PureFi vs Wahed: What you need to know

PureFi and Wahed both let people invest in real estate without buying and managing a whole property. However, they are not the same type of platform.

PureFi focuses on shares of individual, income-producing homes. Wahed offers individual US rental properties and a fund that holds several homes. The platforms also differ in their fees, availability, and access rules.

In this PureFi vs Wahed comparison, we’ll look at what each platform offers, where earnings come from, how projected returns can change, when users can access their money and what protection applies. This article is for general information and does not recommend one investment over another.

Note: The information below was checked in September 2026. Product terms and availability may change.

PureFi vs Wahed at a glance

Feature	PureFi	Wahed
Main real estate product	Shares of individual homes	Individual homes and a residential fund
Property location	Properties listed in the PureFi app	US single-family homes
What you own	Shares of selected homes	Shares in a property company or the wider fund
How you may earn	Rent and changes in home values	Rental distributions and changes in property values
Published starting amount	Check the current amount in the app	$100 for the fund; $500 for individual properties
Main fees	One-time purchase fee; no monthly fee	Sourcing and annual management fees
Access	Sell at the current market price; no fixed lock-up	Depends on the product and holding period
Availability	More than 100 countries	US real estate products for qualifying US investors
Account structure	Self-custodial dollar wallet	Investment account with regulated property offerings
Main strength	International access and individual property selection	Choice between individual homes and a diversified fund

What is PureFi?

PureFi is a financial technology platform that lets users buy shares of real homes from their phones. The homes are bought outright and professionally managed. Users can view each home’s details and legal documents in the app. They can choose their own properties or begin with a suggested mix. Shares of each home are held in an account in the user’s name. PureFi states that it does not pool one user’s property shares with another user’s holdings.

PureFi is available in more than 100 countries. Users can fund their accounts from more than 160 countries, although access depends on local rules.

What is Wahed?

Wahed is a wider investment platform with products in several asset classes. For a fair comparison, this article focuses only on Wahed real estate.

Wahed currently offers two main ways to invest in US residential property. The first is an individual-property product. Investors select a home and buy shares in the legal entity that owns it. The second is the Wahed Real Estate Fund. Instead of choosing one home, investors buy shares in a fund containing several single-family rental properties.

Both options are professionally managed. Wahed handles tasks such as finding properties, reviewing them, managing tenants, and dealing with ongoing administration. Its real estate properties are purchased through a zero-debt model.

What can you invest in?

PureFi is mainly built around individual property selection. You can see the available homes, read their documents, and decide which ones you want to own shares in. PureFi may also suggest a mix of homes if you do not want to build one yourself.

Real estate is PureFi’s first real asset product. The company says it plans to add more real assets in the future.

Wahed provides more than one property structure. You can select shares linked to an individual US home, or choose its residential fund.

The fund spreads your investment across multiple properties and markets. This reduces your dependence on one tenant or one home. It does not remove risk, but it provides automatic diversification.

The basic difference is simple:

• PureFi focuses on shares of selected homes.
• Wahed offers selected homes and a managed property fund.

What do you own?

With PureFi, you own shares of the homes you select. Those shares are held in an account in your name. Documents for each property are available from its page in the app.

With Wahed’s individual property option, you buy shares in a separate Series LLC linked to that property. This gives you an ownership share in the legal entity rather than direct title to part of the physical building. Wahed fund investors own shares in the fund. They do not choose or directly own shares in each underlying home. Wahed selects and manages the properties held by the fund.

Both are forms of fractional real estate investing, but the legal structure is different. Users should read the documents provided by each platform before investing.

How do PureFi and Wahed users earn?

Both platforms aim to generate earnings from real property. Neither provides a fixed or guaranteed return.

How earnings work with PureFi

PureFi earnings come from two possible sources:

• Rent paid by tenants
• Changes in the value of the homes

When tenants pay rent, the user’s share is added to their PureFi balance. It can be reinvested or taken out.

PureFi currently shows projected earnings of up to 6% APY. This figure is based on current rent and home values. It is variable and can go up or down. The shares themselves can also lose value. Nothing is lent out to generate the projected yield. The user’s money is used to buy shares of real homes. PureFi explains the source and limits of its projected APY here.

How earnings work with Wahed

Wahed’s individual properties may provide rental distributions after expenses. Investors may also receive part of any gain when a property is eventually sold.

The Wahed fund collects rent across several homes. Available income may be distributed quarterly after costs have been deducted. Investors may also benefit if the value of the fund’s properties rises.

Wahed does not promise that a distribution will be paid. Occupancy, repairs, operating costs and property performance can all affect the amount. The fund launched without a historical performance record. That means investors should not treat its targets or projections as established past results.

Minimum investments and fees

Costs are one of the main differences between Pure8Fi and Wahed.

PureFi fees

PureFi does not charge a monthly account fee. Each property-share purchase has a one-time fee. The amount is shown on the order before the user confirms it. The public website does not list one standard starting investment for every home, so users should check the amount shown in the app.

