White Label Real Estate Crowdfunding Platform - Property SPVs, Ledger & Secondary Market

Real estate crowdfunding software you own outright: source, database and investor records, no monthly fee. Each property sits in its own SPV, with rental payouts and a secondary market built in.

For developers, syndicators and asset managers: investor apps, an operator console and a partner portal on 77 models and a double-entry ledger. Your license to operate stays yours.

Launch in 6 Days, Built SPV-FirstLedger-FirstMulti-CurrencyExit-ReadyWhite-LabelAudit-Traceable

⚡ The Platform in Brief

1

SPV for Each Asset
share classes over an append-only ownership register

2

Exit Routes
resale on the secondary market or a scheduled window

60+

Fields per Property
identity, forecasts, economics and regulatory data

10

Technical Documents
the security handbook and VAPT review among them

Your Team Runs It From One Console

Underwriting, investment committee review, tenancy and rent roll, distribution batching, KYC queues and a helpdesk, all in the console your operators work from every day.

Hardened Around Your Deployment

The demo runs on sandbox providers and demo defaults. The build you receive is hardened to your stack during delivery: real credentials, signed webhooks and role permissions enforced.

🚀 Planning your own real estate crowdfunding platform?

More than 6,000+ Companies Trust us Worldwide

Try It Live

Live Demo - Investor, Operator & Partner Consoles

Skip the sales pitch and try the platform yourself. Each role comes with a ready login, so there is nothing to install. Trace a funded property from the investor’s portfolio into the operator console, then into the finance workspace where its payout gets reviewed. For the compliance view, sign in as compliance@demo.com with the same password to see the KYC and approval queues and both sides of the maker-checker chain. The demo data is seeded and read-only: every screen opens, but write actions are blocked.

INVESTOR APP

Investor App - Invest, Hold & Exit

Where investors spend their time. Compare properties, model returns with the calculator, pass KYC, buy shares, keep the certificate, receive payouts and list holdings on the secondary market.

  • Launch the web app in any browser
  • Sign in using the demo login below
  • See: Properties, Portfolio, Wallet, Marketplace
  • Try: investor@demo.com | Demo1234!

OPERATOR CONSOLE

Deals, Assets, Operations & Exits

Where your team works. Deal pipeline and underwriting, committee review, tenancies and rent roll, maintenance, marketplace moderation, exit windows, audit logs and reports.

  • Launch the admin console in any browser
  • Sign in using the demo login below
  • See: Pipeline, Properties, Operations, Exits
  • Try: admin@demo.com | Demo1234!

FINANCE CONSOLE

Payouts, Withdrawals & Ledger Entries

Where the money lives, and the console to open if you only have time for one. Inspect a payout batch line by line as gross, tax, fee and net, view the withdrawal queue that waits on a second approver, and follow the balanced ledger entries under each.

  • Launch the finance console in any browser
  • Sign in using the demo login below
  • See: Distributions, Withdrawals, Ledger, Fees
  • Try: finance@demo.com | Demo1234!

PARTNER PORTAL

Deal Tracking for Property Developers

The supply side of the business. Developers follow each property through pre-listing, almost-funded and active stages, seeing target and committed capital, investor count, yield and due-diligence status per deal.

  • Log in first, then go to /partners/dashboard
  • Reuse the investor demo login below
  • See: Pipeline, Deal Cards, Due Diligence
  • Try: investor@demo.com | Demo1234!

See It Run

Video Walkthrough - Subscribe, Allocate, Distribute & Exit

This recording follows the operator’s view of the platform instead of stringing features together. It starts on a catalog property showing its SPV and share class, takes an investor through KYC, the subscription agreement and an order, and holds that order in payment-pending until settlement is confirmed, at which point the allocation is created, ownership is appended and a certificate is issued. From there it switches to the operator console for the commercially important step: a payout batch that rolls rent and expenses into gross, tax, fee and net lines, clears compliance review and finance approval, and executes as balanced ledger entries with statements attached. Both sides of the secondary market appear too, from a listing with its investment memo to an exit window running its eligibility checks. Need a particular flow rather than the full tour? Ask, and we will walk through it live on populated data.

All Surfaces Shown

Platform Screens - Investor, Operator, Partner & Mobile Flows

The screens that carry the business: a property catalog with side-by-side comparison and a returns calculator, property pages showing the SPV and share class, valuation history and due-diligence files, onboarding and KYC, the order and subscription agreement steps, a portfolio with holdings, certificates and performance analytics, a wallet that handles several currencies, the secondary marketplace with its investment memo, and roughly thirty operator workspaces.

Plus custom device
09 settings 3
08 statements
07 orders
06 more
05 marketplace
04 wallet
03 portfolio
02
01 home 3
Plus custom device
09 approval actions
08 holdings detail
07 wallet summary
06 entity registration
05 file entity
04 order approval
03 holdings 2
02 workspace
01 entities
Plus custom device
09 submission review
08 submission financials
07 property performance
06 projections
05 offering fields
04 submit property
03 pipeline
02 properties 1
01 dashboard 3
06-investors
05-oversight
04-analytics
03-control-center
02-power-panel
01-dashboard
Screenshot 2026-09-23 at 7.51.09 AM
Screenshot 2026-09-23 at 7.50.48 AM
Screenshot 2026-09-23 at 7.50.28 AM
Screenshot 2026-09-23 at 7.50.13 AM
Screenshot 2026-09-23 at 7.49.55 AM
05-income
04-marketplace
03-wallet
02-portfolio
01-dashboard
06-distributions
05-wallet
04-payments
03-investments
02-exits
01-dashboard

Trace three journeys: an investor going from a first property view through KYC, an order and a payout; an operator taking a partner submission through underwriting and committee review to a funded property; and a compliance officer moving a KYC case to an approved accreditation. The web app carries everything, and the Expo mobile app covers the investor path with broad API parity. Prefer a guided tour of one flow? Book a call and we will open that surface with live data loaded.

No Borrowed Proof

Capability References - What the Build Demonstrably Does

Miracuves has not yet delivered a fractional real estate deployment, so instead of leaning on unrelated case studies, each statement below describes the build itself and can be checked in the live demo above.

