Your ownership is real and legally protected. When you buy shares you become a registered shareholder of a UK company at Companies House, the same public register that records ownership of every company in Britain. Your name is on the legal record and your interest is protected by UK company law. As the company owns only your selected apartment, your money buys you a real stake in a real, income-producing apartment. The apartment is professionally managed and insured, rental income is held in ring-fenced accounts, and an independent Trustee Director oversees the company. This is property ownership, and the value of your shares can go down as well as up and your capital is at risk.

In two ways. First, you receive your share of the net rental income every quarter. On a two-bedroom apartment, one share currently produces a projected £390 a year, paid as £97.50 each quarter which is a net yield of 4.22% on the £9,250 share price. Second, if you and your co-owners vote to sell the apartment, you agree the asking price together on the open market and stand to benefit from any increase in the property's value over time. Neither the rental income nor any increase in value is guaranteed, and your capital is at risk.

Tokenised co-ownership means buying shares in a UK private limited company registered at Companies House, with your shares also represented by a digital token on the Ethereum blockchain. The company holds a 125-year lease, commencing September 2026, of a specific named apartment at Medina Breeze Walk. Each apartment has 20 shares. Buying one share gives you a 5% direct legal and economic interest in that apartment. Your ownership is recorded in your name on the Companies House register of members, constitutionally protected by UK company law, and mirrored by your token as an additional transparent record. You choose which apartment you co-own and how many shares you purchase. Your interest is in that specific apartment only, not pooled across the development.

Tokenisation is what allows your ownership to be managed digitally from end to end. Buying, holding, receiving income, voting on key decisions and selling your shares are all handled securely through the platform, with your token providing a tamper-evident record at every step. Because the underlying ledger is decentralised and publicly auditable, while identities remain protected, records are highly secure against loss or unwanted change. The token is not a cryptocurrency, cannot be traded independently and carries no value of its own. It is simply a powerful management tool and a second, tamper-proof record of your ownership that sits alongside your legal registration. The Companies House register always prevails over the token record.

No. You never have to touch cryptocurrency, own a wallet or learn anything technical. Your ownership is recorded at Companies House exactly like any normal company shareholding. We also keep a secure digital record of your shares using blockchain technology, which simply makes ownership easier and safer to manage, and that happens in the background. If you already have a digital wallet and would prefer to hold your token alongside your other holdings, that is welcome. If not, our token holding service keeps it safe on your behalf, free of charge. If you can use online banking, you can be a co-owner.

Yes. We accept payment in major cryptocurrencies. If you hold crypto, this is a straightforward way to convert it into ownership of a real-world, income-producing physical asset, held in your name and registered at Companies House. All purchases, whether funded by bank transfer, card or crypto, are subject to the same identity and source-of-funds checks.

No. This is a direct co-ownership opportunity in a specific residential apartment. You are buying shares in a UK company that holds a long lease of that apartment. The blockchain element is an administrative and transparency feature. You are buying a share of property and its rental income, not any digital asset or token.

ArcadiaPM does. A professional management company looks after everything: finding and managing tenants, repairs, maintenance, insurance, safety and compliance. You are not a landlord. There are no tenants to chase, no boilers to fix and no paperwork to file. Your only involvement is receiving your quarterly income and voting on the major decisions that affect your co-ownership.

Standard two-bedroom apartments are independently valued at £185,000 and available from £9,250 per share, with each apartment divided into 20 shares of 5% each. You can buy more than one share in an apartment, up to the full 20 shares, and you can co-own shares in more than one apartment subject to availability. Premium three-bedroom apartments will be available from December 2026.

No, and the two work very differently. In a stocks and shares ISA your money is pooled and invested across a portfolio chosen by a fund or ISA manager. You do not own any specific underlying asset and have no say in how it is managed. Tokenised co-ownership is direct ownership of a specific, named apartment recorded in your name at Companies House, with your share of that apartment's actual rental income and a direct vote on decisions including whether and when it is sold.

Both put your capital at risk, so neither is safer on that dimension. A stocks and shares ISA has genuine advantages: it is regulated, its income and gains can be tax-free within the wrapper, and it is generally more liquid. It also typically carries several layers of charges: platform fees, fund manager annual charges, sometimes performance fees. Co-ownership has two clear, fixed costs: a £400 a year platform fee per apartment, which is just £20 per share, and a £500 a year management fee, alongside the building service charge and maintenance reserve.

No. A cash ISA or savings account pays a fixed rate of interest, may be within FSCS limits, and may have easy access. But it has an annual contribution cap, and headline rates are often promotional, dropping after an introductory period or applying only up to a capped balance. Tokenised co-ownership has no contribution cap and pays income from a real, rented asset rather than a set interest rate. However, as with all property ownership, your capital is at risk and income is not guaranteed. The key difference is that a savings account is a place to hold cash, while co-ownership is ownership of a physical asset which produces rental income and whose value moves with the property market. Over the past decade, cash held in typical savings accounts has often earned less than inflation, gradually losing real spending power, whereas property is a real asset. This is not guaranteed, and property values can also fall as well as rise.

Traditional buy-to-let means buying a whole property outright, usually with a large deposit and a mortgage, and taking on the work and risk of being a landlord: finding and managing tenants, arranging repairs, meeting compliance obligations, and carrying all of your capital in a single property. Tokenised co-ownership lets you own a share of a professionally managed apartment from £9,250, with no mortgage, no deposit, no tenants to manage and no maintenance to arrange, and you can spread your money across more than one apartment rather than concentrating it in one.

