site are subject to change without notice. ARP Digital is not utilizing the Site to provide investment or other advice, and no information or material at the Site is to be deemed a recommendation to buy or sell any securities or is to be relied upon for the purpose of making or communicating investment or other decisions. In addition, no information, Content or other materials contained on the Site should be construed or relied upon as investment, legal, accounting, tax or other professional advice or in connection with any offer or sale of securities. Any transactions listed on the Site are included as representative transactions and are not necessarily reflective of overall performance. ARP Digital does not advise on the tax consequences of any investment. #### 8. Past Performance Past performance is not indicative of future results; no representation is being made that any investment will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. #### 9. No Warranty; Limitation on Liability BY USING THE SITE, YOU EXPRESSLY AGREE THAT SUCH USE IS AT YOUR SOLE RISK. THE SITE AND RELATED SERVICES ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS” BASIS. NEITHER ARP DIGITAL BH NOR ANY OF ITS RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, THIRD-PARTY CONTENT PROVIDERS, DESIGNERS, CONTRACTORS, DISTRIBUTORS, MERCHANTS, SPONSORS, LICENSORS OR THE LIKE (COLLECTIVELY, “ASSOCIATES”) WARRANT THAT USE OF THE SITE OR RELATED SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. NEITHER ARP DIGITAL BH NOR ITS ASSOCIATES WARRANT THE ACCURACY, INTEGRITY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE CONTENT PROVIDED IN THE SITE OR THE MATERIALS OR SERVICES OFFERED IN THE SITE NOW OR IN THE FUTURE. ARP DIGITAL BH AND ITS ASSOCIATES SPECIFICALLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THE SITE, INFORMATION ON THE SITE OR THE RESULTS OBTAINED FROM USE OF THE SITE OR RELATED SERVICES. UNDER NO CIRCUMSTANCES WILL ARP DIGITAL BH OR ITS ASSOCIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER INDIRECT DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, COMMUNICATIONS LINE FAILURE, INTERNET FAILURE OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE SITE, CONTENT, INCONVENIENCE OR DELAY. THIS IS TRUE EVEN IF ARP DIGITAL BH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. Any Content downloaded or otherwise obtained through the Site is done at your own discretion and risk and you are solely responsible for any damage to your computer or other electronic system or loss of data that results from the download of any such Content. The foregoing limitation of liability will apply in any action, whether in contract, tort or any other claim, even if an authorized representative of ARP Digital has been advised of or should have knowledge of the possibility of such damages. #### 10. Warning Regarding Web Fraud and Phishing Our name, brands and reputation may be misused by imposters and frauds publishing fake websites and engaging in “phishing” scams seeking personal or confidential information. When communicating with ARP Digital through digital media, please: - Confirm you are visiting an ARP Digital authorized web site. - Do not share your password and login ID with anyone, including anyone from ARP Digital BH. Certain ARP Digital web sites are private, available only to clients through secure log-in procedures. Apart from allowing you to use your password and log-in to enter an authorized web site, ARP Digital will never ask you for your password or log in information. (If you forget your password or login, we will issue you new ones.) - Do not send e-mails to anyone with an address other than authorized ARP Digital e-mail addresses. ARP Digital only uses “@arpdigital.io” for e-mail addresses. ARP Digital does not permit our employees and authorized representatives to send or receive work related e-mails from personal accounts or any other address. If you have any questions about the above, please contact ARP Digital using our Contact page. #### 11. Termination of Use These Terms and Conditions of Use are effective unless and until terminated by either you or ARP Digital. You may terminate these Terms and Conditions of Use at any time, provided that you discontinue any further use of the Site. We also may terminate these Terms and Conditions of Use, in our sole discretion, at any time and may do so immediately without notice, and accordingly deny you access to the Site. Upon any termination of these Terms and Conditions of Use by either you or us, you must promptly destroy all materials downloaded or otherwise obtained from the Site, as well as all copies of such materials, whether made under these Terms and Conditions of Use or otherwise. #### 12. Indemnification As a condition of your use of the Site, you agree to indemnify and hold ARP Digital and its Associates harmless from and against any and all claims, losses, liability, costs and expenses (including, but not limited, to attorney’s fees), as incurred, arising from your use of the Site or related services or from your violation of these Terms and Conditions of Use. #### 13. Representations and Warranties You represent and warrant that: (i) you have full authority and all rights necessary to enter into and fully perform all of your obligations pursuant to these Terms and Conditions of Use; (ii) you have not and you will not enter into any agreement or perform any act which might contravene the purposes and/or effects of these Terms and Conditions of Use; and (iii) you will not delete any Content. #### 14. Effect on Other Agreements Nothing contained in these Terms and Conditions of Use is intended to modify or amend any other written agreement you may have with ARP Digital (including without limitation any customer agreement, participation agreement or account agreement) (collectively, “Other Agreements”), if any, that may currently be in effect. In the event of any inconsistency between these Terms and Conditions of Use and any Other Agreement, the Other Agreement will govern. Some pages within the Site contain supplemental terms and conditions and additional disclosure and disclaimers, which are in addition to these Terms and Conditions of Use. In the event of a conflict, such supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages. #### 15. Governing Law These Terms and Conditions of Use are governed by the laws of Dubai (except for conflict of law provisions). Any claim related to any dispute arising as a result of the Site or under these Terms and Conditions of Use will be made before a court of competent jurisdiction located in Dubai. If any provision of these Terms and Conditions of Use is held to be unenforceable, such provision will be reformed only to the extent necessary to make it enforceable. The failure of ARP Digital to act with respect to a breach of these Terms and Conditions of Use by you or others does not constitute a waiver and will not limit ARP Digital’s rights with respect to such breach or any subsequent breaches. #### 16. Arbitration By using the Site, you agree that ARP Digital, at its sole discretion, may require you to submit any disputes arising from the use of the Site, related services or these Terms and Conditions of Use concerning or, including disputes arising from or concerning their interpretation, violation, nullity, invalidity, non-performance or termination, as well as disputes about filling gaps in this contract or its adaptation to newly arisen circumstances, to final and binding arbitration under the International Rules of Arbitration of the American Arbitration Association, by one or more arbitrators appointed in accordance with the said rules. Notwithstanding these rules, however, such proceeding shall be governed by the laws of the state as set forth in the previous section. ### Cookies Policy URL: https://www.arpdigital.io/en/legal/bsc/cookies ARP Digital Bahrain B.S.C. (c) — Version 1.0 — Effective 21 April 2026 #### 1. Introduction This Cookies Policy (the “Policy”) is issued by ARP Digital Bahrain B.S.C. (c), Commercial Registration No. 157134, Licensed as Capital Market-Crypto Assets Service Provider (Cat3) and regulated by the Central Bank of Bahrain under licence reference OG/438/2023 (“ARP Digital,” “we,” “us,” or “our”). This Policy explains how ARP Digital uses cookies and similar technologies on our websites, platforms, and digital services (collectively, the “Sites”). It describes the categories of cookies we deploy, the purposes for which we use them, the third parties involved, and the rights available to you to control how your personal data is processed through these technologies. ARP Digital is committed to protecting personal data and to complying with all applicable data protection and privacy laws. Where the legal frameworks governing our activities impose differing or overlapping requirements, ARP Digital applies the stricter standard in favour of the data subject. #### 2. Scope and Application This Policy applies to all visitors to and users of the Sites, including prospective clients, existing clients, counterparties, and members of the public. This Policy does not apply to: - Third-party websites or applications accessed through links from the Sites, which are governed by their own privacy and cookie policies; - Offline processing of personal data by ARP Digital, which is governed by the ARP Digital Privacy Notice; or - Internal processing of employee and contractor personal data, which is governed by the Human Resources Privacy Notice. This Policy should be read together with the ARP Digital Privacy Notice and the Terms of Use of the Sites. #### 3. What Are Cookies Cookies are small text files placed on your device (computer, tablet, or mobile) when you visit a website. They enable the website to recognise your device, remember information about your visit, and provide functionality tailored to you. Cookies may be classified as: - First-party cookies - set directly by ARP Digital. - Third-party cookies - set by external service providers engaged by ARP Digital. - Session cookies - temporary cookies deleted when you close your browser. - Persistent cookies - cookies that remain on your device for a defined retention period. ARP Digital also uses technologies that operate in a manner similar to cookies, including pixels, tags, web beacons, local storage, and software development kit (SDK) identifiers. References to “cookies” in this Policy include these similar technologies. #### 4. Legal and Regulatory Framework This Policy is issued in compliance with the following frameworks: - Kingdom of Bahrain - Personal Data Protection Law No. (30) of 2018 and Ministerial Order No. (48) of 2022 regarding Data Subject Rights. - European Union (where processing