Illustrative, Not a Client

Modelled Reference - Multi-Jurisdiction Fractional Property Operator

An illustrative deployment showing how this white label real estate crowdfunding platform would be set up for a fractional property operator working across several jurisdictions. No client engagement sits behind it, and the numbers describe the platform, not outcomes a customer reported.

Modelled Reference, Illustrative Only

Fractional Property Operator
Across Three Jurisdictions

The setup for an operator taking retail money into property SPVs, where the books must balance and a regulator will sooner or later request the list of beneficial owners.

Modelled scenario No client behind it
Property investing Market modelled
Fractional Property Investing and Asset Servicing Industry
77
Data models in the schema
229
API routes counted in the audited build
6 days
From kickoff to live
⚡ Challenges
  • Ownership tracked in spreadsheets an auditor cannot trace
  • Payouts worked out by hand in several files and reconciled on faith
  • No exit for investors until the whole property is sold
🎯 Goal
  • Every money movement posting to an account in a balanced ledger
  • A register that only appends, so beneficial ownership is always answerable
  • Liquidity through a secondary market, not only a full-asset sale
🛠 Solution by Miracuves
  • SPVs and share classes per property instead of one pooled fund
  • Payout batches cleared by compliance and finance before they execute
  • Eight interface locales, Arabic included with right-to-left layout
  • A partner deal pipeline feeding underwriting and committee review
  • UAE, US and UK profiles running in AED, USD and GBP

An illustrative deployment, not work done for a client. Each capability above is part of the base build and can be seen in the live demo. The numbers describe the platform itself, not outcomes a customer has reported.

OY
Named client work is published on its own Real engagements, with the figures those clients reported, sit in the Miracuves portfolio.
Test this against your own mandate We map SPV structure, fee schedules, target jurisdictions and the security hardening plan onto your launch.
Book a scoping call

Start Here

What Is a White Label Real Estate Crowdfunding Platform?

It is the software a real estate crowdfunding business runs on. Investors commit small sums to property they could never buy alone, earn a share of the rent and, at exit, a share of the sale. What makes the category hard is handled here: an ownership register an auditor can trace, a ledger that reconciles, and a clear record of who owns what when a regulator asks.

Fundrise clone cross platform investment app interface

More Than a Listing Site

Property portals display buildings. This platform settles subscriptions, records ownership, pays out distributions and reconciles its ledger. The listings are the smallest piece of it.

No Fund Administrator to Rent

The whole stack is yours instead of a rented fund-administration service. SPVs, share classes, the ownership register and the ledger sit on standard PostgreSQL that you own, with no per-investor fee paid to anyone else.

A Product, Not a Dressed-Up Demo

Every part is built and written up, from the ERD and API collection to a security review. The demo instance runs on sandbox settings; your deployment connects your own providers and is hardened during delivery.

Web, Mobile & Operator Surfaces

What Separates It From a Crowdfunding Script?

Listing pages are the easy part. The hard parts are the cap table, the payout run, the KYC file and the beneficial-owner question, and those already exist in this build.

  • SPVs per property, each with share classes
  • Ledger with double entries and derived balances
  • Scheduled exit windows plus a secondary market
  • KYC, accreditation and gating by investor class
  • Maker-checker approvals in the operator console
Screenshot 2026 09 23 at 7.51.09 AM

The structural choice matters most. Pooled-fund platforms mix investors into one vehicle; this one gives each investor shares in a named property inside its own SPV, with a share class, a certificate and a secondary market to exit through. That is the more flexible starting point. Your license or exemption to operate stays yours to secure; the platform supplies the tooling.

All in the Base Build

Platform Features - Investing, Ledger, Liquidity, Compliance & Operations

Each capability below exists in the build and can be seen in the live demo. The documentation marks 127 capabilities as available, 39 as needing configuration and 30 as needing an integration, and wherever a feature depends on a third-party account, a deployment choice or hardening before launch, the dependency is written next to it, not glossed over.

One SPV Per Property

Every asset is held in a dedicated vehicle with its own share classes, so investors back a named building instead of a blind pool, and the detail page shows the legal structure.

  • Property catalog, detail pages, compare up to four
  • Returns calculator with local projections
  • Discovery by country and city
  • Track record, academy articles and CMS pages

Ownership Register That Only Appends

Holdings are added, never overwritten, so a beneficial-owner request is answered from one record instead of history rebuilt from three systems.

  • Email and passkey sign-in, sessions stored in the database
  • TOTP two-factor with backup codes
  • Passkey registration and login over WebAuthn
  • Device registration linked to push tokens

Balanced Double-Entry Ledger

Integer minor units, entries that balance on each movement, balances computed from entries and corrections by compensation, so wallets and payouts reconcile to the bank.

  • KYC by case, with Sumsub and Onfido integration seams
  • Accreditation submitted, reviewed, expired and kept in history
  • Suitability profile from a risk questionnaire
  • Investor classes: retail, accredited, professional, institutional

Idempotent Order Flow

Each subscription order carries an idempotency key and emits outbox events, so retrying a request never produces a duplicate allocation.

  • SPV and share class shown on each property
  • Valuation history recording method and valuer
  • Due-diligence documents linked to the asset
  • Underwriting across bear, base and bull cases

Distribution Batches

Rent and expenses roll up into gross, tax, fee and net lines, get compliance and finance sign-off from separate people, then settle on the ledger with statements.

  • Signed subscription agreements with evidence kept
  • Orders protected by idempotency keys
  • Allocation, appended ownership and certificate issue
  • Minimums and eligibility gates set by the operator

Secondary Market

Listings, negotiated offers and atomic transfer of ownership, with an investment memo showing premium or discount to the latest NAV required before checkout.

  • Wallets in several currencies, balances derived from the ledger
  • FX quotes and conversion on a bounded rate cache
  • Workflows for deposits and withdrawals
  • Integration seam for Plaid bank verification

Scheduled Exit Windows

Redemption windows the operator schedules, each with a pricing method, fees, holding-period checks and settlement that pays out proceeds and retires the ownership.

