Property managers Tenants
Dispute-free rental-deposit escrow · UAE

Your deposit, held in trust and earning for you.

Amaneo holds UAE rental deposits in a segregated bank account and makes move-out dispute-free by design: evidence agreed up front, release by rules — not by power. And the deposit can be invested Sharia-compliantly so it earns while it protects.

Segregated escrow at a licensed bank Dispute-free by design Regulator-aligned · ADGM path Sharia-compliant structure
Deposit securedTenancy · Al Reem Island
AED 7,500
Held in segregated escrow · Protect & Earn (50%)
Move-in condition reportDual-signed
Tenancy registered (Tawtheeq)Verified
Owner verificationTitle deed + ID match
Move-out inventoryPending
Release: rules-based · typically within days of agreed move-out
Dispute-free by designBoth sides signed the move-in report · release by rules, in days · optional return accruing
Built for the UAE's rails UAE PASSEmirates IDEjariTawtheeqTitle-deed verificationADGM
Who it's for

Full security — without the friction.

One neutral rail for everyone in the tenancy. The deposit is protected for both sides, released by clear rules, and no longer sits idle.

Property managers

Open deposits digitally, drop the chasing and the disputes, and pay out only to verified owners. Your admin goes to zero.

Learn more →

Tenants

Your deposit sits with a neutral custodian, not in someone's pocket. Choose Protect, or Protect & Earn to let it earn a return.

Learn more →

Landlords

Full cover at all times, an agreed evidence baseline for genuine claims, and a release you don't have to argue about.

Learn more →
How it works

Move-in to move-out, dispute-free by design.

Evidence is captured up front, so most disputes never start. The rest settle by rules — in days, not months.

1

Verify

UAE PASS, Emirates ID, title deed and tenancy registration (Ejari / Tawtheeq). Only verified owners can ever be paid.

2

Secure

The deposit lands in a segregated escrow account at a licensed bank — invested if the tenant chooses Protect & Earn. Both sides see the same status.

3

Document

A dual-signed, timestamped move-in condition report becomes the baseline evidence for the whole tenancy.

4

Release

At move-out the inventory is compared, a fair split is applied by rules, and funds — plus any return — are released within days.

Return on capital

Your deposit earns while it protects.

The reason to use Amaneo is a deposit that is safe and comes back without a fight. The return is the bonus: with Protect & Earn, money that used to sit idle is placed in capital-preserving, Sharia-compliant instruments — while the landlord's cover stays at the full deposit amount.

  • SecuredSegregated escrow, pledged to the landlord. Nobody can touch it unfairly.
  • Invested — if you chooseIslamic money-market funds, short-dated sukuk, wakala deposits. No equities, no leverage.
  • SharedThe tenant earns on money that earned nothing before. The landlord's cover never drops below the deposit.

Protect

Escrow only. The deposit is held, protected and released by rules.
Return / riskNone
  • No fees for tenants
Optional

Protect & Earn

Choose the share of the deposit to invest — 50% or 100% — in a capital-preserving, Sharia-compliant mandate.
Return / riskLow · capital-preserving
  • No fixed fee — Amaneo shares in the profit
  • Landlord's cover stays at 100% of the deposit
Deposit calculator

What's at stake with your deposit?

Today the whole deposit is at risk and getting it back is slow and costly. Here is what that means in dirhams — and what changes.

AED
Your deposit — at risk today
AED 6,000
Tribunal fee to recover it if withheldAED 4,200
Typical time to get it back todayWeeks to months
With Amaneo: release by rulesDays · AED 0 fees
Landlord's cover100% of deposit
Bonus — illustrative return over the tenancy
AED 210
Amount investedAED 3,000
Held as cash escrowAED 3,000
Tribunal fee: Dubai Rental Dispute Centre filing fee of 3.5% of annual rent (minimum AED 500), excluding legal costs and time. Return is an illustration at the selected rate, before Amaneo's profit share, in a capital-preserving Sharia-compliant mandate; actual profit rates vary and can be lower. Deposit norms: 5% of annual rent unfurnished, 10% furnished.
Trust by design

Built like a financial institution, not a marketplace.

Amaneo is the trust and technology layer. A licensed bank holds the money; rules decide when it moves.

Segregated bank escrow

Deposits sit in a segregated escrow account at a licensed bank — never on Amaneo's balance sheet.

Verified-owner-only payouts

Title deed and Emirates ID must match before a dirham moves. This closes the door on landlord and agent fraud.