is subject to EU law) - Regulation (EU) 2016/679 (the General Data Protection Regulation, the “GDPR”) and Directive 2002/58/EC as amended (the “ePrivacy Directive”). Where the requirements of Bahraini and European law differ, ARP Digital applies the higher standard of protection. In particular: - Explicit, prior, and informed consent is obtained before any non-essential cookie is placed on your device. - ARP Digital does not operate a “cookie wall”: access to the Sites is not conditional upon the acceptance of non-essential cookies. - Consent can be withdrawn at any time, free of charge, and through the same mechanism by which it was given. Detailed regulatory references are set out in Annex A. #### 5. Categories of Cookies We Use ARP Digital groups cookies into four categories. ### 5.1 Strictly Necessary Cookies Required for the Sites to function. They enable core features such as secure log-in, session management, cross-site request forgery (CSRF) protection, load balancing, security, and recording of your consent preferences. These cookies are placed without consent because the Sites cannot operate without them. They do not collect information used for marketing. ### 5.2 Functional Cookies Enable enhanced functionality, such as remembering your language, region, or display preferences. Functional cookies are deployed only with your prior consent. ### 5.3 Analytics and Performance Cookies Collect aggregated and, where possible, anonymised information about how visitors use the Sites (pages visited, time spent, navigation paths, errors encountered). This allows ARP Digital to improve performance and user experience. Analytics cookies are deployed only with your prior consent. ### 5.4 Marketing and Advertising Cookies Used to measure the effectiveness of ARP Digital’s marketing activities, deliver relevant content, and prevent repeated delivery of the same information. Marketing cookies are deployed only with your prior consent and are never used in connection with profiling that has legal or similarly significant effects on you. #### 6. Cookie Inventory The table below sets out the specific cookies currently deployed on the Sites. The inventory is reviewed and updated periodically. The up-to-date list is always available through the cookie preference centre on the Sites. CategoryCookie NameProviderPurposeTypeRetentionStrictly NecessaryARPSESSIONARP Digital (first-party)Session identifier for authenticated browsingSessionUntil browser closeStrictly Necessaryarp_csrfARP Digital (first-party)Cross-site request forgery protectionSessionUntil browser closeStrictly Necessaryarp_consentARP Digital (first-party)Records cookie consent preferencesPersistent12 monthsStrictly Necessary__cf_bm, cf_clearanceCloudflare, Inc.Bot management, security, rate limitingSession / PersistentUp to 30 daysAnalytics_ga, _ga_*, _gidGoogle LLC (Google Analytics 4)Website usage analyticsPersistentUp to 2 yearsMarketingli_sugr, bcookie, lidcLinkedIn Ireland Unlimited CompanyCampaign measurement and attributionPersistentUp to 2 years > This inventory is indicative pending confirmation by ARP Digital’s IT function. Items marked [Verify] must be validated against live site deployment before publication. #### 7. Third-Party Cookies and Processors ARP Digital engages the following categories of third parties whose cookies may be placed on your device: - Security and infrastructure - Cloudflare, Inc. (web application firewall, bot management, content delivery). - Analytics - Google LLC (Google Analytics 4). - Marketing and advertising - LinkedIn Ireland Unlimited Company. Each third party processes personal data in accordance with its own privacy notice. Direct links to those notices are available through the cookie preference centre on the Sites. ARP Digital ensures that all third-party processors engaged for cookie-related processing are bound by written data processing agreements and apply appropriate technical and organisational safeguards consistent with the frameworks referenced in this Policy. #### 8. Consent ### 8.1 When Consent is Required ARP Digital obtains your prior, explicit, and informed consent before placing any cookie on your device other than a Strictly Necessary cookie. ### 8.2 How Consent is Obtained On your first visit to the Sites, and periodically thereafter, you will be presented with a cookie banner. The banner: - Clearly identifies ARP Digital as the data controller; - Describes the categories of cookies used and their purposes; - Offers granular choices by category, with all non-essential categories set to “off” by default; - Presents “Accept All” and “Reject All” options with equal prominence; and - Provides access to further information and to the cookie preference centre. ### 8.3 No Cookie Wall Access to the Sites is not conditioned on the acceptance of non-essential cookies. Selecting “Reject All” or dismissing the banner does not prevent you from using the Sites. ### 8.4 Record of Consent ARP Digital maintains a record of consent decisions, including the date, scope of consent, and the version of this Policy in force at the time of consent. These records are retained for the period set out in Section 14. #### 9. Managing Your Preferences You may manage your cookie preferences at any time through: - The cookie preference centre accessible via the “Cookie Settings” link in the footer of the Sites. - Your browser settings - most browsers allow you to block, delete, or restrict cookies. Please note that disabling Strictly Necessary cookies may prevent certain features of the Sites from functioning. - Industry opt-out mechanisms for online advertising, including the Digital Advertising Alliance (aboutads.info), the Network Advertising Initiative (networkadvertising.org), and, for EU users, Your Online Choices (youronlinechoices.eu). #### 10. Withdrawing Consent You may withdraw your consent to non-essential cookies at any time, free of charge, through the cookie preference centre. Withdrawal is as straightforward as giving consent. Once withdrawn, ARP Digital will cease the relevant processing without undue delay. Withdrawal of consent does not affect the lawfulness of processing carried out on the basis of consent before its withdrawal. Where ARP Digital is permitted or required by law to retain certain data following withdrawal (for example, for record-keeping, regulatory, or legal-defence purposes), that data will be retained only for the period prescribed by law and subject to appropriate security and privacy safeguards. #### 11. Your Rights as a Data Subject Subject to applicable law, you have the right to: - Access - obtain confirmation of whether ARP Digital processes your personal data and receive a copy of that data. - Rectification - have inaccurate or incomplete personal data corrected. - Erasure - request deletion of your personal data where no longer necessary for the purposes for which it was collected, where consent is withdrawn and no other lawful basis applies, or as otherwise permitted by law. - Restriction - request that processing be limited in defined circumstances. - Objection - object to processing, including for direct marketing purposes and, where applicable, profiling. - Data Portability - receive your personal data in a structured, commonly used, machine-readable format and have it transmitted to another controller where technically feasible. - Withdraw Consent - as set out in Section 10. - Not Be Subject to Solely Automated Decisions - as set out in Section 12. - Lodge a Complaint - with the competent supervisory authority (see Section 19). To exercise any of these rights, please contact the Data Protection Officer using the details in Section 18. ARP Digital will respond within the timeframes prescribed by applicable law. A request will not be refused or charged for unless it is manifestly unfounded or excessive, in which case ARP Digital will explain the basis for any such determination. #### 12. Automated Decision-Making ARP Digital does not use cookies to carry out decisions based solely on automated processing that produce legal or similarly significant effects concerning you. Where any such processing is introduced in future, ARP Digital will: - Inform you in advance of the processing, the logic involved, and the significance and envisaged consequences; - Provide a clear electronic mechanism enabling you to raise objections and to request human review; and - Notify you of the outcome of any objection within a reasonable period. #### 13. International Data Transfers Personal data collected through cookies may be transferred to and processed in jurisdictions outside the Kingdom of Bahrain, including the European Economic Area, the United Kingdom, and the United States. Where such transfers occur, ARP Digital ensures that: - The destination jurisdiction provides an adequate level of protection as recognised under applicable law; - Appropriate safeguards are in place (including standard contractual clauses or equivalent mechanisms); or - The transfer is otherwise permitted under an applicable statutory derogation. Details of active transfers and the safeguards in place are available on request from the Data Protection Officer. #### 14. Retention of Data Collected via Cookies Cookie-specific retention periods are set out in Section 6. Data collected through cookies is retained for no longer than is necessary for the purposes described in this Policy, unless a longer retention period is required or permitted by law. Consent records are retained for twenty-four (24) months from the date of the most recent consent action, or for such longer period as required by applicable law. #### 15. Children’s Data The Sites are not directed at persons under the age of eighteen (18). ARP Digital does not knowingly collect personal data from minors through cookies. If ARP Digital becomes aware that personal data of a minor has been collected, that data will be deleted promptly. #### 16. Security ARP Digital maintains appropriate technical and organisational measures to protect personal data collected through cookies against unauthorised access, alteration, disclosure, loss, or destruction. These measures are aligned with the ARP Digital Information Security Framework and are reviewed periodically. #### 17. Changes to This Policy ARP Digital may update this Policy from time to time to reflect changes in its practices, the cookies used, or applicable law. Material changes will be notified through the Sites and, where required, by requesting fresh consent. The version number and effective date appear at the beginning of this Policy. #### 18. Contact - Data Protection Officer To exercise any of the rights described in this Policy, to raise an objection, or to contact ARP Digital on any matter