  • Payout batches split into gross, tax, fee and net
  • Compliance review, finance approval, then execution
  • Data path for tax withholding, plus statements
  • Ledger settlement that balances, with investor alerts

Whole-Property Sale Votes

Proposals to sell a whole property carry one vote per investor weighted by shares, and sit apart from marketplace trading.

  • Secondary market with listings and offers
  • Checkout gated by an investment memo
  • Exit windows on a schedule with eligibility checks
  • Share-weighted voting on whole-property sales

Underwriting & Committee Review

Bear, base and bull outputs from your assumptions, followed by an independent investment committee decision stored as separate evidence.

  • AutoInvest and rent reinvestment plans
  • Price alerts and watchlists
  • Referral codes, rewards and social sharing
  • Goal planning with portfolio projections

Asset Operations

Tenancies, rent receipts, expenses, valuations and a maintenance workflow with nine states, so the property is managed in the same system that funded it.

  • Portfolio analytics including Sharpe, Sortino and volatility
  • XIRR and maximum drawdown
  • Diversification across type, geography and currency
  • One activity feed plus tax summaries

Compliance Desk

Queues for KYC and accreditation, a 360 view of each investor, audit search and maker-checker on money movements.

  • Tenancies, leases and rent roll
  • Logging of rent receipts and expenses
  • Maintenance requests across nine workflow states
  • Dashboard for property operations

Currencies & Languages

Country profiles configured for AED, USD and GBP, and eight interface languages, with Arabic rendered fully right to left.

  • CRM covering leads, stages, contact history and tags
  • Helpdesk with SLAs, queues, macros and CSAT
  • Announcements, messaging and a knowledge base
  • Eight locales, Arabic right-to-left included

Note for buyers: You receive the software complete, and each deployment is fitted to the operator running it. During delivery we connect your own provider accounts: Sumsub or Onfido for KYC, Stripe, Razorpay or NOWPayments for payments, Plaid for bank checks, S3 or GCS for files, and your email, push and SMS services. Sanctions and PEP screening, native mobile document capture and local tax rules are scoped for your market, not assumed. Tell us your launch country and we will list exactly what gets connected.

Where the Revenue Comes From

Revenue Models - Six Fee Levers Across the Holding Period

Income on a fractional property platform arrives throughout the holding period, not at a single sale, and the fee engine keeps every stream separate so you can adjust one lever without touching the rest.

Platform Fees

Taken when an investor subscribes to a property. It is the steadiest line, since it grows in step with capital raised, not with investor behavior.

Management Fees

Charged on a schedule against what investors own, turning assets under management into a revenue base that compounds.

Secondary Market Fees

Earned on trades between investors, so liquidity becomes a source of income instead of a cost to the platform.

Distribution Charges

A fee line inside each rental payout batch, worked out next to tax withholding instead of added afterwards.

Exit and Redemption Fees

Levied at scheduled exit windows, where the operator sets the pricing method and the fee for each window.

FX Spread

Because wallets hold several currencies and convert between them, cross-border investors produce spread income each time they convert.

The earnings module accrues ownership-based fees on schedule, raises revenue invoices, brings in processor costs as balanced expense entries and reports revenue gross and net in each currency.

Run Daily Without Developers

Operator Console - Pipeline, Distributions, Compliance & Control

Overview, Investors, Properties, Finance, Compliance and Platform group the operator shell, which covers about thirty workspaces. On most fractional platforms this back office gets postponed and is never completed.

Workspaces in the Operator Console

Deal Pipeline & Underwriting

Partner drafts pass through approval, underwriting assumptions and committee review before any property is opened to investors.

Investor Records

A 360 record per investor pulling together holdings, orders, wallet, KYC status, documents, tickets and relationship history.

KYC & Accreditation Review

Review by case with provider evidence, approve or reject actions, reverification opened as a fresh case, and accreditation kept on its own track.

Payout Workspace

Calculate the batch, check line totals, clear compliance, approve in finance, then execute as a different person. This is the control guarding the ledger.

Wallets & Withdrawals

Order review, wallet actions and pending withdrawals held at an approval step that needs a second person.

Marketplace Moderation

Filter listings, inspect offers and trades, suspend or force-cancel, and track volume against average premium or discount.

Asset Servicing

Tenancies, rent receipts, expenses, valuations, rent roll and maintenance tickets with assignee, priority and cost.

Fees & Revenue

Fee schedules, accrual against ownership, revenue invoices, imported processor costs, commission payouts and CSV exports for finance.

Audit Trail & Reports

Search the audit log by resource, action, actor or time window, and export investor, distribution, property, order, KYC and payment data.

  • Dashboard, analytics, oversight and power panel
  • Investor 360, KYC/AML and accreditation
  • Referrals, investor relations and CRM
  • Pipeline, underwriting, properties and operations

Runtime Controls

Toggle maintenance mode, registration gates, MFA policy, session length, rate limits, investment limits, marketplace rules and feature flags while the platform runs.

  • Fees, distributions, wallet and investments
  • Exits, property sales and marketplace moderation
  • CSV exports, audit search and reports
  • Gateway routing, provider status and control center

Set up around how you operate: The permission catalog defines 30 roles by resource, action and scope, and during delivery it is mapped to your own org chart, so finance operators, compliance officers and relationship managers each work from their own surface. Maker-checker on withdrawals and distributions uses your approval thresholds, not a preset.

Buy Once, Own It

How Much Does a White Label Real Estate Crowdfunding Platform Cost in 2026?

Pricing starts at $6,099, paid once, for the full platform with the source code handed over and deployment in 6 days. A rented platform bills a setup fee and then a subscription for as long as you trade, on the vendor’s servers; a script license sells you code with restricted rights and no deployment. Owning it means your database, your investor records and no monthly platform fee. Hardening scope, KYC and payment providers, jurisdictions and mobile depth move the final figure.