Dual-signed condition report

Timestamped, photo-backed and signed by both sides at move-in — the evidence baseline that prevents most disputes.

Release in days, by rules

Objective items settle deterministically; the subjective middle gets an advisory recommendation; only a small tail goes to a tribunal.

Sharia-compliant structure

Safekeeping (wadī'ah) for Protect; profit-sharing (mudaraba / wakala) for Protect & Earn — reviewed by a Sharia board.

Regulator-first

Built in Abu Dhabi on the ADGM path, with a licensed partner bank holding client money from day one.

Amaneo is pre-launch. Escrow and investment services will be delivered with licensed partners and under applicable UAE and ADGM regulation. Nothing on this site is an offer of financial services or investment advice.

Integrations

Works with how you already manage properties.

Open a deposit from your property-management software or from the Amaneo portal. Registration checks against Ejari and Tawtheeq are built in.

Portal & bulk CSV importAPI for PM softwareEjari / Tawtheeq checksE-signaturePhoto inventory

Pilot programme · Abu Dhabi & Dubai

We are onboarding a small number of property managers and landlords for our first pilots. Pilot partners shape the product and get priority integration.

FAQ

Frequently asked questions

What is Amaneo?+
Amaneo is a neutral escrow for UAE rental deposits. Instead of the landlord or agent holding the tenant's money, the deposit sits in a segregated account at a licensed bank and is released by clear rules — tenancy registered, move-out inventory agreed, funds out within days. Tenants can optionally have the deposit invested in a capital-preserving, Sharia-compliant mandate so it earns a return.
How do you make it dispute-free?+
Three layers. First, a dual-signed, timestamped move-in condition report — both sides agree the baseline before anyone moves in. Second, an agreed move-out inventory measured against that baseline, so objective items (unpaid utilities, missing items, documented damage) settle by deterministic rules. Third, for the subjective middle — fair wear and tear versus damage — an advisory recommendation both sides can accept in the app. In practice most tenancies never have a dispute at all, and the few that remain are narrowed to a small, documented question. Funds release within days of agreement.
Is the deposit safe?+
The money is held by a licensed bank in a segregated escrow account, not by Amaneo and not by the landlord. Payouts go only to verified owners (title deed + Emirates ID match) or back to the tenant, according to the agreed rules. With Protect & Earn, the landlord's cover is maintained at the full deposit amount by design.
How is this different from rent financing or deposit insurance?+
Rent-financing products advance rent or the deposit — but the landlord still holds the money. Insurance products pay the landlord after a default. Amaneo does neither: it holds the deposit neutrally, prevents disputes with a shared evidence baseline, and can make the deposit earn.
Who can get started, and how?+
We are onboarding property managers and landlords first, through our pilot programme in Abu Dhabi and Dubai. Tenants are invited by their property manager or landlord once the tenancy is set up on Amaneo. Use "Get early access" to register interest.
What does Protect & Earn invest in?+
Capital-preserving, Sharia-compliant instruments only — Islamic money-market funds, short-dated sukuk and wakala deposits. No equities, no leverage. The tenant keeps the return; Amaneo takes a share of the profit; there is no fixed fee. Returns are not guaranteed.
What does it cost?+
Protect carries no fees for tenants. Property managers and landlords pay a per-contract fee for the rail. On Protect & Earn, Amaneo shares in the profit the deposit generates instead of charging a fixed fee. We never charge tenants interest, penalties or fees for getting their own money back.
Is Amaneo regulated?+
Amaneo is building in Abu Dhabi on the ADGM path, with a licensed partner bank holding client money. We are pre-launch: escrow and investment services will be delivered with licensed partners and under applicable UAE and ADGM regulation.
Early access

Join the first pilots in Abu Dhabi and Dubai.

Property managers, landlords, tenants and banking partners — tell us who you are and we will be in touch.

  • Priority onboardingPilot partners go live first and shape the product.
  • No commitmentRegistering interest is free and non-binding.
Thank you — you're on the list. We'll be in touch personally.
For tenants

Rental deposits, reinvented for the UAE.

Your deposit no longer sits in someone's pocket. It is held by a neutral custodian and released by rules — dispute-free by design — and, if you choose, it earns a return while you live in your home.

Benefits

How you benefit from Amaneo.

Neutral custody

Your money sits at a licensed bank in segregated escrow — not with the landlord or agent.

