Buying Property in Dubai with Crypto Part 2/3

Buying Property in Dubai with Crypto (Part 2/3)

Pricing, Hedging & Escrow – What Really Matters

When you buy real estate with crypto, the biggest risk isn’t the asset—it’s the conversion. If you don’t structure pricing and cash flow upfront, you’re gambling on volatility, hidden spreads, and operational delays.

Here’s the smart way to do it:

🔑 Pricing & Conversion

=> Decide how the AED price will be fixed—whether crypto converts directly to AED, through USD, or by a set crypto notional (e.g., BTC/ETH).

=> Lock in benchmark rates and timestamps from a licensed OTC desk.

=> Agree on who pays fees (on-chain, OTC spreads, bank wires).

=> Require clear proof of conversion: blockchain confirmation, OTC trade ticket, and bank credit to escrow.

🛡️ Hedging the Risk

=> Buyers can pre-hedge with perps/options or stage funds in stablecoins before closing.

=> Sellers/Developers should demand a guaranteed AED floor in the contract and pre-book conversions with licensed desks.

=> Always disclose spreads and conversion paths—no surprises.

🏦 Escrow Flow

=> Buyer clears KYC/AML before moving funds.

=> Crypto is sent to a licensed VASP, converted, and AED is credited to escrow.

=> On closing, escrow releases AED to the seller, with all fees and adjustments accounted for.

=> If anything breaks—KYC, conversion, bank rejection—the unwind terms must be written into the escrow letter.

✅ Why This Matters

Without these controls, you’re hoping the market cooperates. It won’t. Treat this like a cross-asset settlement, not a gamble.

To be continued…

Part 3 will cover the operating playbook for developers, brokers, and HNW buyers.

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