Most Popular
Professional
Ready-Built, Yours to Own
$6,099/- one-time
⚡ Go-live: 6 days
Best for: Developers, syndicators & regional property investment firms
The platform you see in the demo, carrying your brand and hosted on your own servers, bought once instead of rented.
Get Started →
Enterprise
Custom Scope, Compliance & Scale
Custom quote
⚡ Go-live: Set by the agreed scope
Best for: Asset managers, family offices, fintechs & institutional sponsors
Built around your market, your mandate and your approval structure, with the extra work quoted to your needs.
Request a Quote →
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Everything You Receive

What's Included - Source Code, Apps & Deployment

The handover is a working platform in full: application source, the data model underneath it, and the document set that technical and compliance reviewers ask to see. Ownership passes to you completely, with no runtime license and no charge per investor.

Web Platform

One codebase built on the Next.js 15 App Router, React 19 and Tailwind that renders the public marketing site, the investor journey and the operator console.

  • React 19 on the Next.js 15 App Router
  • Two versioned families: /api/v1 and /api/mobile/v1
  • 229 API routes counted in the audited build
  • Change, extend and redeploy it as you see fit

Data Model

A single connected graph on PostgreSQL 16: 77 Prisma models and 47 enums spanning property, SPV, share class, ownership, ledger, distributions, compliance, CRM and helpdesk.

  • 47 enums alongside 77 Prisma models
  • A normalized, relation-heavy schema on PostgreSQL 16
  • 60+ fields on every property record
  • 20+ downstream relations per investor record

Ledger Engine

Posting and calculation live in their own package: amounts held as integer minor units, entries that always balance, balances derived on read and corrections made by compensating entries.

  • A separate double-entry engine package
  • Minor units as integers, balances derived
  • Idempotency keys wherever external input writes
  • Ledger and ownership register kept append-only

Operator Workspaces

About thirty workspaces covering pipeline, underwriting, operations, finance, compliance, the marketplace, CMS and a control center.

  • Roughly thirty operator workspaces in one console
  • 30 catalog roles in the permissions package
  • Withdrawals and distributions go through maker-checker
  • Audit entries capture actor, action, resource and time

Investor Mobile App

Built with Expo SDK 52 and React Native 0.76, the app carries the investor journey on iOS, Android and web with wide API parity.

  • Mobile app on Expo SDK 52 and React Native 0.76
  • Runs on iOS, Android and React Native Web
  • Tracks the investor web journey closely
  • Security and contract hardening still to be done

Roles and Permissions

Resource, action and scope definitions for 30 catalog roles, with navigation filtered by permission. Enforcement at route level is finished during delivery.

  • Adapters for KYC, payments and storage providers
  • Sumsub, Onfido, Stripe, Razorpay and NOWPayments
  • Plaid, S3 or GCS, SendGrid, FCM and Twilio
  • Every account and credential is yours

Provider Seams

Integration points for KYC, payments, bank linking, storage, email, push, SMS, AI, maps and FX, all running on vendor accounts you hold.

  • 8 locales, Arabic right-to-left among them
  • Country profiles with AED, USD and GBP
  • A shared design system and UI token package
  • Print surfaces built for certificates

Documentation Suite

Ten documents in all, among them the ERD, the schema, an API collection, a security handbook, a VAPT compliance review and a product dossier labeled by status.

  • A suite of ten technical documents
  • ERD, schema and a full API collection
  • Security handbook plus VAPT compliance review
  • Status-labeled technical product dossier

Prefer to see it working first? Sign in to the demo under any of the three roles listed above, or book a walkthrough: we will show a subscription turning into ownership, a distribution batch passing compliance and finance, and a secondary listing changing hands, using your own fee model.

Who Buys It

Who Is This White Label Real Estate Crowdfunding Platform For?

It fits developers, syndicators, asset managers and fintechs raising retail or high-net-worth money into property on their own brand and their own permission to operate. Sourcing buildings is rarely the bottleneck; looking after investors properly once they hold shares is.

When your business rests on a cap table that is right, distributions that reconcile and a clear answer when a regulator asks who owns what, owning the infrastructure is what separates growth from a stall.

Where It Applies

Use Cases - Residential Shares, Commercial Assets, Developer Raises & Regional Growth

Which kind of operator you are depends on the part of the lifecycle you lead with. A retail fractional product relies on discovery and secondary trading, a developer platform on the partner pipeline and underwriting, a syndicate on certificates and statements. Each one is a configuration, not a fork.

Retail Residential Shares

Offer shares in named homes to retail investors, pay rental income out monthly and let holders sell on a secondary market.

Commercial Assets

Run larger commercial assets with institutional tenants, with tenancy management, valuation history, expense tracking, underwriting scenarios and property types built for them.

Developer Capital Raising

Let property partners push deals into a pipeline while your team underwrites them, takes them through investment committee and opens them to investors.

Syndicates Going Digital

Move an informal private syndicate online, so existing investors get a portal with certificates, statements and tax summaries rather than attachments by email.

Regional, Multi-Market Growth

Enter new markets using country profiles already configured for the UAE, US and UK, wallets in several currencies, 8 locales and Arabic right-to-left.

Integrator-Led Builds

As an integrator, hand a client an investment platform built on a documented domain (77 models, 229 routes) instead of an empty repository.

One codebase, many setups. All six use cases share the same domain model and the same three surfaces. Only settings differ: feature flags, minimums, investor classes, the fee schedule and the country profile, so there is no separate fork to maintain.

The Case Now

Why Operators Are Launching Property Investment Platforms in 2026

Retail investors want property more than almost any other asset and find it harder to reach. Fractional ownership fixes access; the winners are operators whose back office keeps working as investor numbers climb.

Access Is What Sells

Fractional ownership is the one structure that gives people property exposure at retail ticket sizes, with no deposit, no mortgage and nothing to manage.

Operations Decide Who Scales

Buildings are not hard to find. Keeping a thousand investors served across cap tables, distributions, tax statements and compliance queues is where platforms stall.

Liquidity Converts Hesitant Investors

Investors hesitate at subscription when they fear being locked in for ten years. A secondary market answers that fear more directly than any other feature.

Scrutiny Comes With the Territory

Expect beneficial ownership, investor suitability and money flows to be examined. With an append-only register and an audit trail, that conversation stays short.

Investors Cross Borders

Buying property abroad is now an everyday investor choice, so multi-currency wallets, FX and locale support belong in the launch scope, not a later phase.

Buying Beats Building

Recreating the ledger, compliance, operations and liquidity layers from scratch takes years. A white-label deployment runs on your own server in six days.