Fast, fair release

Agreed move-out inventory, rules-based split, funds back within days — not months of chasing.

Evidence on your side

A dual-signed, timestamped move-in report protects you from unfair deductions.

Revive your deposit

Choose Protect & Earn and let idle money earn a return in a capital-preserving mandate.

Sharia-compliant

Safekeeping and profit-sharing structures reviewed by a Sharia board. No interest, ever.

Full control

See your deposit's status in real time and switch products during your lease.

Getting started

Your deposit in three steps.

1

Get invited

Your property manager or landlord sets up the tenancy on Amaneo and sends you an invitation. You verify with UAE PASS.

2

Choose your product

Protect (escrow only) or Protect & Earn (50% or 100% invested, capital-preserving, Sharia-compliant).

3

Pay in and move in

Transfer the deposit to the segregated escrow account, sign the move-in condition report together, and you're set.

Products

Choose what suits you.

You decide what share of the deposit is invested. You can change your mind during the lease.

Protect

Escrow only — held, protected, released by rules.
Return / riskNone
  • No fees for tenants
  • Rules-based release in days
Popular

Protect & Earn 50

Half invested in the capital-preserving, Sharia-compliant mandate; half held as cash escrow.
Return / riskLow
  • No fixed fee — profit share only
  • Landlord's cover stays at 100%

Protect & Earn 100

The full deposit invested in the capital-preserving, Sharia-compliant mandate.
Return / riskLow–moderate
  • No fixed fee — profit share only
  • Landlord's cover stays at 100%

Returns are not guaranteed. Mandate composition and Sharia certification are finalised with our partner bank and Sharia board before launch.

Deposit calculator

What's at stake with your deposit?

Today the whole deposit is at risk and getting it back is slow and costly. Here is what that means in dirhams — and what changes.

AED
Your deposit — at risk today
AED 4,500
Tribunal fee to recover it if withheldAED 3,150
Typical time to get it back todayWeeks to months
With Amaneo: release by rulesDays · AED 0 fees
Landlord's cover100% of deposit
Bonus — illustrative return over the tenancy
AED 160
Amount investedAED 2,250
Held as cash escrowAED 2,250
Tribunal fee: Dubai Rental Dispute Centre filing fee of 3.5% of annual rent (minimum AED 500), excluding legal costs and time. Return is an illustration, before Amaneo's profit share; actual profit rates vary and can be lower.
Tenant FAQ

Questions tenants ask

Can I open an Amaneo deposit on my own?+
Not yet. Your property manager or landlord sets up the tenancy on Amaneo and invites you. If they don't use Amaneo, send them to this site — we onboard property managers and landlords through our pilot programme.
What happens to the return if I invest?+
The deposit is held for your benefit. If you choose Protect & Earn, the return accrues to you (after Amaneo's profit share) and is paid out with the deposit at move-out. Returns are not guaranteed.
Can my landlord still make a claim?+
Yes — for genuine damage beyond fair wear and tear, unpaid utilities or agreed items, measured against the dual-signed move-in report. Objective items settle by rules; the rest is resolved with an advisory recommendation; only a small tail ever reaches a tribunal.
Is Protect & Earn Sharia-compliant?+
Yes. Protect uses a safekeeping (wadī'ah) structure; Protect & Earn uses profit-sharing (mudaraba / wakala) structures with Sharia-compliant, capital-preserving instruments. No interest is paid or charged.
For property managers & landlords

Zero deposit admin. Full cover. Dispute-free move-outs.

Open deposits digitally, pay out only to verified owners, and let a rules-based release do the arguing for you. Your tenants get a deposit that earns — you get your time back.

Benefits

What changes for you.

Fully digital

Open a deposit in minutes from the portal or your PM software. No forms, no cheques, no chasing.

Full cover, always

The landlord's security stays at 100% of the deposit — including on Protect & Earn.

Dispute-free by design

Dual-signed move-in reports and a rules-based release remove most arguments before they start; the rest settle in days.

Verified counterparties

UAE PASS, Emirates ID and title-deed checks on every tenancy. Payouts go to verified owners only.

Happier tenants

A deposit that is safe and can earn is a reason to choose your buildings — and to renew.

Compliance built in

Segregated client money at a licensed bank, Ejari / Tawtheeq checks and a full audit trail on every release.

Workflow

Three steps, then it runs itself.

1

Create the tenancy

Enter the unit, owner and tenant — or import in bulk. Owner verification runs against the title deed and Emirates ID.

