FAQ - ELAF Invest

The minimum investment is AED 500 for share-based projects. Some projects may have a higher minimum shown on the project page (e.g. AED 1,000 for larger projects).

4 simple steps:
1. Create your account
2. Verify your identity by uploading your ID (verified within 24-48 hours)
3. Top up your wallet from your bank card
4. Choose a project and invest!

Currently the service is available to UAE residents only. We are working on expanding to GCC countries soon.

Projects include: restaurants, cafes, car washes, supermarkets, gyms, salons, cloud kitchens, and retail stores. All are real UAE businesses that undergo rigorous financial vetting before being listed.

Profits are distributed monthly on the 1st of each month for the previous month, directly to your in-app wallet. You can withdraw them to your bank account anytime.

The average annual return ranges between 13% and 28% depending on the project type and performance. The 2024 overall average was 22%. Returns are not guaranteed.

No, returns are not guaranteed. Investing carries risk and profits may be affected by project performance and market conditions.

Yes! You can use your profits for new investments directly from your wallet without withdrawing first, benefiting from compound returns.

Go to My Wallet > click Withdraw > enter the amount and choose a method > confirm. Bank transfers take 1-3 business days.

The minimum withdrawal is AED 100. There is no maximum. Fees: free for bank transfer, 1.5% for credit cards.

Principal cannot be withdrawn before the project term ends. However, you can sell your share on the secondary market to other investors, with a 1% trading fee.

Yes, ELAF is licensed and regulated by the UAE Securities and Commodities Authority (SCA). License number: SCA-2022-INV-0847.

Investor funds are held in segregated accounts separate from company funds. We use SSL-256 encryption for all transactions, audited quarterly by an independent auditor.

Investor funds are legally protected under UAE law and separated from company assets. In an emergency, a legal liquidator is appointed to protect investor rights and return funds.

Every project goes through 4 verification stages: initial financial screening, field verification, legal document review, and investment committee approval. We reject over 80% of submitted projects.

Share projects: multiple investors fund small shares (from AED 500). Full projects: one or two investors buy the entire project at a higher value.

You can list your share for sale on the secondary market during trading windows open every 6 months. You set the price and it sells once a buyer is found. Trading fee is 1%.

Yes! The ELAF app is available on App Store and Google Play, letting you track your wallet, invest in new projects, and get instant profit notifications.

Go to Settings > Security > Change Password. Enter your current password then the new one.

Reach us via live chat in the app, email support@elaf.ae, or phone 800-ELAF. Support is available 7 days a week, 9am to 9pm.