The Platform in Figures

77
Data Models
229
API Routes
30
Catalog Roles
8
Locales

That back office is where the years go. The ownership register, a ledger that reconciles, KYC case handling, batched distributions with approvals, secondary trading and a full audit trail are all dull, all required and all slow to get right.

What It Runs On

Tech Stack - Next.js 15, Expo, Prisma & PostgreSQL 16

An investment platform depends on three things below the surface: a data model that records ownership accurately, a ledger that reconciles, and provider seams you can swap as you add markets. This is the stack that delivers them.

Web & Admin Surfaces

Next.js 15 · React 19 · Tailwind

  • Public, investor and admin surfaces from one App Router
  • Design tokens in a shared UI package
  • Print layouts fit for certificates
  • 8 locales, including Arabic right-to-left

Database Layer

PostgreSQL 16 · Prisma · 77 Models

  • Every lifecycle state captured across 47 enums
  • 60+ fields on property records
  • 20+ relations on investor records
  • Ledger and ownership kept append-only

Ledger Engine

Double-Entry · Minor Units

  • Every money movement posts balanced entries
  • Balances computed on read, not stored
  • External-input writes carry idempotency keys
  • Corrections made by compensating entries

API Surface

Versioned REST · 229 Routes

  • /api/v1 and /api/mobile/v1 kept as separate families
  • Async work driven by outbox events
  • AutoInvest and exit windows run as background jobs
  • Provider callbacks enter through webhook boundaries

Mobile App

Expo SDK 52 · React Native 0.76

  • Ships to iOS, Android and React Native Web
  • Close parity with the investor web flow
  • Registers devices and push tokens
  • KYC document capture is simulated, not native

Provider Integrations

KYC · Payments · Storage · Comms

  • Identity checks via Sumsub and Onfido
  • Routed payments across Stripe, Razorpay and NOWPayments
  • Plaid for bank links, S3 or GCS for files
  • SendGrid, FCM and Twilio, with AI and maps

For technical buyers: each external provider, from the KYC vendor and payment processors to Plaid, object storage, email, push and SMS, is connected on an account you hold, so the commercial relationships are yours and any of them can be replaced market by market. The demo relies on sandbox providers and default settings, as any demo must. Your deployment is hardened during delivery: webhook signature checks native to each provider, the 30-role permission model enforced on every route, gated admin access, managed secrets, and an independent penetration test if you choose to commission one. The code arrives with a VAPT compliance review and a complete security handbook, so your security team reviews documents instead of a black box. Every layer is a mainstream technology with a deep hiring pool, and the schema moves to any PostgreSQL instance.

Step by Step

How It Works - From Deal Sourcing to Distributions and Exit

From outside, a fractional platform resembles a property listings site. Underneath, it is a tightly ordered pipeline of sourcing, compliance, ledger and servicing steps. This is the route from a developer’s submission to an investor’s exit.

Lifecycle - Partner Submission Through to Investor Exit

05-marketplace
Sourcing Deals

A property partner submits an application, which sets up a developer relationship, and then enters the property as a draft in the pipeline.

  • Developer record created from the partner application
  • Property drafted and edited by the partner
  • Partner routes check ownership and draft state
  • Drafts pass into the admin pipeline for review
1
05-marketplace
04-order-approval
Underwriting and IC Review

No property goes live because someone says so. Assumptions are modeled first, then an investment committee logs its own independent decision.

  • Assumptions saved against the property
  • Bear, base and bull scenario results
  • Committee review kept as separate evidence
  • Status moves from draft to approved
2
04-order-approval
03-holdings
Onboarding Investors

Registration creates the wallet, ledger account, investor profile and user in a single transaction, and suitability is settled before any order can be placed.

  • Sign-up by password or passkey
  • KYC case submitted and reviewed by the provider
  • Accreditation and risk questions
  • Investor class assigned, with gating
3
03-holdings
07-wallet-summary
Subscribing and Funding

Placing an order signals intent; it does not create ownership. It sits as payment-pending and only a verified settlement callback can confirm it.

  • Shares chosen within minimums and availability
  • Subscription agreement signed, with evidence kept
  • Each order carries an idempotency key
  • On settlement, allocation happens and ownership is appended
4
07-wallet-summary
08-statements
Holding and Paying Out

With ownership recorded, servicing begins: rent comes in, expenses are logged and income flows out through a chain of approvals.

  • Certificates generated from durable records
  • Tenancies, rent receipts and expenses logged
  • Batch lines for gross amount, tax, fees and net
  • Compliance review, then finance approval, then ledger execution
5
08-statements
03-portfolio
Exits and Liquidity

There are three ways out for an investor, and every one follows a governed path instead of a side arrangement.

  • Listing on the secondary market with an investment memo
  • Offers negotiated, ownership transferred atomically
  • Exit windows on a schedule, with eligibility checks
  • Sale of the whole property, decided by weighted investor vote
6
03-portfolio

Visual Flow Diagram

Source → Underwrite → Fund → Own → Distribute → Exit

Design Choices

Architecture - One Domain, a Ledger Core & Swappable Providers

Three Surfaces, One Core

Investor web, operator console and mobile share one set of models and business rules, so adding a surface never means rebuilding the core.

Integer Money

Amounts are held in minor units, which rules out floating-point rounding errors in a system whose whole purpose is getting money right.

Balances From the Ledger

Wallet balances are calculated from ledger entries instead of being stored and overwritten, so they cannot quietly drift from the transaction history.

Safe Retries

Each write driven by external input carries an idempotency key, so a repeated payment callback or an order submitted twice never produces a second allocation.

Outbox Events and Scheduled Jobs

Changes of state emit outbox events that a jobs endpoint drains; the same endpoint runs AutoInvest and exit-window transitions on schedule.

Swappable Vendors

KYC, payments, storage, messaging, AI, maps and FX each sit behind an interface with a sandbox fallback, so you can change vendor market by market.

Scale, Honestly

Built to Scale - Relational Data, Ledger-Derived Balances & Open Gaps

Where convention works, the design is conventional; where investment operations need something special, it specializes: a normalized relational domain, a ledger that derives balances instead of storing them, and async work behind an outbox. Gaps are written down, not presented as solved.