The projected yields here also sit above the typical national buy-to-let average, for a few reasons: waterfront, marina-lifestyle apartments command a rental premium; the development attracts committed, longer-term tenants, which supports occupancy; and a single manager across the whole development keeps management and maintenance costs low. One further difference is worth understanding. In a buy-to-let you pay for repairs out of your own pocket whenever something needs doing, whereas here you contribute to a maintenance reserve in advance, and any unspent reserve is paid back up to co-owners. Just like all property ownership, tokenised co-ownership is not risk-free: your capital is at risk, income is not guaranteed, and shares are less liquid than cash. Full financial details are set out in The Numbers section on this page.

Rental income is collected by ArcadiaPM and paid into the apartment company's bank account. From the £11,100 of annual gross rent on a two-bedroom apartment, four costs are deducted: the platform fee of £400, the building maintenance and service charge of £1,400, the ArcadiaPM management fee of £500, and the maintenance reserve contribution of £1,000. That leaves £7,800 of net rent, or £390 per share.

The net income is declared as a dividend and paid quarterly, directly to your registered bank account or digital wallet. Any unspent maintenance reserve is paid back up to co-owners. Distributions depend on occupancy, costs and the performance of the apartment, and are not guaranteed.

You list your shares on the closed bulletin board at your asking price. Other verified users express interest, you agree a price directly, and the transfer is executed by the Trustee Director, with the Companies House register and the token updated accordingly.

Separately, for the first six months after purchase you benefit from a guaranteed buyback at your original purchase price, with no fees or deductions. Exercising it simply reverses your original transaction: your token is transferred back to MFI, your shares are removed from the register of members at Companies House, and the full amount you paid is returned to you by bank transfer or to your registered wallet. You are back where you started, as though the purchase had not happened. The buyback is provided by a Sumaya Group guarantor entity. After six months, sales are through the bulletin board only.

You do not need to keep track of the deadline yourself. We will write to you 30 days before your six-month anniversary to confirm the date and ask whether you wish to remain a co-owner or exercise the buyback. If you choose to continue, no action is needed and your shares simply carry on as normal.

Access to this site is restricted to people who qualify as high net worth individuals or self-certified sophisticated investors, which you confirmed on entry. You must be aged 18 or over. Shares can be purchased as an individual, through a company or through a trust, subject to additional verification. Non-UK residents are welcome subject to identity verification and should take independent advice on local regulatory or tax considerations. A parent or guardian may hold shares on behalf of a minor under a bare trust arrangement. Please contact us.

Because you are buying shares in a company rather than buying property directly, no Stamp Duty Land Tax is payable when you purchase shares. A later transfer of shares on the secondary market may attract Stamp Duty or Stamp Duty Reserve Tax at 0.5% of the price, where the relevant threshold applies. Distributions are paid as company dividends and are taxed as dividend income in your hands, subject to your personal circumstances and any applicable dividend allowance. Any gain on the sale of your shares may be subject to Capital Gains Tax. Tax treatment depends on your individual circumstances and may change, and non-UK residents should take advice in their own jurisdiction. This is general information only and not tax advice. You should consult your own tax adviser for your specific tax treatment.

You have a vote on the decisions that matter. Significant decisions, known as Reserved Matters, including any sale of the apartment, capital expenditure above £25,000, replacing the Trustee Director or the property manager, and winding up the company, require the approval of co-owners holding at least 75% of the shares. These are voted on electronically through the platform.

ArcadiaPM Limited is the professional property management company for Medina Breeze Walk, responsible for all apartments in the development. It handles lettings, tenancy management, rent collection, maintenance, building management, insurance, safety and compliance, so co-owners have no landlord responsibilities. Its management fee is a fixed charge per apartment equivalent to about 4.5% of rent, against a typical industry standard of 7% to 12%. It can charge less because it manages the entire development with one dedicated team, spreading its overheads across all the apartments so each apartment's share of the cost is smaller, which means more of the rental income is passed through to co-owners. ArcadiaPM acts only as agent and does not own the apartment, the lease or the company, so if it ever ceased trading your shares and the apartment would be unaffected and the Trustee Director would appoint a replacement manager. If ArcadiaPM underperforms, co-owners holding at least 75% of an apartment's shares can vote to replace it, as this is a Reserved Matter. Rent and client money are held in protected registered ring-fenced accounts separate from ArcadiaPM's own funds.

Your ownership is completely unaffected. DigiShares and MFI are service providers, they run the technology platform and administer the day-to-day process, but they do not own your shares, your apartment or the company. Your ownership sits at Companies House, where you are the registered legal owner of shares in the company that holds the lease of your apartment. That record exists independently of any platform.

If DigiShares or MFI were ever to cease operating, the co-owners of an apartment, as the registered owners of that company, retain full control. They can replace the Trustee Director and appoint themselves or another director of their choosing to run the company and manage the property, using the same governance rights that apply to any Reserved Matter. In other words, you can always take direct control of your own company and apartment. The failure of any service provider, whether the platform operator, the administrator or the property manager, does not and cannot affect your underlying ownership of the property. It simply means a new provider is appointed, or the co-owners manage matters themselves.

Island Harbour Development Ltd is the freeholder and developer of Medina Breeze Walk, and is a Sumaya Group entity. Broadleaf Assist Ltd is the independent Trustee Director of each apartment company. It executes share transfers, maintains the Companies House register, holds the bank mandate and ensures statutory compliance, and is independent of Sumaya Group. ArcadiaPM Limited manages all the apartments in the development. MFI Limited operates the co-ownership platform using DigiShares technology.