HOMEPACT / WAYS TO PAY THE 10% DEPOSIT

Homepact never holds your money.

The deposit goes to a licensed partner. Homepact keeps the instruction, the evidence and the audit trail, so everyone in the file can see what was asked, what was paid and who confirmed it.

No payment partner is connected yet: no deposit can be paid through Homepact today.

THREE WAYS TO PAY

Three routes, one destination: escrow.

Each route ends in the same place, in AED. Where a detail depends on a partner who is not appointed yet, this page says so instead of guessing.

01 / BANK TRANSFER

Bank transfer to the escrow account

Who holds the money: The bank that holds the approved escrow account, under the partner arrangement.
How it reaches escrow: You send AED from your own bank account to the escrow account named in your transaction file.
What you need: A bank account in your name, completed identity and source of funds checks, and the beneficiary shown in your file.
Fees and timing: Set by the partner and your bank.
Availability: Not available: no payment partner is connected.

02 / CARD

Card, subject to partner acceptance and limits

Who holds the money: The licensed partner, which settles the AED amount to the escrow account.
How it reaches escrow: You pay on the partner’s own checkout page. The partner then settles to escrow.
What you need: An eligible debit or credit card. Acceptance and limits are set by the partner.
Fees and timing: Set by the partner.
Availability: Not available: no payment partner is connected.

03 / CRYPTO, CONVERTED TO AED

Crypto, converted to AED, then sent to escrow

Who holds the money: The licensed virtual asset provider during conversion, then the escrow account, in AED only.
How it reaches escrow: You convert on the provider’s own interface. The provider sends AED to escrow, or to your bank account for you to transfer.
What you need: An account with the provider and its own checks, proof of where the funds come from, and USDT, USDC, BTC or ETH if the provider accepts them. Dubai properties only.
Fees and timing: Rate, fees and quote validity set by the provider, shown under its name.
Availability: Not available: no payment partner is connected.

CRYPTO: THE FIXED RULES

The provider converts. Escrow receives AED.

These rules apply to every crypto route, whichever provider is appointed.

01Homepact never touches the crypto
Homepact never receives, holds or converts crypto, and never provides a wallet address or asks for wallet keys.
02Conversion happens on the provider’s side
You open your account and place the conversion on the licensed provider’s own interface. Homepact transmits no order.
03No margin, no fee on the conversion
Homepact takes no margin or fee on the conversion. The rate and the fees come from the provider alone.
04Dubai properties only
Crypto conversion is offered only for properties in Dubai.
05The AED received by escrow is what counts
Prices stay in AED. A crypto equivalent is indicative only. A conversion event never counts as an escrow receipt: only the AED amount confirmed by escrow does.

PAY SAFELY

Four rules that protect your deposit.

These rules hold for every route. Homepact will never ask you to break them.

1
Instructions live in your file
Payment instructions only appear inside your transaction file on Homepact, never by phone, e-mail or WhatsApp.
2
No secrets, ever
Homepact never asks for passwords, card codes or wallet seed phrases.
3
A new beneficiary is a red flag
If the beneficiary changes, stop. Do not pay, and contact Homepact from inside your file.
4
Only a signed confirmation counts
A deposit is marked as received only on the partner’s signed confirmation. A screenshot never does.

HOW THE RAIL WORKS

From instruction to evidence.

Homepact coordinates the journey. Contracted PSP, acquirer and banking arrangements are required for any payment to move.

01Payment intent
One amount, one purpose, one reference. A deposit request uses the amount approved against the contract, and repeated submissions keep the same reference. AED deposit orchestration is implemented; USD and other payment purposes require partner integration.
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02Compliance before routing
Identity, business ownership, sanctions, AML and source of funds, fraud, property authority, contract and escrow reviews must hold current evidence before anything is routed. Operator review does not replace the partner’s own controls.
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03Controlled handoff
Routing requires an approved beneficiary. Card, bank transfer and crypto conversion are separate routes, delivered by contracted partners. No customer wallet, custody or acquiring by Homepact.
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04Signed callbacks
Only signed partner events are matched to the request. Crypto conversion is recorded separately from bank receipt.
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05Ledger and reconciliation
Balanced entries record confirmed escrow receipt; they are not customer balances. The owner console compares partner statements, lists unresolved events and exports an audit pack. Homepact does not hold the funds.
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What the rail covers today

Property deposit: AED request and review workflow
Booking and milestones: Partner integration required
Rent and utilities: Billing workflow not activated
USD and local rails: Currency and rail integration required

Check any partner yourself in the CBUAE licence register (opens in a new tab).

Start with the property.

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