relating to this Policy, please contact: Data Protection Officer Pratik Mohite Lead Infrastructure Engineer & Data Protection Officer ARP Digital Bahrain B.S.C. (c) Flat 1106, Building 155, Road 1703, Block 317 Diplomatic Area, Kingdom of Bahrain Email: pratik@arpdigital.io ARP Digital will acknowledge your request within a reasonable period and respond within the timeframes prescribed by applicable law. #### 19. Supervisory Authorities You have the right to lodge a complaint with the competent supervisory authority if you believe that ARP Digital’s processing of your personal data infringes applicable law. - Kingdom of Bahrain - Personal Data Protection Authority (the administrative functions of which are exercised by the Ministry of Justice, Islamic Affairs and Waqf pursuant to Decree No. 78 of 2019). - European Union - the supervisory authority in your Member State of habitual residence, place of work, or the place of the alleged infringement. Exercising your right to lodge a complaint does not affect any other legal remedy available to you. #### Annex A - Regulatory References FrameworkReferenceRelevanceBahrain PDPLLaw No. (30) of 2018 - Sections 1, 4, 5, 22, 24Lawful bases for processing, consent, data subject rights, automated processingBahrain Data Subject Rights OrderMinisterial Order No. (48) of 2022 - Articles 3, 4, 5, 6, 7Consent format, cookie-wall prohibition, withdrawal of consent, procedures for objection, automated-processing proceduresBahrain PDPA DesignationDecree No. (78) of 2019Designation of administrative authority for data protectionEU GDPRRegulation (EU) 2016/679 - Articles 6, 7, 12–23, 44–49Lawful bases, consent, data subject rights, automated decision-making, international transfersEU ePrivacyDirective 2002/58/EC (as amended) - Article 5(3)Consent requirement for access to information stored on the user’s device ## Legal — FZCO ### Data Privacy & Protection Policy URL: https://www.arpdigital.io/en/legal/fzco/privacy-policy ARP Digital FZCO — Version 1.0 — Last Updated: 14 May 2026 #### 1. Introduction and Policy Statement ARP Digital FZCO (the "Firm") is committed to maintaining the highest standards of data privacy and security. This Data Privacy Policy (the "Policy") establishes the framework for how the Firm collects, processes, stores, and protects Personal Data in the course of its Virtual Asset activities. This Policy is designed to ensure strict compliance with: - VARA Technology and Information Rulebook, specifically Rule II.B (Compliance Programme). - UAE Federal Decree-Law No. (45) of 2021 on the Protection of Personal Data (the "PDPL"). - Applicable international data protection standards where the Firm operates globally. #### 2. Scope and Applicability This Policy applies to all "Personal Data" processed by ARP Digital FZCO regarding: - Clients: Individuals and institutional representatives using the Firm’s services. - Employees: All full-time, part-time, and temporary staff. - Associated Persons: Agents, consultants, and third-party intermediaries. #### 3. Governance and DPO Appointment In accordance with Rule II.B of the VARA Technology and Information Rulebook, ARP Digital FZCO has established a formal Data Protection Compliance Programme: #### 3.1 Data Protection Officer (DPO) The Firm has appointed a Data Protection Officer (DPO) who possesses the requisite competencies and experience to perform statutory duties under Article 11 of the UAE PDPL. - Role: The DPO acts as the primary point of contact for VARA and data subjects regarding data privacy matters. - Independence: The DPO reports directly to Senior Management to ensure independence in monitoring compliance. - As permitted by VARA, this role may be held by the Chief Information Security Officer (CISO) if appropriate. #### 3.2 Data Protection Function The Firm has established a dedicated function responsible for the management and protection of Personal Data. This function is integrated into the Firm's broader Risk and Compliance framework and is responsible for: - Implementing technical and organizational measures to protect data. - Conducting Data Protection Impact Assessments (DPIAs) for high-risk processing activities. - Maintaining the Record of Processing Activities (ROPA). #### 4. Data Collection and Processing The Firm collects and processes Personal Data only for specified, clear, and legitimate purposes, including: - Client Onboarding (KYC/KYB): Collecting identity documents (passports, IDs), biometric data, and corporate affiliations to comply with AML/CFT laws. - Service Provision: Processing wallet addresses, transaction history, and settlement details to execute Virtual Asset transfers. - Regulatory Compliance: Retaining records to satisfy VARA, UAE Financial Intelligence Unit (FIU), and other regulatory reporting obligations. #### 5. Data Security and Storage To comply with VARA Rule I.L regarding client data privacy, the Firm employs a "defense-in-depth" approach to security: - Encryption: All Personal Data is encrypted both in transit (using TLS 1.2+) and at rest (using AES-256 standard). - Access Control: Access to Personal Data is restricted on a "need-to-know" basis, managed via strict Role-Based Access Controls (RBAC) and Multi-Factor Authentication (MFA). - Data Localization: Personal Data is stored on secure servers adhering to UAE data sovereignty requirements where applicable. #### 6. Data Sharing and Transfers The Firm does not sell Personal Data. Data is only shared with: - Service Providers: Third-party processors (e.g., eKYC providers, cloud hosts) who are contractually bound to equivalent data protection standards. - Regulatory Authorities: VARA, Law Enforcement, and other competent authorities upon lawful request. - Cross-Border Transfers: Transfers of data outside the UAE are only conducted to jurisdictions with an adequate level of protection or under standard contractual clauses (SCCs) ensuring safeguards equivalent to the UAE PDPL. #### 7. Data Subject Rights Under the UAE PDPL, individuals have the following rights regarding their Personal Data: - Right to Access: Request a copy of the Personal Data held by the Firm. - Right to Correction: Request correction of inaccurate or incomplete data. - Right to Erasure: Request deletion of data ("Right to be Forgotten"), subject to the Firm’s regulatory record-keeping obligations (e.g., 8-year retention for AML/VARA records). - Right to Restriction: Request the limitation of processing in certain disputes. #### 8. Data Breach Notification In the event of a Personal Data breach (accidental or unlawful destruction, loss, alteration, or unauthorized disclosure), the Firm adheres to strict reporting timelines: 1. Internal Escalation: Any employee who suspects a breach must immediately report it to the DPO. 2. VARA Notification: The DPO shall notify VARA within 24 hours of becoming aware of any incident affecting Personal Data. 3. Regulator Notification: The UAE Data Office will be notified as required under the PDPL. 4. Client Notification: Affected clients will be notified without undue delay if the breach is likely to result in a high risk to their rights and freedoms. #### 9. Contact Information For any inquiries regarding this Policy or to exercise data subject rights, please contact: Data Protection Officer (DPO) Name: Pratik Mohite Email: pratik@arpdigital.io Address: Al Furjan, Dubai, UAE ### Disclaimer URL: https://www.arpdigital.io/en/legal/fzco/disclaimer ARP Digital — Version 1.0 — Last Updated: October 17th, 2023 #### Information Purposes Only This material is strictly for information purposes only, and does not constitute or shall not be considered as, an offer, solicitation, or recommendation, to deal in any products. The information provided is not intended to provide a sufficient basis on which to make an investment decision. It is intended only to provide observations and views of certain personnel and has not been reviewed by any regulators elsewhere, which may be different from, or inconsistent with, the observations and views ARP Digital. #### No Liability ARP Digital assumes no obligation to update or otherwise revise this material, ARP Digital does not represent or warrant its accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes or from the use of information presented in this material. Contents in any third party sources (if any) in this material are completely beyond the control of ARP Digital. As such, ARP Digital shall not be held responsible for the accuracy, completeness and legality of the contents of such third-party contents. Any reference to third-party contents does not imply an endorsement, representation or warranty by ARP Digital. No liability will be accepted for any loss or damage arising from or in reliance upon the contents of this material or these independent third-party contents provided here. This material is not directed to or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject ARP Digital to any registration or licensing requirement within such jurisdiction. #### Limitations This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view. Any headings are for the convenience of reference only and shall not be deemed to modify or influence the interpretation of the information contained. #### Reproduction All rights reserved. This material is not to be reproduced, in whole or part, without the written consent of ARP Digital. ### Risk Disclosure Statement URL: https://www.arpdigital.io/en/legal/fzco/risk-disclosure-statement ARP Digital — Version 1.0 — Effective 21 April 2026 #### Introduction Before trading or investing in Virtual Assets through ARP’s products and services, please carefully review this Risk Disclosure Statement. It outlines the general and specific risks associated with Virtual Assets. By accessing or using ARP’s platform, you acknowledge and accept these risks. #### General Risks of Virtual Asset Trading Trading and investing in Virtual Assets is highly speculative and complex, involving significant financial risks, including but not limited to: - Market Volatility: The value of Virtual Assets can fluctuate rapidly, potentially resulting in the loss of your entire investment. - Cybersecurity Threats: Virtual Assets and their underlying networks are vulnerable to hacking, fraud, and market manipulation. - Regulatory Uncertainty: Regulations governing Virtual Assets are evolving, and legal or regulatory changes may impact their use, transfer, exchange, or value. - Lack of Consumer Protections: Virtual Assets are not legal tender and are not backed or insured by any government or financial institution. - Personal Responsibility: You are solely responsible for understanding the risks associated with Virtual Assets and related technologies. Consult