Dubai-based property management company Keyper has launched a rent-now-pay-later (RNPL) marketplace designed to reshape how tenants pay for housing in the UAE. The platform allows renters to spread their annual lease cost across 12 equal monthly instalments — eliminating the large upfront payment that has long been a barrier to renting in Dubai.
What Is Keyper's Rent-Now-Pay-Later Marketplace?
Keyper's RNPL Marketplace is a fully digital, paperless rental platform featuring pre-approved properties from some of Dubai's most reputable real estate agencies. Every listing is priced for a 12-month monthly subscription model, meaning tenants browse and commit to properties with monthly figures — not the daunting annual total.
To join, prospective tenants complete an eligibility check powered by Uqudo (digital identity verification) and Lean Technologies (open banking integration), all from a mobile device. Once approved, tenants pay monthly by credit or debit card.
A Win for Landlords and Agents Too
The service is structured so that landlords are not disadvantaged. Keyper pays landlords their full annual rent upfront, absorbing the instalment risk itself. That means property owners get the certainty they want while tenants get the flexibility they need.
Alessia Sheglova, CEO of Dacha Real Estate — one of Keyper's launch partners — summed up the appeal plainly: "Tenants can pay monthly with their credit card while landlords get upfront payments and agents sell properties faster."
Omar Abu Innab, CEO of Keyper, added: "By offering monthly payments, we're helping tenants manage their finances and modernising the rental experience."
How It Fits Dubai's Paperless Strategy
Keyper's fully digital model aligns with Dubai's broader push toward paperless government and business processes. There are no physical documents to sign; the entire rental journey — from eligibility screening to contract signing — happens digitally.
This approach also reduces the total move-in cost burden on tenants, who in a traditional Dubai rental would need to hand over one or more post-dated cheques covering months of rent at once.
Expansion Plans Across the UAE
The RNPL marketplace launched in Dubai in September 2024, but Keyper has confirmed plans to extend the service to other UAE emirates, including Abu Dhabi, through partnerships with major real estate agencies across the country.
The launch marks a significant step toward modernising the UAE's rental infrastructure and improving financial accessibility for the thousands of new residents who arrive in the country each year.