Relational by Design

Investors carry upward of twenty downstream relations, and a property holds more than sixty fields spanning identity, fundraising, projections, physical spec, rental economics and regulatory data.

In practice this means:

  • One record serves retail marketing and institutional underwriting
  • Property data is never duplicated between surfaces
  • Reports join tables instead of reconciling them
  • A new market adds configuration, not new tables

Accuracy Comes First

When a platform holds ownership and money, scaling begins with whether the figures stay correct under concurrent load, not with requests per second.

What the financial core gives you:

  • Integers in minor units end to end
  • Double-entry postings that always balance
  • Balances derived so they cannot drift
  • External-input writes keyed for idempotency

Async Work, Stated Plainly

Distribution notices, AutoInvest runs and exit-window transitions are handled by outbox events and a jobs endpoint.

What exists now, and what does not yet:

  • Outbox pattern and jobs endpoint are built
  • AutoInvest uses deterministic daily execution keys
  • A durable, lease-based queue is deployment work
  • Retries, dead-lettering and alerts still need adding

What Delivery Covers

The demo uses sandbox providers, which is the point of a demo. Moving the platform into production follows a defined checklist rather than an open-ended question.

Delivery includes:

  • Connecting your own payment, KYC and storage providers
  • Verified signatures and reconciliation for each callback
  • The 30-role model enforced at route level
  • Configuring jurisdiction, fee schedule and policies

Relational Schema

77 models joined by explicit relations instead of flattened blobs, giving reporting and compliance queries a truthful place to run.

State From the Ledger

Holdings and balances are calculated from append-only records, turning reconciliation into a query instead of an investigation.

Second-Actor Controls

A second person must sign off withdrawals and distributions, guarding the operator against both insider error and insider misuse.

Markets by Configuration

A new market goes live through country profiles, currencies, fee schedules, investor tiers and feature flags, with no change to the core.

Findings on Record

Each item in the security review is listed with its route and impact, so hardening becomes a checklist we work through instead of something discovered at your expense.

Quoted Up Front

You see the deployment checklist and its price before signing, so the cost and coverage of going to production are known in advance, not afterwards.

Made to Extend Over Time

Each operator needs something particular to its jurisdiction and mandate, and because the stack is conventional, extending it is routine work.

A new market is a country profile plus a currency; a new provider is an adapter behind an interface that already exists. Next.js, React, TypeScript, Prisma and PostgreSQL all have deep hiring pools.

For founders and operators: The difficult part of this category is built and documented already. What is left depends on your market, your providers and your approval chain, which is what a deployment engagement settles, scoped and priced before you commit. Your license or exemption and your legal structure stay yours to obtain.

Open to Audit

Platform Security - Documented, Graded & Openly Disclosed

The security story is written down rather than claimed. A VAPT compliance review aligned with the OWASP top ten and a developer security handbook ship with the code, so your security team assesses a document set instead of reverse-engineering a codebase.

Sessions, MFA & Passkeys

Opaque sessions stored in the database with cookie or bearer transport, TOTP plus backup codes, and WebAuthn passkeys for registration and sign-in.

Ledger Integrity

Integer minor units, double-entry posting, derived balances and idempotency keys, with corrections made through compensating entries rather than overwrites.

Maker-Checker Approvals

A withdrawal needs a second approver, and each distribution batch clears compliance review and then finance approval before a third person executes it.

Paperwork for Diligence

The developer security handbook and a VAPT review aligned with the OWASP top ten list findings by route and impact, so diligence means reading documents, not digging through code.

Hardening Done in Delivery

Admin route gating, webhook signature verification native to each provider, secret management, and enforced password and lockout policy are finished against your environment during delivery.

Role Catalog, Enforced in Delivery

Each of the 30 catalog roles has resource, action and scope definitions. Delivery adds enforcement at route level and maps the roles onto your real team structure.

The controls a regulated investment operator gets asked about are part of the architecture: opaque sessions held in the database, TOTP multi-factor with backup codes, WebAuthn passkeys, a double-entry ledger with idempotent external-input writes, maker-checker sign-off on withdrawals and distributions, an audit log of actor, action, resource and time, and a control center holding session length, login limits and rate limits, with their enforcement completed during delivery. Hardening at deployment then carries that documented architecture into your production environment.

Extend the Scope

Add-On Modules - Hardening, Provider Accounts, Markets & Mobile

As delivered, the platform is feature-complete and can be demonstrated end to end. These modules are the ones operators add most often, either because a third-party account is involved or because the documentation lists them as outstanding before production.

Hardening Package

Admin route gating, webhook verification native to each provider, RBAC enforcement at route level, secret management and an enforced lockout policy, all delivered against your environment.

Identity Vendor Setup

Sumsub or Onfido wired in correctly: verified callbacks, state mapping, a PII retention policy and an escalation procedure.

Payment Rails Beyond Sandbox

Deposits default to sandbox mode. Hooking up Stripe, Razorpay or NOWPayments with settlement, reconciliation, refunds and disputes is scoped separately.

Sanctions & PEP Screening

A data model for screening is present, but no live screening is wired up yet. Regulated operation needs a screening vendor connected and an escalation policy defined.

Market Setup

Country profiles, withholding tax rules, investor classes and versioned legal agreements, reviewed with your counsel for every market. The license or exemption stays yours to obtain.

Mobile Hardening

Native capture of KYC documents in place of the simulated flow, a consistent refresh path, runtime validation of payloads and a review of secure storage.

Multi-Brand Tenancy

There is no tenant isolation or branding editor today: one deployment carries one brand. Adding several brands is architecture work, not a toggle.

Acceptance Testing

End-to-end lifecycle tests on a throwaway database, plus the cases the playbook requires: unauthorized actors, wrong owners, duplicate requests and stale state.

Planning More Than Property Investment? The Wider Suite Connects.

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Why It Pays

Business Case - Fee Levers, Recurring Income & Exit Value

Revenue on a fractional property platform grows with assets under management instead of starting from zero each month. Each funded property adds a management fee base that keeps earning for as long as it is held.