financial, legal, or tax professionals to determine whether trading or investing in Virtual Assets aligns with your financial condition and risk tolerance. #### Key Risks Associated with Virtual Assets ### Legal and Regulatory Risks - Virtual Assets are not considered legal tender and do not have the same protections as traditional financial instruments. - Regulatory actions, government restrictions, or policy changes may affect the value, liquidity, or legality of Virtual Assets. ### Market and Liquidity Risks - Virtual Asset prices are highly volatile and can experience significant gains or losses within short periods. - There is no guarantee of liquidity; you may not be able to sell or exchange Virtual Assets when desired. - Digital Asset prices on the secondary market are driven by supply and demand and may be highly volatile. Limited liquidity may make it difficult or impossible to exit a position when desired. ### Counterparty Risk - You may be exposed to counterparty risk when using ARP’s services, including market makers, liquidity providers, and payment processors. - Borrowers may default on repayment obligations, delaying the redemption of deposits in certain products. ### Security and Fraud Risks - Virtual Assets are vulnerable to hacks, cyber-attacks, fraud, and security breaches. - Loss of private keys, phishing attacks, or other security failures can result in the permanent loss of Virtual Assets. - Transactions are irreversible, and losses due to fraud, errors, or unauthorized access may not be recoverable. - Digital Assets are inherently exposed to cybersecurity risks. While ARP takes reasonable measures to safeguard assets, no system can fully eliminate security risks. ### Network and Operational Risks - Virtual Asset transactions occur on decentralized networks, which may experience congestion, delays, or failures. - ARP’s platform relies on technology that may be subject to outages, disruptions, or technical failures affecting access, trading, or transfers. - There is no guarantee that ARP’s services will always be available. Unplanned service outages, network congestion, or system failures may prevent you from buying, selling, or transferring Digital Assets when desired. ### Third-Party Risks - Third parties such as payment providers, custodians, and banking partners may be involved in the provision of ARP’s services. - You may be subject to their terms and conditions, and ARP is not responsible for any loss arising from third-party service providers. ### Transparency and Privacy Risks - Transactions may be recorded on a public ledger, affecting anonymity and privacy. - The future acceptance and adoption of Virtual Assets for transactions are not guaranteed, and different assets may have varying degrees of technological, governance, and market risks. #### Independent Investment Decisions - ARP does not provide investment advice, endorse specific Virtual Assets, or recommend trading strategies. - You are solely responsible for making investment decisions based on your personal financial objectives and risk tolerance. #### Risk Disclosures for Specific Virtual Assets ARP conducts due diligence before listing any Virtual Asset; however, risks may evolve over time. It is essential to conduct your own research and understand the risks associated with any Virtual Asset before trading or investing. This disclosure is not exhaustive, and additional risks may exist beyond those outlined in this statement. By proceeding with Virtual Asset transactions on ARP’s platform, you acknowledge and accept the risks described above. ## Recent Insights ### What Is a VARA Broker-Dealer Licence? Scope, Limits and What It Permits URL: https://www.arpdigital.io/en/resources/news-insights/vara-broker-dealer-licence Published: 2026-09-04T12:00:00.000Z VARA licenses eight distinct virtual asset activities. What a Broker-Dealer licence permits in Dubai, what it does not, and how to verify one. A VARA Broker-Dealer licence authorises a firm to arrange and execute virtual asset transactions on behalf of clients, including conversion between virtual assets and fiat currency. It is one of eight distinct activity categories VARA licenses separately. It does not authorise custody, operating an exchange, lending, or investment management, each of those requires its own licence. If a counterparty tells you it is "VARA licensed," that statement is incomplete until you know which activities the licence actually covers. ## What is a VARA Broker-Dealer licence? The Dubai Virtual Assets Regulatory Authority was established by Law No. 4 of 2022 Regulating Virtual Assets in the Emirate of Dubai - the Dubai VA Law - to regulate virtual assets and virtual asset service providers. VARA is affiliated to the Dubai World Trade Centre Authority and operates under the Virtual Assets and Related Activities Regulations 2023. A VASP, in VARA's own definition, is an entity authorised by VARA to conduct virtual asset activities in the Emirate. Licensed means holding a valid licence. Broker-Dealer Services is one of the activities VARA licenses. Broadly, it concerns arranging and executing virtual asset transactions on behalf of clients rather than trading purely on a firm's own account. The precise scope is defined in Schedule 1 of the Virtual Assets and Related Activities Regulations 2023 and in the Broker-Dealer Services Rulebook, and any firm assessing whether its own activity falls inside the category should read those rather than a summary of them. The important framing, and the one most firms miss: what matters is not what a business calls itself, but what it actually does. A firm describing itself as an OTC desk, a liquidity provider, a settlement partner or a conversion service may be conducting Broker-Dealer activity regardless of the label. VARA's position is unambiguous — no virtual asset activity is exempt from regulatory supervision, and any entity carrying on a regulated activity in or from Dubai requires a licence before it begins. ## What are the eight VARA licence categories? VARA has identified eight distinct virtual asset activities that define the regulatory perimeter. A VASP applies for one or more of them explicitly. VARA activity categoryAdvisory ServicesBroker-Dealer ServicesCustody ServicesExchange ServicesLending and Borrowing ServicesManagement and Investment ServicesTransfer and Settlement ServicesVA Issuance (Category-1) Source: VARA, Licensed Activities. The full definition of each activity is set out in Schedule 1 of the Virtual Assets and Related Activities Regulations 2023 and in the relevant activity Rulebook. Firms should read the definitions there rather than rely on any summary. Two features of this structure matter when assessing a counterparty. A VASP may hold several activities under one overarching licence, but the aggregation is not unlimited. Where Custody Services are involved, VARA imposes specific requirements to segregate activities and demonstrate independence of governance or arm's-length arrangements. Custody is treated as structurally different because the firm holds client assets. A licence in one category authorises nothing in another. This is the single most useful thing to understand about the framework, and it is why "licensed by VARA" is an incomplete statement. ## What does a Broker-Dealer licence not permit? Being clear about the limits is what makes the permissions meaningful. A firm licensed for Broker-Dealer Services only is not authorised to: - Provide custody services to others. Custody Services is a separate category with its own Rulebook and its own segregation and governance requirements. Where a firm needs custody provided as a service, that must be separately licensed. - Operate an exchange. Running a trading venue that matches buyers and sellers is Exchange Services. - Lend, borrow, or arrange leverage. That is Lending and Borrowing Services. - Manage or invest client assets on a discretionary basis. That is Management and Investment Services. - Issue virtual assets. That is VA Issuance, governed by the VA Issuance Rulebook. There is also an activity-level prohibition worth knowing, because it is absolute rather than a matter of licensing. Anonymity-Enhanced Cryptocurrencies, virtual assets that prevent tracing of transactions or ownership through public ledgers, where the VASP has no mitigating mechanism to allow traceability, cannot be marketed in or targeting the UAE, and any virtual asset activity involving them is strictly prohibited in the Emirate. No licence category permits it. ## What obligations does a licensed Broker-Dealer carry? A licence is not a one-off approval. It places a firm under continuous supervision across two layers of rules. VARA's rules operate on two levels. A set of compulsory Rulebooks applies to every VASP regardless of the activities it holds, covering areas including corporate governance and capital, compliance and risk management, technology and information security, and market conduct. Activity-specific Rulebooks apply on top, for a Broker-Dealer, the Broker-Dealer Services Rulebook. The Rulebooks are published on VARA's website and are revised periodically, so a firm assessing a counterparty, or its own obligations, should work from the current versions rather than a secondary summary. There is a third layer that receives far less attention and applies to every entity marketing in or targeting the UAE, licensed or not. The Regulations on the Marketing of Virtual Assets and Related Activities 2024 define "Marketing" broadly enough to include advertising, social media, and educational content such as articles and presentations. Under those Regulations, marketing of a virtual asset activity may only be carried out by a VASP licensed for that specific activity, or on its behalf with its approval. Fines under the Marketing Regulations reach AED 10 million per violation. The practical read: a firm's licence constrains not only what it may do, but what it may say it does. ## Where does VARA's authority apply, and where does it not? VARA regulates virtual asset activity across all zones of the Emirate of Dubai, including Special Development Zones and Free Zones, but excluding the Dubai International Financial Centre. That exclusion matters. The DIFC is regulated by the Dubai Financial Services Authority under a separate framework. A firm licensed in the DIFC is not VARA licensed, and vice versa. Beyond Dubai, the picture fragments further. Abu Dhabi Global Market operates its own framework through the ADGM Financial Services Regulatory Authority. The Securities and Commodities Authority has federal remit. Bahrain regulates crypto-asset services through the Central Bank of Bahrain under Volume 6 of the CBB Rulebook. So "licensed in the UAE" is