2

Tenant pays into escrow

The tenant receives an invitation, verifies with UAE PASS, chooses Protect or Protect & Earn, and transfers the deposit.

3

Release by rules

At move-out you and the tenant agree the inventory against the move-in report; funds release within days, with a full audit trail.

Landlords

Your security, without holding someone else's money.

Holding deposits is a liability: accounting, disputes, and — for many owners — a reputational risk. Amaneo keeps your cover at 100% while a neutral custodian holds the cash and rules decide the release.

  • Cover you can rely onThe full deposit amount, always — regardless of the tenant's product choice.
  • Claims that stickGenuine damage is measured against a dual-signed baseline — no more he-said-she-said.
  • No idle-cash accountingThe deposit is off your books and out of your bank account.

Private landlord?

You can use Amaneo directly, without a property manager. Register interest and we will contact you as the pilot opens in your emirate.

Property manager FAQ

Questions property managers ask

How do we get started?+
Apply for the pilot with your portfolio size and software. Pilot partners onboard first, get direct integration support and shape the release rules with us.
Where does the money sit?+
In a segregated escrow account at a licensed bank, never on Amaneo's balance sheet and never in the landlord's or agent's account. Every movement is logged and auditable.
What if the tenant chooses Protect & Earn — is the landlord exposed?+
No. The mandate is capital-preserving and the landlord's cover is maintained at the full deposit amount by design.
Which software do you integrate with?+
The portal and bulk CSV import work from day one; an API for property-management software is part of the pilot. Tell us what you use.
What does it cost?+
A per-contract fee for the rail, agreed with pilot partners. There are no fees for tenants on Protect, and no interest or penalties ever.
Legal

Privacy policy

How we handle personal data on this website and in our early-access programme.

Template for review by counsel before launch. Placeholders in [brackets] must be completed.

1. Who we are

This website is operated by Amaneo ("we", "us"), a company in formation in the United Arab Emirates. Contact: via the form on this site.

2. What we collect

When you request early access we collect the information you provide: role, city, work email, optional portfolio size and message. We also collect basic technical data (browser type, pages visited) if you consent to analytics cookies.

3. Why we use it

To contact you about the Amaneo pilot programme, to plan onboarding capacity by emirate, and to improve this website. We do not send newsletters and we do not sell or share your data with third parties for their own purposes.

4. Legal basis

Your consent (which you can withdraw at any time by contacting us) and our legitimate interest in operating a pre-launch programme, in line with the UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data and, where applicable, the ADGM Data Protection Regulations 2021.

5. Storage and retention

Early-access data is stored with [form/CRM provider] in [region]. We keep it until the pilot programme closes or you ask us to delete it, whichever is earlier.

6. Cookies

Essential cookies keep the site working. Analytics cookies are set only if you accept them in the cookie banner; you can change your choice at any time via "Cookie preferences" in the footer.

7. Your rights

You may request access to, correction or deletion of your personal data, or object to its processing, by contacting us through the form on this site.

8. Changes

We will update this policy as Amaneo moves from pre-launch to regulated operations. Last updated: [date].

Legal

Legal information

Important notices about this website and the status of Amaneo's services.

Template for review by counsel before launch. Placeholders in [brackets] must be completed.

Status of services

Amaneo is pre-launch. The escrow, safekeeping and investment services described on this website are under development and will be provided only once the required licences, partner-bank arrangements and Sharia certification are in place, under applicable UAE and ADGM regulation. Until then, nothing on this website constitutes an offer, solicitation or provision of financial, escrow or investment services.

No advice

Content on this site is general information, not financial, legal, tax or investment advice. The deposit calculator is an illustration based on assumptions you select; it is not a forecast, and returns on any Protect & Earn mandate are not guaranteed.

Operating entity

[Legal entity name], [registration jurisdiction, e.g. Abu Dhabi Global Market], registration no. [•]. Registered address: [•].

Intellectual property

"Amaneo", the Amaneo mark and the contents of this site are the property of the operating entity. Third-party names (including UAE PASS, Emirates ID, Ejari, Tawtheeq and ADGM) are the marks of their respective owners and are referenced descriptively only; no affiliation or endorsement is implied.

Liability

We take care to keep this site accurate but give no warranty as to completeness. To the extent permitted by law, we accept no liability for reliance on its contents.

Governing law

[ADGM / UAE law], with disputes subject to the courts of [•].

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