档案库 · 金融科技 · 战略决策 · 2021-2026
Stake：迪拜金融科技公司，押注500迪拉姆的份额能让房地产向全世界开放
迪拜的Stake让任何人从500迪拉姆起购买房产，赢得了首张面向全球投资者的沙特牌照，并以5800万美元的资金规模扩展到超过200万用户。
Stake
做的是什么生意
Stake is a Dubai-based digital real estate investment platform: users buy fractional shares of income-generating properties from AED 500, receive monthly rental income, trade on periodic Exit Windows, and invest in private real estate funds, with regulated cross-border access to Saudi Arabia and US industrial property.
启动资金：$8M pre-Series A in 2022 (MEVP and BY Ventures, per Wamda); $14M Series A in June 2024 led by MEVP with Aramco's Wa'ed Ventures, Mubadala and Republic; $31M Series B in Feb 2026 led by Emirates NBD with Mubadala's MENA VC Fund, MEVP, Property Finder, STV NICE, Wa'ed, GFH Partners and Ellington Properties; $58M total.
起因
Manar Mahmassani, Rami Tabbara and Ricardo Brizido founded Stake in Dubai in 2021 after watching the UAE property boom shut out anyone without a large cheque: high minimums, opaque agents and no resale path kept real estate a rich-person asset. Stake digitised it, letting investors buy fractional shares of managed, income-generating properties from AED 500 and earn a slice of monthly rent, with Exit Windows to sell holdings every six months. An $8M pre-Series A in 2022, backed by MEVP and BY Ventures, funded the build-out.
经过
By mid-2024 Stake counted 500,000+ users, 200+ properties worth AED 355M sold in-app and 100,000+ transactions, and closed a $14M Series A led by MEVP with Aramco's Wa'ed Ventures, Mubadala and Republic. The capital funded entry to Saudi Arabia as the first platform letting people outside the Kingdom invest in Saudi property, plus expansion to Abu Dhabi; Stake had first announced Saudi and Egypt plans in 2022 but deferred them citing economic volatility. In Q4 2024 it became the first CMA-regulated investment platform to open the Kingdom's property market to global investors.
结果
Stake is still scaling. In Feb 2026 Emirates NBD led an oversubscribed $31M Series B with Mubadala's MENA VC Fund, MEVP, Property Finder, STV NICE, Wa'ed, GFH Partners and Ellington Properties, lifting total funding to $58M. Stake had by then closed three Saudi real estate funds, drawn 6,930 international investors and moved over SAR 416M into the Kingdom; in Oct 2025 it added US industrial real estate and launched StakeOne for full-property ownership, and it holds in-principle approval from Dubai's VARA to tokenise real estate with Property Finder.
背景
Stake于2021年在迪拜由Manar Mahmassani、Rami Tabbara和Ricardo Brizido创立，押注房地产可以像股票一样容易获取：以500迪拉姆的份额购买管理型且产生收入的房产，每月赚取租金，并通过每六个月的退出窗口出售。创始人目睹了阿联酋房地产繁荣将没有大额支票的人排除在外，因此着手为全球散户投资者数字化所有权。
在边界开放之前，该模式在迪拜已被验证：到2024年6月，Stake拥有超过50万用户，应用内售出200多处房产，价值3.55亿迪拉姆，交易超过10万笔，并入选德勤中东科技Fast 50 Rising Star，并完成了由MEVP领投、Aramco的Wa'ed Ventures、Mubadala和Republic参与的1400万美元A轮融资。这笔资金支持了进入沙特阿拉伯的计划，成为第一个允许非沙特人投资王国房地产的平台，并在2024年第四季度，Stake成为第一个受CMA监管的投资平台，向全球投资者开放沙特房地产。
2026年2月，Emirates NBD领投了3100万美元B轮，使Stake的总融资额达到5800万美元，并支持了一个现在服务181个国家超过200万用户的平台，GMV以每年超过130%的速度增长。Stake已关闭三只沙特房地产基金，将超过4.16亿沙特里亚尔引入王国，进入美国工业房地产，推出StakeOne用于全房产所有权，并获得了VARA原则性批准，与Property Finder合作将房地产代币化，推动其实现无国界、流动性强的房产所有权的目标。
这件事要成立，得有什么
- Stake在扩张前有证据：超过50万用户和3.55亿迪拉姆的应用内房产销售表明普通投资者愿意投入真金白银，而不仅仅是浏览。
- 500迪拉姆的份额加上月度租金支付和退出窗口解决了房地产常见的两个反对点：最低投资额和缺乏流动性。
- 监管成为护城河：成为第一个受CMA监管的平台，向全球投资者开放沙特房地产，创造了竞争对手无法快速获得的牌照优势。
- 跨境模式复合增长：同样的轨道现在承载着沙特基金、美国工业资产和VARA批准的代币化管道，每个都扩大了潜在市场。
可借鉴之处
当市场对局外人关闭时，需求不是瓶颈，监管信任才是：国有资本和首张牌照将合规本身转化为产品和护城河。
后续进展
截至2026年9月4日，Stake从迪拜运营，作为该地区领先的数字房地产平台，依靠5800万美元的融资规模扩张（Wamda，2026-02-16）。沙特阿拉伯是其最直接的增长市场：自2024年第四季度首次向全球投资者开放沙特房地产以来，Stake已关闭三只基金，吸引6930名国际投资者，并将超过4.16亿沙特里亚尔引入王国。2025年10月，它进入美国工业房地产，并推出StakeOne用于迪拜资产的全所有权，同时拥有VARA原则性批准，与Property Finder合作进行代币化。没有宣布退出或关闭。
资料来源
- UAE's proptech Stake closes $14 million Series A
- Stake raises $14M to bring its fractional property investment platform to Saudi Arabia, Abu Dhabi
- Stake closes $31 million Series B led by Emirates NBD
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