not a single claim. It identifies neither the regulator nor the permitted activity, and a counterparty may hold authorisation from a regulator whose remit does not extend to the transaction in question. For a closer comparison of two of these frameworks, see CBB Category 3 vs VARA: What Each Licence Means for Your Payment Provider. ## How do you verify a VARA licence? VARA maintains a public register of licensed entities. Verification takes a few minutes and answers three questions a website cannot: 1. Is the entity on the register, under the exact legal name you are contracting with? 2. Which activity categories does it hold? This is the question that matters most. A firm may be genuinely licensed and still not licensed for what you need. 3. What is the licence status? Licences are subject to conditions and renewal. A claim on a marketing page is not verification. The register is the source, and it is public precisely so counterparties can check. ## Why the activity distinction matters commercially Consider a UAE corporate holding stablecoins that needs dirhams in its bank account. That requirement is a conversion and settlement question. It calls for a counterparty authorised to arrange and execute the conversion — and, depending on the structure, to hold assets during the process. A counterparty licensed for Broker-Dealer Services can arrange and execute. If the arrangement requires custody, that must be separately licensed or provided by a VASP licensed for it. A corporate that asks only "are you VARA licensed?" has not established whether the counterparty can perform the transaction. The better question is: which activities does your licence cover, and does that include what I need done? ## ARP Digital's position ARP Digital FZCO is licensed by the Dubai Virtual Assets Regulatory Authority to provide Broker-Dealer Services in Dubai, under VASP Reference VL/26/07/03. The licence covers digital asset and stablecoin conversion into UAE dirham for UAE-domiciled corporates, capital markets participants and qualified investors. Separately, ARP Digital Bahrain B.S.C. (Closed) holds a CBB Category 3 licence in Bahrain — Capital Markets Crypto-Asset Service Provider, per Rule CRA-1.1.13 of the CBB Rulebook. Two entities, two regulators, two frameworks. That distinction is worth making explicit, because it applies to any group operating across the Gulf. A licence is held by a specific legal entity in a specific jurisdiction. Confirming which entity you are contracting with is part of the same check as confirming which activities the licence covers. ARP Digital FZCO is one of a number of firms holding a VARA Broker-Dealer licence. The public register lists them, and any counterparty assessment should begin there rather than with a provider's own description of itself. For how conversion into AED works in practice, see ARP Digital's Receive product. Where the choice of stablecoin arises, see USDT vs USDC: Which Stablecoin Should GCC Businesses Accept?. ARP's own licence announcement is here. #### Frequently Asked Questions **What is a VARA Broker-Dealer licence? ** An authorisation from Dubai's Virtual Assets Regulatory Authority to arrange and execute virtual asset transactions on behalf of clients, including conversion between virtual assets and fiat currency. It is one of eight activity categories VARA licenses separately. **How many VARA licence categories are there?** Eight: Advisory, Broker-Dealer, Custody, Exchange, Lending and Borrowing, Management and Investment, Transfer and Settlement, and VA Issuance. A VASP applies explicitly for one or more, and a licence in one category does not authorise activity in another. **Is Custody a separate VARA licence from Broker-Dealer? ** Yes. Custody Services is its own activity category with its own Rulebook and its own segregation and governance requirements. VARA treats it as structurally distinct, and a firm providing custody as a service to others requires that licence. **Does a VARA licence cover the whole UAE? ** No. VARA's remit covers all zones of the Emirate of Dubai including free zones, but excludes the Dubai International Financial Centre, which the DFSA regulates. Abu Dhabi Global Market and the federal Securities and Commodities Authority operate separate frameworks. **How do I check whether a firm is VARA licensed?** Use VARA's public register. Confirm the exact legal entity name, the specific activity categories held, and the licence status. Firms should publish a VASP reference — ARP Digital FZCO's is VL/26/07/03 — but a claim on a company website is not verification. Check the register. **What law established VARA?** Law No. 4 of 2022 Regulating Virtual Assets in the Emirate of Dubai. VARA operates under the Virtual Assets and Related Activities Regulations 2023 and is affiliated to the Dubai World Trade Centre Authority. **What rules does a licensed VASP have to follow?** A set of compulsory Rulebooks applies to every VASP, covering governance and capital, compliance and risk, technology and information security, and market conduct. Activity-specific Rulebooks apply in addition for each licensed activity. All are published on VARA's website and revised periodically. **Are any virtual assets prohibited outright in Dubai?** Yes. Anonymity-Enhanced Cryptocurrencies, which prevent tracing of transactions or ownership and for which the VASP has no mitigating traceability mechanism, cannot be marketed in or targeting the UAE, and any virtual asset activity involving them is strictly prohibited in the Emirate. ### What Dubai Property Data Says About Overseas Buyers URL: https://www.arpdigital.io/en/resources/news-insights/dubai-property-overseas-buyer-data-2026 Published: 2026-08-28T12:00:00.000Z Foreign investment in Dubai property reached AED 148 billion in Q1 2026, up 26%. What the numbers show about where buyers come from and how they pay. Foreign investors put AED 148.35 billion into Dubai property in the first quarter of 2026 alone, up 26% year on year, across 48,445 separate investments. Nearly 30,000 of the quarter's investors were buying in Dubai for the first time. For an agency or developer, those two figures describe a specific operational reality: most of the money funding Dubai property has to cross a border first, and a growing share of it belongs to someone with no existing relationship with a UAE bank. ## How large is the market, and how fast is it moving? Dubai closed 2025 with 275,442 transactions worth AED 917 billion across all transaction types, a record year. The first quarter of 2026 continued the trajectory. PeriodMeasureFigureQ1 2026Total transaction valueAED 252 billion, up 31% year on yearQ1 2026Transactions completed60,303, up 6%Q1 2026Total investors48,448, up 8%Q1 2026New investors29,312, up 14%Q1 2026Foreign investment valueAED 148.35 billion, up 26%Q1 2026Foreign investments48,445, up 11%Q1 2026GCC national investmentAED 12.23 billion, up 14%H1 2026Property sales86,005 sales worth AED 286.43 billionH1 2026Off-plan salesAED 139.8 billion across 58,800 transactionsH1 2026Ready property salesAED 146.7 billion across 27,200 transactionsFY 2025All transaction types275,442 worth AED 917 billion Sources: Dubai Land Department, reported via Dubai Media Office, Q1 2026; DLD H1 2026 records; DLD full-year 2025 data. Figures are as published and may be revised. Value is growing considerably faster than volume - 31% against 6% in Q1 2026. Average transaction values are rising, which matters for payment: larger sums attract more scrutiny at every bank in the chain and take longer to clear. ## Three things in this data that change how a firm operates ### Foreign money is the market, not a segment AED 148.35 billion of foreign investment in a single quarter, growing at 26%, across 48,445 investments. Every one of those transactions begins with money outside the UAE that has to arrive as cleared dirhams before completion. That is not a marginal operational detail, it is the dominant funding pattern of the market, and it is the stage at which deals most often slip. The GCC figure is worth separating out: AED 12.23 billion from GCC nationals, up 14%. Regional buyers face a shorter, simpler payment path than buyers from South Asia, Europe or Africa. The further the money travels, the more intermediaries it passes and the more documentation it attracts. ### New investors are growing faster than total investors 29,312 new investors, up 14% - against total investor growth of 8%. First-time buyers in Dubai are joining the market faster than the market as a whole is growing. Almost by definition, a first-time investor has no UAE bank account, no established relationship with a local branch, and no prior source-of-funds file sitting with a UAE institution. For a firm, that is a rising proportion of buyers for whom the payment conversation starts from zero. It is also why the question "does this buyer already hold a UAE bank account?" belongs at the point of offer rather than at completion. ### Off-plan means the payment problem repeats In H1 2026, off-plan accounted for 58,800 transactions against 27,200 ready sales, more than twice the deal count, at lower average values. A resale buyer solves the funding problem once. An off-plan buyer solves it at booking, at SPA signing, at every scheduled instalment, at Oqood registration, and again at handover. A route that works once but is slow or uncertain does not work at all for a payment plan running over three years. Around 120,000 units are scheduled for handover in 2026, which increases both completions and the number of individual payment events across the market. ## Where the buyers come from Dubai's buyer base spans more than 200 nationalities, and the composition matters more than the headline number. The largest overseas cohorts reported in early 2026 were Indian buyers at 20.6% of overseas activity, British at 13.3%, Egyptian at 12.6%, American at 9% and Pakistani at 6.9%. (Harbor Real Estate, citing DXBinteract, early 2026) Several of the largest cohorts originate in jurisdictions that operate meaningful restrictions on outbound currency movement. That is not a compliance concern for the agency, but it is a timeline concern: a buyer subject to a remittance ceiling at home may need to structure a purchase across multiple periods or multiple purchasers, and discovering that at completion is expensive. ## What about buyers paying with digital assets? There is no reliable published figure for how much Dubai property is funded from digital assets, and it is worth understanding why before quoting one. Under Federal Decree-Law No. 6 of 2025, the dirham is the legal tender of the UAE and virtual assets are not currency. Every Dubai property transaction registers at DLD in AED. A buyer