Six Fee Levers

Set each one on its own: subscription fees, management fees, secondary trade fees, distribution charges, exit fees and an FX spread.

A Base That Builds

Because management fees accrue on a schedule from ownership, the book of assets turns into recurring income instead of a treadmill of fresh raises.

Your Register, Your Moat

Once an investor holds positions, certificates and a payout history with you, leaving is costly, and a rival cannot carry your operating record away.

Value at Exit

You own the complete source and the 77-model schema on plain PostgreSQL. In diligence a documented domain reads as an asset, not a black box that needs explaining.

How do operators usually reach first revenue?

Start with a few assets you already control or can source fast, since early properties must fund to convince later investors. Platform fees can be collected from the very first subscription, and management fees start accruing from ownership straight away. Expect the secondary market to stay quiet until the register is big enough for buyers and sellers to meet; that is normal, not a fault. The path that works: a short hardening and configuration phase, then a controlled launch with a few assets and invited investors, then open registration after at least one distribution has run cleanly.

Features are easy to copy; your register and operating track record are not. An investor whose holdings, payout history and tax statements all sit with you across several properties faces a real cost to leave, and a regulator that has already reviewed your processes is something a newcomer cannot replicate. The platform’s job is to make onboarding quick enough to grow that register, keep the ledger accurate enough to trust, and leave the whole record with you instead of a fund administrator that can reprice you.

Illustrative Growth Scenarios

Owning the platform matters here because the real asset is the investor register plus the operating record. Both belong to whoever operates the infrastructure, so renting fund administration puts a cap on what you can build.

Controlled Launch

10

Properties Funded

Subscription and management fees begin building from the first asset.

A handful of curated assets prove the operating model while the register is still small enough to service manually.

Scaling Up

100

Properties Funded

Secondary trade fees and FX spread add to the recurring income.

At this size distribution batching and the compliance queue carry real volume, and the back office pays for itself.

Across Markets

1000

Properties Funded

Fee schedules per jurisdiction and investor tiers each add revenue.

Country profiles and currency support let one branded deployment serve several national markets.

Why Miracuves

Miracuves vs Other White Label Crowdfunding Software Vendors

Buying a real estate crowdfunding platform usually means renting a subscription, buying a script, hiring an agency, or owning the software outright.

Why Operators Choose Miracuves

Double-Entry, Not a Balance Field

Every posting balances, amounts are integer minor units and balances are derived. A typical crowdfunding script keeps one number in a wallet field and trusts it.

Per-Property SPVs Built In

Each property sits in its own vehicle with share classes and an append-only ownership register, not a pledge figure hanging off a campaign.

A Back Office That Is Really There

Deal underwriting, committee review, batched distributions, compliance queues and an audit trail. Many scripts in this space stop at an investor portal.

The Source Is Yours

You get the whole Next.js and PostgreSQL codebase to change and deploy as you like. No per-investor charge, and no administrator able to reprice you.

Documented for Diligence

An ERD, an API collection, a security handbook and a VAPT review sit in a ten-document suite, enough to support an investor or regulator conversation, not just a demo.

Scope in Writing

Every capability in the ten technical documents carries a status label, so before you pay you can see what ships, what depends on your own provider account and what is set up for your market.

Compare Your Options: Owning the Platform vs
Renting It or Commissioning a Build

Criteria Miracuves White Label Platform Rented White Label SaaS Custom Dev Agency
Time to Launch 6 days to deploy Vendor onboarding queue 6-9+ months
Source-Code Ownership ✔ Full source handed over None, access is rented Usually yes
Fractional Property Depth SPVs, ledger, secondary market Often campaign-style pledges Depends on budget
Controls & Compliance Tooling Maker-checker, audit log, VAPT review Set by the vendor Varies widely
Hosting & Data Your server, your database Vendor's servers Wherever it is built
Revenue Levers Six configurable fee levers Limited to the vendor's plans Custom (more time & cost)
Operator Back Office Roughly 30 operator workspaces Often investor portal first Custom build (extra cost)
Pricing Model $6,099 once, no monthly fee Setup fee plus monthly fee High cost, slow
Ongoing Support & Updates Support plans available Tied to the subscription Depends on contract

Not every path to a fractional property platform holds up once auditors start asking questions. This is where the routes part ways.

Industries

Industries We Serve

This platform fits any operator putting capital into property. Fractional residential platforms run the whole flow from sourcing to exit. Commercial landlords work larger assets with underwriting, tenancy records and valuation history. Developers raise directly through the partner pipeline. Asset and fund managers swap CRM, spreadsheets and outsourced fund administration for a single model. Family offices and syndicators move existing private raises online. REIT operators rely on multi-currency support and country profiles. Proptech startups start from a ledger-backed core, estate agencies extend brokerage into investment products, and systems integrators build client platforms on top of a documented domain.

Miracuves built this as the platform underneath the real estate crowdfunding clones: an SPV-native investment system that adapts to any property-backed capital raise, works across jurisdictions when your footprint needs it, and carries your brand throughout.

Changelog

Real Estate Crowdfunding Platform Release Log - Version History & Updates

Version Date What's New
v2026.1 Sep 2026 First release: a fractional real estate platform with per-property SPVs, a double-entry ledger, a secondary market and an operator console.

Blog & Resources

White Label Real Estate Crowdfunding - Latest Insights & Guides

Guides, trends and explainers covering real estate crowdfunding, fractional ownership, onboarding investors and running a property investment platform day to day.

FAQ

White Label Real Estate Crowdfunding FAQ - Pricing, SPVs, Licensing & Readiness

Straight answers on ownership, rebranding, licensing and what still gets configured at delivery.

What is a white label real estate crowdfunding platform?

Investment software you run on your own brand. Investors browse properties, buy shares in a specific property held in its own SPV rather than a pooled fund, collect rental payouts and can sell their holding to other investors on a secondary market. Your operations team handles underwriting, committee review, distribution batches and compliance in a single console. You receive 229 API routes, an Expo mobile app, a Next.js 15 web app and a PostgreSQL schema of 77 models.

