RUUF is a proptech and fintech solution that brings together individuals seeking homeownership and real estate investors on a digital platform through a progressive ownership model.

In Turkey, there is strong demand both from individuals for homeownership and from investors for real estate investment funds. However, limited access to traditional mortgage solutions and the need for alternative financing models create a substantial gap in the market. RUUF addresses this gap through a sustainable financial structure based on progressive ownership.

RUUF’s revenue model is built on three pillars: fund management fees, brokerage commissions, and platform operating fees. Its growth depends heavily on the expansion of real estate investment funds and the accumulation of demand-side user data. RUUF uses proprietary housing data and an AI-powered matching engine to connect users with suitable properties, while generating commission revenue through licensed agents. The platform's data-driven infrastructure creates a strategic advantage through this growing portfolio.

RUUF operates on a multi-layered B2C model that monetizes both investors and homebuyers. It collects a 1.5% service fee and a 2% brokerage commission from buyers. Additionally, RUUF charges a 1% annual management fee on the total size of the real estate investment funds (REIFs). RUUF Invest generates further income through a revenue-sharing agreement on the assets under management of individual investors. As RUUF is not a licensed intermediary, Ünlü Menkul provides brokerage services, with a 70-30 revenue split in RUUF’s favor.

At its core, RUUF creates an ecosystem that optimizes both homebuyer access and investor returns. The model is structured under two pillars: RUUF (for homebuyers) and RUUF Invest (for investors). After creditworthiness assessments conducted jointly by RUUF and Aktif Bank, eligible users sign notarized forward sale agreements with REIFs managed by Aktif Portfolio, legally initiating the path to homeownership. The fund remains the sole owner of the property until all obligations are fulfilled, minimizing risk and ensuring legal clarity.

The establishment of REIFs is carried out in collaboration with Aktif Bank. One of the most valuable partnerships is with N Kolay, which supports RUUF in marketing and investor acquisition. This partnership enables N Kolay users to be directed toward RUUF Invest, enhancing brand recognition and operational efficiency.

We foresee significant market potential for RUUF, driven by rising housing demand, limited financing options, population growth, and economic pressures. Its innovative, risk-free structure and strategic partnerships distinguish RUUF from existing models, positioning it as a strong and sustainable market player. The platform’s current user demand, financial model, and the founding team’s strength indicate high investment potential.

RUUF has no direct competitors in Turkey. Its initial target market is local, with plans for scalable expansion. Some alternatives in the Turkish market include interest-free, community-based savings models such as Birevim, FuzulEv, Katılımevim, and Finansevim. However, these are primarily financing-focused and lack real estate-driven ownership. RUUF’s differentiation lies in its ability to provide immediate move-in capability and a data-driven, investor-backed progressive ownership model.

As of today, RUUF has received over 4,687 property applications. Based on current user demand and fund expectations, the company projects to achieve positive cash flow by Q3 2025.

RUUF does not carry NPL (non-performing loan) risk. All forward sale agreements are executed before a notary between individuals and the REIFs managed by Aktif Portfolio. As the fund retains ownership until all payments are completed, in the event of a default, all negotiations will be handled between Aktif Portfolio and the individual, ensuring asset security and legal integrity.