funding from digital assets converts through a licensed provider first, so what reaches DLD is a dirham transaction indistinguishable from any other. DLD's published data does not include a payment-method field, because payment method is not part of what gets registered. Any percentage claim about crypto's share of the market is therefore an estimate built on something other than official records, usually one firm's own deal flow. Figures do circulate. A widely repeated claim of AED 625 billion in crypto-funded Dubai property in 2024 would, set against a total market of AED 917 billion in 2025, imply digital assets accounted for the majority of all Dubai real estate activity. No regulator, bank or major developer has made that claim. A market with AED 148 billion of quarterly foreign investment and accelerating first-time participation has an obvious cross-border settlement requirement, whatever proportion of it currently runs through digital assets. ## Tokenisation is a different thing These two are routinely conflated, including in careful coverage. Tokenisation represents ownership itself as a digital token, enabling fractional investment. DLD has launched a tokenised property investment initiative and estimates tokenised transactions could reach AED 60 billion by 2033, around 7% of transaction value. Crypto payment means funding a conventional purchase from digital assets. The property registers in AED and the title deed is ordinary. The AED 60 billion projection concerns tokenisation. It is frequently quoted as evidence of crypto payment adoption, different mechanism, different regulatory treatment, different timeline. ## The infrastructure direction The Dubai Cashless Strategy set a target of 90% of transactions across government and private sectors being cashless by the end of 2026, under the D33 Economic Agenda. That deadline is now close, and results against it should be published in due course. VARA licenses virtual asset activity in Dubai on an activity-specific basis and maintains a public register of licensed entities, so a firm can verify a settlement counterparty's authorisation directly rather than relying on a claim. Several major Dubai developers are consistently reported as accepting crypto-funded purchases through licensed intermediaries, though mechanisms differ. Verify acceptance and process directly with the developer. ## What to do with this Ask the payment questions at offer stage. Does the buyer hold a UAE bank account? When does the NOC or reservation expire? Where is the money now, and in what form? Three questions, a few minutes, and they determine whether the transaction has a funding route at all. Treat off-plan differently. A payment plan needs a route that works repeatedly. Establish it before the first instalment, not the third. Use the documented figures. Foreign investment volume, new investor growth, off-plan share - all published, all verifiable, and all supporting the same point without a crypto percentage attached. Track your own numbers. The most reliable data on digital asset demand in your pipeline is the data you collect: how many enquiries arrive from buyers holding digital assets, and how many complete. That is a measurement rather than an estimate. For how a crypto-funded purchase reaches completion, see Accepting Crypto for Dubai Property: From Digital Assets to Manager's Cheque. For the banking constraint that sets the timeline, see Can an Overseas Buyer Get a UAE Bank Account for a Property Purchase?. ARP Digital converts digital assets to AED and settles to UAE accounts, holding a VARA Broker-Dealer licence (Dubai), granted 11 August 2026, covering digital asset and stablecoin conversion into AED for UAE-domiciled corporates, capital markets participants and qualified investors, and a CBB Category 3 licence (Capital Markets Crypto-Asset Service Provider, CRA-1.1.13) in Bahrain. Agencies and developers can find details on ARP Digital's real estate settlement service. #### Frequently Asked Questions **How much foreign investment goes into Dubai property?** Foreign investors placed AED 148.35 billion across 48,445 investments in Q1 2026, up 26% year on year in value and 11% in volume. GCC nationals accounted for a further AED 12.23 billion, up 14%. **How large is the Dubai property market?** Dubai recorded 275,442 transactions worth AED 917 billion across all types in 2025. Q1 2026 reached AED 252 billion across 60,303 transactions, up 31% in value and 6% in volume year on year. **What share of Dubai transactions are off-plan?** In H1 2026, off-plan accounted for AED 139.8 billion across 58,800 transactions, against AED 146.7 billion across 27,200 ready sales, more than twice the deal count at lower average values. **How many first-time investors are entering the Dubai market?** Q1 2026 recorded 29,312 new investors, up 14% year on year, against total investor growth of 8%. First-time buyers are joining faster than the market overall. **How much Dubai property is bought with cryptocurrency?** There is no reliable published figure. DLD registers every transaction in dirhams and does not record how the buyer funded it, so no official denominator exists. Percentage claims in circulation are estimates extrapolated from individual firms' deal flow. **Why doesn't DLD publish crypto transaction data?** Payment method is not part of property registration. Under Federal Decree-Law No. 6 of 2025 the dirham is legal tender and virtual assets are not currency, so crypto-funded purchases convert to AED before registration and appear as ordinary dirham transactions. **Is property tokenisation the same as buying with crypto?** No. Tokenisation represents ownership as a digital token, enabling fractional investment. Crypto payment means funding a conventional purchase from digital assets. DLD's estimate of AED 60 billion in tokenised transactions by 2033 refers to tokenisation. **Where do Dubai's overseas buyers come from?** More than 200 nationalities have purchased through DLD. The largest overseas cohorts reported in early 2026 were Indian at 20.6%, British at 13.3%, Egyptian at 12.6%, American at 9% and Pakistani at 6.9%. ### Can an Overseas Buyer Open a UAE Bank Account? URL: https://www.arpdigital.io/en/resources/news-insights/uae-bank-account-overseas-property-buyer Published: 2026-08-26T12:00:00.000Z Non-residents can usually open a UAE savings account, not a current account. What banks ask for, how long it takes, and why approval is never guaranteed Usually, yes, but it will be a savings account rather than a current account, it requires a visit to a branch in person, minimum balances are high, and approval is at the bank's discretion. For a buyer working against a 30-day NOC, the question is not whether an account is possible but whether it can be opened, funded and cleared inside the deal window. Requirements differ substantially between banks and change without notice. Everything below describes general market practice. Confirm current criteria directly with the institution before relying on any of it. ## What can a non-resident actually open? In practice, a savings or fixed deposit account. Full current accounts, with a personal chequebook, overdraft facility and salary processing, are generally available only to holders of a UAE residence visa. This appears to be bank policy rather than a blanket prohibition, and it is not applied identically everywhere. Some sources describe non-resident current accounts being offered by particular banks at particular minimum balances. Treat "savings only" as the likely outcome rather than a certainty, and ask the specific bank. The banks most commonly cited as considering non-resident personal applications are Emirates NBD, Mashreq, First Abu Dhabi Bank, ADCB, RAKBANK, Dubai Islamic Bank and HSBC UAE. Account features vary more than most guides suggest. Some non-resident accounts come with a debit card, online banking and multi-currency functionality; others are described as basic deposit accounts with limited access. This is worth establishing before an application rather than after, because a buyer who needs to move money in and out on a deadline is poorly served by an account they cannot operate remotely. ## What about a manager's cheque? A Dubai property transfer completes on manager's cheques, so this is the question that matters most, and it is the one on which published guidance is least clear. What is established: non-residents do not receive a personal chequebook. That is consistently reported across sources and is one of the defining limitations of a non-resident account. What is not established: whether a bank will issue a manager's cheque to a non-resident against a cleared balance in a savings account. A manager's cheque is a different instrument — issued by the bank against its own funds rather than drawn from a customer's chequebook — so the absence of a chequebook does not obviously prevent it. But we could not find a bank or regulator stating the position either way, and the two are frequently conflated in general guidance. This should therefore be the first question asked of the bank, before the account route is relied upon: "If I hold cleared dirhams in this non-resident savings account, will you issue manager's cheques to named beneficiaries for a property transfer?" An answer of yes makes the account route viable. An answer of no, or an unclear one, means the funds need to reach the transaction another way regardless of how quickly the account opens. ## What does the bank require? Documentation is heavier than for residents, because the bank is onboarding a customer it cannot verify locally. Commonly requested: - Valid passport, typically with at least six months' validity, and a UAE entry stamp - Proof of address in the home country - Three to six months of bank statements from an existing bank - Evidence of income or source of funds - salary certificate, employment letter, business documents or investment records - A reference letter from an existing bank - Property documentation: a signed Sales and Purchase Agreement, title deed, or proof of ownership - For off-plan, confirmation from the developer and proof of instalment commitments - Some banks request a CV or professional background summary Documents must be in English or Arabic, or accompanied by certified translation. Physical presence is generally required. Most banks conduct face-to-face identity verification for non-resident applications. Some accept an online pre-application, but this typically supplements rather than replaces the branch visit. Limited remote onboarding is reported at certain premium or international tiers for existing clients, the exception rather than the route to plan around. ## What are the minimum balances? Widely