A subscription is a monthly fee for software that runs on the vendor’s servers, and access usually ends when payments stop. Here you pay once, $6,099, the source is handed over and it is deployed to infrastructure you control, so there is no monthly platform fee. Ownership does not make running costs vanish: hosting, payment gateways, KYC providers and your licence remain your expenses. What changes is that the code, the database and the investor records stay yours.

In most markets, yes. Owning and deploying the software is lawful; operating it is a regulated activity almost everywhere, and securities, crowdfunding and collective investment rules differ by country. You, the operator, obtain your own licence or exemption and set up your own legal structure with counsel before accepting investor funds. Miracuves supplies software, not permission to operate. The platform gives you compliance tooling (KYC case management, accreditation, investor classes, audit logging, maker-checker), but tooling is not authorization.

$6,099, paid once, for a white label deployment on your brand with the source included. What moves the final scope is the security hardening you want, the KYC and payment provider integrations, jurisdiction setup and how deep you go on mobile.

We need six days to rebrand it and deploy it to your server. The calendar stretches only while we wait on you: brand assets, hosting access, your property data and accounts with the KYC vendor and payment processors. We strongly recommend finishing security hardening before you open to the public; that work is scoped on its own, and we will tell you honestly how long it takes.

A scoped deployment engagement, priced before you commit. The demo linked above uses demo accounts and sandbox providers, which is right for a demo. For production we connect your own payment processor and KYC vendor with provider-native signature checks and reconciliation, apply the 30-role permission model to each route, mapped to how your team is actually organized, put a gate on every admin surface, set lockout and password rules to your risk appetite, and set up jurisdiction settings, fee schedules and legal agreements. A security handbook and a VAPT review ship with the platform, so an auditor or pen tester of your choosing has a starting point. Nothing here surfaces late: it is a written checklist from our first call.

Why does a double-entry ledger matter to an operator?

You reconcile instead of investigating. Each money movement posts entries that balance, amounts are kept as integers in minor units so floating-point drift cannot creep in, wallet balances are computed from entries instead of held separately, and mistakes are fixed with compensating entries, never edits. In practice you can check a distribution run against a bank statement and answer an ownership question from the append-only register, not by piecing together three systems.

A holder lists shares, other investors bid, and once a trade is accepted the ownership transfer and ledger entries post together atomically. Before paying, a buyer has to open an investment memo covering valuation history, tenant metrics, occupancy and yield, the capital structure, the property proposal and the due diligence file, plus the seller’s price and fees and the premium or discount against the latest NAV. Operators can moderate or force-cancel listings and track volume and average premium. It does not connect to any external exchange.

There are two other routes. Operators can open scheduled exit windows with a pricing method and a fee; eligible investors file redemption requests, which are checked against holding period and shares held, and settlement pays out proceeds and burns the ownership. A sale of the whole property can also be proposed, and investors vote yes, no or abstain, each vote weighted by shares held. Neither route guarantees redemption, and nothing here should be read as a promise that it will.

Out of the box it is set up for the UAE, the United States and the United Kingdom, in AED, USD and GBP. The interface runs in eight locales, Arabic included, with a full right-to-left layout. A new market is a country profile plus currency and tax settings, not a code fork, though getting tax right for a jurisdiction and wording the legal agreements needs your counsel and provider certification.

Everything your investors see: your name, logo and colors, your domains, the app store listings, the emails and the documents. Behind that, the source, the database and the investor records are yours outright. The codebase you receive covers the web app (Next.js 15) including the operator console, the mobile app built on Expo, 229 API routes, the financial engine, the permissions package, provider adapters and a Prisma schema with 77 models and 47 enums, all free to modify and extend.

Whatever depends on your market or your vendors. Your payment processor and KYC provider accounts, and live settlement through them. Sanctions and PEP screening: the data model exists, but no screening runs until a vendor is connected under your compliance policy. Native mobile document capture, which is simulated in the demo build. Tax withholding and legal agreement wording for your jurisdiction, which your counsel must settle rather than us guessing. Running more than one brand from a single deployment, an architecture addition scoped separately, because one deployment serves one operator brand. Finally, permission to operate, which no software vendor can give anyone: you hold the licence or exemption, and the platform provides the compliance tooling to work within it.

Own the platform

Run crowdfunding on
a platform you own.

Get a free consultation, a written scope and honest answers on what your launch still needs.

Replies within 24 hrs
No-cost first call
No monthly platform fee
Source code handed over
Ownership

What White Label Actually Means Here

Most white label crowdfunding software is rented by the month and runs on the vendor's servers. Here is exactly where the line falls on this platform.

What carries your brand

The platform name, logo, colors and domain, the investor web app, the iOS and Android app names, icons and store listings under your own developer accounts, and the wording of every email, statement and notice your investors receive. Share classes, country profiles and the eight locales are configuration, so a rebrand is not a rewrite.

What you own outright

The codebase end to end: the Next.js investor and operator apps, the Expo mobile apps, the PostgreSQL schema behind all 77 models and the 10-document technical suite. There is no license fee, no revenue share and no charge per investment, and no condition on changing, extending or redeploying it.

What white label does not mean

It is not permission to raise money from the public: your license or exemption, the legal structure of each property and your custody or trustee arrangements are yours to put in place. The platform does not hold investor funds, does not run sanctions or PEP screening and is not certified by any regulator; it is hardened around your deployment before launch. One installation serves one operator brand.

Explore the White Label Real Estate Crowdfunding Platform
Disclaimer

Miracuves is an independent software development company. We are not affiliated with, connected to, sponsored by, or endorsed by Fundrise, GetStake or any other real estate investment platform.

About this category

“White label real estate crowdfunding platform” describes a category of product, not any one company. Brand names appear elsewhere on this site only to describe the kind of platform being built and the terms buyers search for.

Licensing is yours

We supply software, not permission to operate. Obtaining any license, registration or exemption needed to offer investments in every market you accept investors from is your responsibility, as are investor eligibility checks, offering documents, custody of investor funds and the legal structure of each property. We do not advise on any of it.

Who built this

The entire design and codebase is built by our own team. The product contains no code, design, graphics, or content originating from any third-party real estate investment website or application. All third-party names and marks belong to their respective owners.