Wahed fees

The Wahed Real Estate Fund currently has a minimum investment of $100. Individual property investments start at $500. For individual properties, Wahed lists:

• A sourcing fee of about 2.5% to 4.5%
• A 1% annual management fee
• Property operating expenses
• Transaction costs when a property is sold

For the fund, Wahed lists:

• A sourcing fee of about 3%
• A 0.75% annual management fee
• Fund operating expenses
• A possible redemption fee

Fund redemption fees currently depend on how long the shares have been held:

Holding period	Redemption fee
First 6 months	Redemption not permitted
6 to 12 months	2%
12 to 60 months	1%
More than 60 months	No redemption fee

Wahed says these costs are reflected in the investment structure rather than charged as a separate platform subscription.

How quickly can you access your money?

Real estate is usually harder to sell than cash or publicly traded investments. The two platforms handle access differently.

Access with PureFi

PureFi states that users can sell their shares at the current market price without a fixed lock-up. The money from the sale is returned to their balance. The current price may be higher or lower than the original purchase price. Having no fixed lock-up does not mean the value is protected.

Access with Wahed

Wahed individual properties are designed as long-term investments. A property may be held for several years. Investors generally receive their final share of the proceeds after the property is sold.

The Wahed fund provides scheduled redemption windows in January and July. Investors must first complete a six-month holding period.

Redemption requests must be submitted before the stated deadline. Investors can currently redeem up to 10% of their eligible shares during each window. Fees may apply based on how long the shares have been held.

PureFi therefore provides more flexible published access. Wahed uses a more structured, long-term process.

Where are PureFi and Wahed available?

PureFi has the broader reach for its real estate product. It is available in more than 100 countries and supports funding from more than 160 countries. Availability still varies by jurisdiction.

Wahed operates in several countries, but its current US real estate offerings have their own eligibility rules. The Wahed fund is open to qualifying US residents aged 18 or older. Both accredited and non-accredited investors may apply, although non-accredited investors can face investment limits.

A person may have access to other Wahed products in their country without having access to Wahed US real estate. Users should check the products available in their own location.

How do account protection and investment risk compare?

Account security and investment risk are not the same thing. Security features help prevent someone from accessing an account without permission. They cannot stop a home from losing value or a tenant from missing rent.

PureFi security

PureFi uses a self-custodial wallet. This means the user controls the wallet holding their dollar balance. PureFi states that it cannot transfer, lend or spend that balance without the user.

Its security measures include:

• Identity verification
• 256-bit encryption
• Face ID and two-factor authentication
• Fraud monitoring
• Licensed technology partners
• Private cybersecurity insurance covering its systems and users

PureFi is not a bank. Its balance and real estate shares are not FDIC insured or protected by another government deposit scheme. Read PureFi’s current security information.

Wahed security and regulation

Wahed real estate investments are structured as securities offerings under US rules. Securities-related activity is conducted through Dalmore Group, a registered broker-dealer and FINRA/SIPC member.

This regulatory structure does not guarantee the investment. It does not protect users against falling property values, lower rent, operating losses or the failure of an offering.

Wahed real estate products are also not bank deposits. Investors can lose some or all of the money they invest.

PureFi and Wahed are not savings apps

PureFi and Wahed real estate products should not be confused with a standard digital savings platform. A high-yield digital savings account or online savings app is normally used to hold cash. Depending on the provider and country, eligible deposits may receive government-backed protection.

A high-yield investment platform puts money into assets that can rise or fall in value. That description is closer to the real estate products compared here.

A multi-currency savings account also serves a different purpose. It lets users hold and manage balances in several currencies. It does not automatically give the user ownership of rental property.

PureFi does include a dollar wallet, but money invested in homes is no longer simply a cash balance. It becomes a real estate investment with the possibility of gains and losses.

Which platform may suit you?

PureFi may be worth considering if you:

• Live outside the US
• Want to choose individual homes
• Prefer shares held in an account in your name
• Want to access rental earnings through a self-custodial dollar wallet
• Do not want a fixed holding period
• Prefer a one-time purchase fee over an annual management fee

Wahed may be worth considering if you:

• Are an eligible US investor
• Want a managed residential property fund
• Prefer automatic diversification across several homes
• Want the choice between a fund and individual properties
• Are comfortable with scheduled redemption windows
• Plan to hold your investment for several years

Neither platform is automatically right for everyone.

PureFi provides wider international access and more flexible sale terms. Wahed gives eligible US investors access to a diversified fund and individual property offerings, but its fees and holding rules are more detailed.

The choice depends on where you live, what you want to own, how much you want to invest, and how soon you may need the money.

Review real homes on PureFi

See the homes available in the PureFi app, read their legal documents, and check the projected rental earnings before you invest.

Explore real estate with PureFi

Projected earnings are variable and not guaranteed. Real estate shares can lose value. PureFi is a financial technology company, not a bank. Its balance and real estate shares are not covered by FDIC insurance or another government deposit scheme.