variable, and this is where general guidance is least reliable. Reported figures range from roughly AED 3,000 to AED 10,000 for basic tiers at some institutions, through AED 25,000 to AED 100,000 as the more commonly cited band, up to AED 500,000 for premium or priority relationships at certain banks. The spread is wide enough that no single figure is useful. The practical point is that a non-resident minimum is materially higher than a resident equivalent, it varies by bank and by applicant profile, and a high balance does not guarantee approval. Check the bank's published schedule of charges rather than a summary of it. ## How long does it take? Plan on one to two weeks overall, and treat faster as fortunate. StageReported durationDocument preparation and translationSeveral days, before travelBranch appointment and KYC interview30 to 90 minutes, in personCompliance review after the branch visit1 to 5 business daysAccount activation and credentialsSame day to several daysFunding and clearing of the initial transferAdditional days, depending on the sending bank Guidance commonly suggests planning a stay of five to seven working days in the UAE. Individual experience varies considerably, particularly where compliance raises follow-up questions. These are composites drawn from current market guidance rather than published bank service levels. Confirm expected timelines with the bank at application. ## Approval is not guaranteed This is the part most guides underplay, and it is what derails transactions. UAE banking is discretionary. Banks operate under strict compliance obligations and may decline an application at their own discretion even where documentation is complete. There is no entitlement to an account, and declined applications are rarely explained in detail. Applications attract closer scrutiny where the applicant has no existing UAE connection, where the source of wealth is complex or offshore, or where the applicant's home jurisdiction is subject to enhanced due diligence. The KYC interview is substantive. Expect questions on occupation, source of income, purpose of the account, expected transaction volumes and the applicant's connection to the UAE. Vague answers trigger further review. ## What if the buyer's wealth is in digital assets? It complicates the source-of-funds question. It should be planned for rather than discovered at the counter. A bank assessing a salaried applicant can read a salary certificate and six months of statements. A bank assessing an applicant whose declared wealth is in digital assets is being asked to accept a source it cannot verify through the ordinary banking record. Individual institutions take different views, and a buyer should not assume that a bank comfortable with one profile will be comfortable with another. Practically, expect to provide records of how and where the assets were acquired, evidence that the acquiring platform was regulated, and a coherent account of the wealth's origin. Where those records are thin, the application becomes materially harder. ## The sequencing problem There is a circularity that catches buyers who assume residency solves the banking question. Property investment can support a residence visa, commonly a two-year investor visa from around AED 750,000 of property, or a ten-year Golden Visa from around AED 2 million. Confirm current thresholds, which are set by the authorities and revised periodically. A residence visa unlocks full banking: current accounts, chequebooks, mortgage eligibility. But the purchase generally precedes the visa. The buyer needs to complete the transaction to qualify for residency, and needs funds to complete before residency exists. Completion itself therefore has to be funded through non-resident banking, or through another route. For a buyer intending to hold long-term, opening a non-resident account now and converting later is a sensible path. For a buyer facing a 30-day NOC, the sequence does not fit inside the window. ## What this means for the deal window The question is not whether a non-resident can open a UAE bank account. Usually they can. The question is whether the account, the cleared funds and the manager's cheque can all exist before the NOC expires or the reservation lapses, and whether the bank will issue that cheque at all. Set against a 30-day window, the account route consumes most of it, and it carries a real possibility of declined approval with no fallback and no time left to build one. That is why a settlement route matters. A regulated provider converts a buyer's digital assets to dirhams and settles cleared AED into the structure the transaction requires, without the buyer first needing to establish a personal banking relationship in the UAE. The bank still issues the manager's cheque. The buyer will still want an account eventually, for service charges, rental income and ongoing ownership, but completion is not gated on it. Both routes are legitimate. The deal timeline decides which one fits. ## What an agency should ask early Three questions, at the point of offer rather than at completion: 1. Does the buyer already hold a UAE bank account? If yes, most of this disappears. If no, the timeline conversation starts immediately. 2. When does the NOC or reservation expire, and is it extendable? This is the constraint everything else is measured against. 3. Where is the buyer's money now, and in what form? Foreign bank, digital assets, or a mix. The answer determines which route is realistic and how much documentation the buyer needs to assemble. Asking these at the offer stage costs a few minutes. Discovering the answers at completion costs the deal. For the full picture of how a crypto-funded purchase reaches a manager's cheque, see Accepting Crypto for Dubai Property: From Digital Assets to Manager's Cheque. For the receiving-account structures used in cross-border settlement, see What Is a vIBAN and How Does It Work for GCC Businesses?. ARP Digital converts digital assets to AED and settles to UAE accounts, holding a VARA Broker-Dealer licence (Dubai), granted 11 August 2026, covering digital asset and stablecoin conversion into AED for UAE-domiciled corporates, capital markets participants and qualified investors, and a CBB Category 3 licence (Capital Markets Crypto-Asset Service Provider, CRA-1.1.13) in Bahrain. Agencies and developers evaluating a settlement route can speak with the team. #### Frequently Asked Questions **Can a non-resident open a bank account in the UAE?** Usually yes, though generally a savings or fixed deposit account rather than a full current account. Chequebooks, overdrafts and salary processing typically require a UAE residence visa. Availability and features vary by bank. **How long does it take to open a UAE non-resident account?** Commonly one to two weeks overall. The branch visit takes 30 to 90 minutes, compliance review typically runs one to five business days afterwards, and funding and clearing add further time. Guidance frequently suggests planning a stay of five to seven working days. **What is the minimum balance for a non-resident account? ** Reported figures vary widely, from roughly AED 3,000 at some basic tiers, through a more commonly cited AED 25,000 to AED 100,000, up to AED 500,000 for premium relationships. Check the **Can a UAE bank account be opened remotely? ** Generally not. Most banks require face-to-face verification for non-resident applications. Some accept an online pre-application, but it usually supplements rather than replaces the branch visit. Limited remote onboarding exists at certain premium tiers for existing clients. **Can a UAE bank decline a non-resident application? ** Yes. UAE banking is discretionary and banks may decline at their own discretion even where documentation is complete. Applications with no existing UAE connection, or with complex or offshore sources of wealth, attract closer scrutiny. **Does buying property grant UAE residency and full banking access?** Property investment can support a residence visa — commonly a two-year investor visa from around AED 750,000 or a ten-year Golden Visa from around AED 2 million, subject to current thresholds. But the purchase generally precedes the visa, so completion itself must be funded another way. **What if the buyer's funds come from digital assets?** Expect enhanced source-of-funds scrutiny. Banks will want records of how and where the assets were acquired and evidence the platform was regulated. Institutions take different views, and this should be raised at the offer stage rather than at the branch. ### Accepting Crypto for Dubai Property: The Complete Flow URL: https://www.arpdigital.io/en/resources/news-insights/accept-crypto-dubai-property-settlement Published: 2026-08-24T12:00:00.000Z Dubai transfers require manager's cheques in AED. A buyer holding crypto has neither a UAE account nor cleared funds. How that gap actually gets closed. A Dubai property transfer does not complete on a bank transfer. It completes on manager's cheques, bank-guaranteed drafts, issued in dirhams by a UAE bank, made payable to specific named beneficiaries and handed over at the trustee office. A buyer holding digital assets has none of the things required to produce one: no UAE bank account, no cleared AED balance, and often no time before the NOC expires. That gap, not the crypto, not the regulator, is where these deals actually stall. ## Why does a crypto buyer stall at completion? Most published guidance on buying Dubai property with cryptocurrency ends at the same sentence: convert through a licensed intermediary. It is correct and it is useless, because it stops one step before the problem. Here is what completion actually requires. The Dubai Land Department and its trustee offices require payment by manager's cheque, also called a banker's draft or cashier's cheque. It is issued and guaranteed by a UAE bank, drawn against the bank's own funds rather than the customer's, and it cannot bounce. Personal cheques and ordinary bank transfers are not accepted for the transfer itself. For a standard AED 2,000,000 purchase, a buyer typically needs between two and five separate manager's cheques on transfer day, each with a different named beneficiary: - The seller, for the property balance - The Dubai Land Department, for the 4% transfer fee - AED 80,000 on a AED 2m property, plus AED 580 in admin fees - The trustee office, for its service fee - The agency, for commission, where structured that way - The seller's mortgage bank, where there is an outstanding loan to settle To obtain each one, the buyer approaches their UAE bank with the beneficiary name, amount and purpose. The bank verifies the details, secures the funds from a cleared balance, and issues the cheque. They cost roughly AED 25 to 75 each and, critically, UAE banks cannot issue manager's cheques in foreign currency. They are AED only. Now apply that to a buyer whose wealth is in digital assets, held offshore, who may never have set foot in a UAE bank. ## What the crypto buyer is actually missing Three things, in sequence, and each depends on the one before it. A UAE bank account. Manager's cheques are issued by UAE banks to their own customers. A non-resident buyer often does not have an account, and opening one takes time and documentation, assuming the bank will onboard them at all, which is not guaranteed for a customer whose declared source of wealth is digital assets. Cleared AED in that account. The bank secures the funds before issuing. A pending inbound transfer is not a cleared balance. Digital assets sitting in a wallet are not a balance at all. Time. This is what kills the deal. A developer NOC is typically valid for 30 days. Off-plan reservation periods are frequently shorter. The trustee appointment is booked against those windows. Account opening, funding, clearing and cheque issuance all have to complete inside them. A buyer who has the money, wants the property, and cannot produce a manager's cheque before the NOC lapses is not a compliance problem or a credit problem. It is a plumbing problem, and it ends with the sale going to whichever competitor could take the payment. Whether an overseas buyer can open one, and how long it takes, is covered in Can an Overseas Buyer Get a UAE Bank Account for a Property Purchase? Overseas buyers account for the majority of this demand, AED 148.35 billion of foreign investment in Q1 2026 alone, with first-time investors the fastest-growing group. The full picture is in What Dubai Property Data Tells You About Overseas Buyer Demand. ## How off-plan differs Off-plan follows a different rhythm but the same instrument. The purchase runs in stages, booking deposit, SPA signing, scheduled instalments, Oqood registration, final handover payment. At each stage the developer expects payment by manager's cheque made payable to the developer's registered legal entity. The 4% registration fee is payable when the initial contract is registered through the developer's portal, typically within 60 days of signing the SPA. Two consequences follow for a developer's sales operation. The friction repeats. A resale buyer solves the manager's cheque problem once. An off-plan buyer solves it at every instalment for the duration of the payment plan. A funding route that works once but not repeatedly is not a solution. Alternative rails exist but are partial. Developers can collect through the Noqodi Developer Wallet accessible via the Dubai REST app, and DLD fees can be paid through Noqodi, ePay or Dubai Pay. These reduce reliance on paper for some payments. They do not change the underlying requirement that funds arrive as cleared dirhams in a UAE-regulated account. ## Where a regulated settlement counterparty fits The role is narrow and specific, and describing it precisely matters more than describing it enthusiastically. A licensed provider converts the buyer's digital assets to AED and settles cleared dirhams into a UAE account, the receiving structure the transaction requires, whether that is the seller's account, an agency client account, or a developer's collection account. From cleared AED, manager's cheques can be issued in the ordinary way to the ordinary beneficiaries. The provider does not issue the manager's cheque. A UAE bank does. What the provider does is put cleared, documented dirhams into the right account in the right name inside the transaction's timeline. Any provider that claims otherwise misunderstands the instrument. Four properties of that arrangement matter to a firm evaluating it: Settlement in AED to a UAE account. Not a wallet, not a foreign currency balance. The whole point is producing the input a manager's cheque requires. Rate fixed at initiation. The dirham figure is known before the transaction commits, rather than determined afterwards. A buyer whose AED total moves between agreement and completion arrives short, and someone has to cover the gap. A documented trail. Conversion receipt, settlement confirmation, verified identity and source-of-funds records, the file that answers questions from the bank issuing the cheque, from the trustee office, and from the firm's own compliance function. Onboarding inside the deal window. The binding constraint is the NOC or reservation period. A provider whose onboarding takes longer than the window does not solve the problem regardless of its rates. ARP Digital's real estate settlement service sets out how this works for agencies and developers. ## What the firm should ask a provider Six questions. The first two are the ones that actually decide it. 1. How long does buyer onboarding take, from first contact to settled AED? Ask for a range, not a best case. Compare it against a 30-day NOC. This is the question most likely to determine whether a deal closes. 2. Can you settle into the account structure this transaction requires? Seller account, agency client account, developer collection account, or the escrow structure required for off-plan. If off-plan is in scope, confirm this specifically rather than at the point of a live transaction. 3. What licence do you hold, and does it authorise this activity? Virtual asset licences are activity-specific. Ask for the category and verify it on the VARA public register rather than accepting a website claim. 4. When is the conversion rate fixed? Before or after commitment. This determines who carries any movement and whether the buyer arrives short. 5. What documentation do you provide for our file? Conversion receipts, settlement confirmations, source-of-funds records, in a form the firm can retain. 6. What does the conversion actually cost, all in? Rate spread and fees together. Buyers routing through affiliated agents frequently discover the cost only at the end, and it damages the relationship with the firm rather than with the intermediary. ## What this changes for the firm A buyer you can currently only turn away. The constraint has never been demand. It has been that the money cannot be converted into the instrument completion requires, inside the window completion allows. Rate certainty at agreement. The AED figure holds from agreement to cheque issuance. A cleaner file. Documented conversion beats a wallet address and a screenshot when the bank, the trustee office or your own compliance function asks where the funds came from. No change to the transaction itself. Contracts, NOC, trustee appointment, DLD registration and title deed all follow the ordinary process. The firm never holds a digital asset. Under Federal Decree-Law No. 6 of 2025 the dirham is the legal tender of the UAE and virtual assets are not currency, every transaction registers at DLD in AED, always. And the firm's own obligations are unchanged. A UAE real estate brokerage is a Designated Non-Financial Business and Profession with its own anti-money-laundering duties. A regulated counterparty performs its own checks in addition; it does not discharge yours. Any provider suggesting otherwise should be treated with suspicion. ## Working with a licensed counterparty ARP Digital converts digital assets to AED and settles to UAE accounts, holding a VARA Broker-Dealer licence (Dubai), granted 11 August 2026, covering digital asset and stablecoin conversion into AED for UAE-domiciled corporates, capital markets participants and qualified investors, and a CBB Category 3 licence (Capital Markets Crypto-Asset Service Provider, CRA-1.1.13) in Bahrain. ARP converts and settles funds. Title registration, developer completion, escrow and cheque issuance remain with the parties, their banks and DLD. For buyers who want the purchase process from their side, see How to Buy Dubai Real Estate with Cryptocurrency in 2026. For the receiving-account structures used in cross-border settlement, see What Is a vIBAN and How Does It Work for GCC Businesses?. ARP's research on digital asset settlement in UAE property is in the UAE Real Estate & Digital Asset Settlement 2026 Report. Agencies and developers evaluating a settlement route can speak with ARP Digital's team. #### Frequently Asked Questions **Can a buyer pay for Dubai property directly in cryptocurrency?** No. Under Federal Decree-Law No. 6 of 2025 the dirham is the legal tender of the UAE and virtual assets are not currency. Every transaction registers at DLD in AED. Digital assets are converted to dirhams by a licensed provider before settlement, and completion proceeds in AED. **Why does a crypto buyer need a manager's cheque at all?** Because DLD and trustee offices require it. Personal cheques and ordinary bank transfers are not accepted for the transfer itself. A manager's cheque is bank-guaranteed, drawn on the bank's own funds, and issued only against a cleared balance in a UAE account. **How many manager's cheques does a transfer need?** For a standard AED 2,000,000 purchase, typically two to five — the seller, the DLD 4% transfer fee, the trustee office fee, agency commission where applicable, and any outstanding mortgage settlement. Each is made payable to a specific named beneficiary. **Can a manager's cheque be issued in a foreign currency?** No. UAE banks issue manager's cheques in dirhams only. Funds must arrive as cleared AED in a UAE account before a cheque can be drawn. **Does the settlement provider issue the manager's cheque?Does the settlement provider issue the manager's cheque?** No. A UAE bank issues it. The provider converts digital assets to AED and settles cleared funds into the account from which the cheque is drawn. Any provider claiming to issue manager's cheques has misunderstood the instrument. **What is the real deadline on a crypto-funded purchase?** Usually the developer NOC, typically valid for 30 days, or the off-plan reservation period, which is often shorter. Onboarding, conversion, settlement, clearing and cheque issuance all have to complete inside that window. **How does this work for off-plan purchases?** Off-plan payments run in stages, booking deposit, SPA, instalments, Oqood registration, handover, each expecting a manager's cheque payable to the developer's registered legal entity. The funding route needs to work repeatedly, not once, which is why onboarding time matters more for off-plan than for resale. **Does using a regulated provider remove our AML obligations?** No. A UAE brokerage remains a DNFBP with its own due diligence, record-keeping and reporting duties. The provider performs its own checks under its own regulatory obligations, which adds a layer rather than replacing your file.