In crypto investing, attention is often focused on price appreciation and potential gains. Yet experienced investors quickly realize that the real challenge lies elsewhere.
The most difficult question is not how to buy, but how to exit — how to convert digital assets into usable, real-world value.
Without a clear plan for where, how, and under which rules profits will be realized, even significant gains remain theoretical.
The complexity of crypto exits goes far beyond market volatility.
Different jurisdictions apply different regulations and tax treatments. Exchanges can change rules without notice. Banks may question or block incoming funds. Tax obligations often arise the moment profits are realized.
As asset values increase, these issues become more serious, making exit planning essential rather than optional.
What distinguishes ROMA’s approach is its focus on designing systems with exits in mind from the beginning.
Rather than emphasizing speculation alone, the framework considers:
This represents a shift from speculative crypto toward functional, usable digital value systems.
The crypto market is gradually moving from a speculative phase to one where usability, integration, and sustainability matter.
In this environment, assets that clearly define how value can be realized — legally and practically — gain credibility. ROMA’s direction reflects this broader maturation of the market.
For today’s crypto participants, the key questions are changing:
Success now depends not only on entry timing, but on having a clear and workable exit strategy.
Thinking about exits is a sign of serious, mature investing.
ROMA’s message is not about hype, but about connection — connecting digital assets to the real economy in a sustainable way.
As the crypto space evolves, projects that can clearly explain their exit pathways will stand apart from those that cannot.
When news breaks about investment fraud, attention often focuses on whether the perpetrators have been arrested. However, for victims, the real concern is far more practical: can the lost money be recovered?
In reality, even when criminals are arrested, victims frequently never see their funds again. This is because criminal prosecution and financial recovery are fundamentally different processes.
There are several reasons why recovering money from investment fraud is extremely challenging.
Fraudulent funds are often transferred rapidly across multiple accounts and jurisdictions. In many cases, cryptocurrencies or overseas financial institutions are used, making it difficult to trace the money.
Moreover, criminal investigations aim to establish guilt and impose punishment — not to return money to victims. Even a conviction does not guarantee compensation.
In addition, perpetrators often have no assets in their own names, or the money has already been spent, leaving victims with little or nothing to recover through civil claims.
One of the most common misconceptions is that arrest automatically leads to financial recovery. In truth, arrest is only the beginning.
Successful recovery depends on identifying where the funds went, who controls them, and whether legally recoverable assets still exist. As time passes, these possibilities diminish rapidly.
After discovering fraud, emotional reactions are understandable — but speed and realism are critical.
Victims should consider:
While recovery is not always achievable, doing nothing almost always worsens the outcome.
Investment fraud highlights a harsh reality: prevention is far more effective than post-damage response.
Skepticism toward “guaranteed returns,” unclear business models, and urgency-driven offers is essential. Understanding these warning signs remains the strongest form of protection.
In investment fraud cases, arrest may bring a sense of justice, but it rarely brings financial closure.
By understanding the limitations of recovery and responding calmly and quickly, individuals can minimize damage and make better decisions going forward. Knowledge, not hope, is the most reliable safeguard.
ECOWAS is a regional political and economic union formed in 1975 to promote cooperation among West African countries. Its initial mission was to create a unified economic space by reducing trade barriers and fostering cross-border commerce.
Over time, the organization expanded its scope to include political stability, peacekeeping, and security cooperation. It now plays a broader role in conflict mediation, election monitoring, and facilitating the free movement of people and goods.
Headquartered in Abuja, Nigeria, ECOWAS traditionally included 15 member states, though recent political developments have reduced active membership.
ECOWAS aims to strengthen regional economies through shared markets, infrastructure, and long-term strategies such as the introduction of a common currency, the ECO.
Alongside economic cooperation, ECOWAS has become a significant actor in regional security. It has intervened during periods of political instability, offering mediation and enforcing sanctions when necessary to uphold democratic principles.
In recent years, West Africa has experienced multiple coups and political crises. As a result, Mali, Niger, and Burkina Faso withdrew from ECOWAS and established a new alliance, the “Sahel Coalition,” signaling a major realignment in the region.
Their departure highlights tensions between ECOWAS’s governance principles and the political realities within certain member states. This shift has challenged the bloc’s ability to maintain cohesion and ensure regional stability.
At the same time, ECOWAS faces broader issues such as extremist violence, climate impacts, and economic disparities — factors that complicate its mission and test its resilience.
Nigeria, the region’s most populous and economically powerful nation, plays a crucial leadership role within ECOWAS. It supports peacekeeping operations, influences economic initiatives, and often acts as a mediator.
However, Nigeria’s own internal challenges mean that its stability — or instability — can significantly affect the entire West African region.
ECOWAS represents one of Africa’s most ambitious regional integration projects. Yet its future depends on balancing collective goals with the diverse political landscapes of its members.
To remain effective, ECOWAS will need to reinforce both economic integration and political stability, ensuring that cooperation continues despite mounting regional challenges.
Swiss banking secrecy has long been associated with wealthy clients seeking privacy through numbered accounts and confidential asset management.
Yet the original purpose of Swiss banking secrecy extended beyond mere personal privacy. It was designed to safeguard Switzerland’s financial system, reinforce political neutrality, and maintain national and international trust in its legal and economic stability.
In essence, secrecy served as a structural pillar that protected not only individuals but also the integrity of the Swiss financial order.
From the early 2000s onward, international efforts to combat tax evasion and money laundering triggered major changes in Switzerland’s banking environment.
New global reporting standards and enhanced cooperation among tax authorities made it difficult for Swiss banks to maintain unconditional anonymity for foreign clients.
Reforms in the 2010s further required banks to share specific information with foreign tax agencies under defined conditions.
As a result, Switzerland’s reputation as an unquestioned safe haven for hidden wealth was reshaped dramatically.
Despite these shifts, banking secrecy has not disappeared. Unauthorized disclosure of client information remains a criminal offense, and lawful clients continue to benefit from strong privacy protections.
For individuals in politically unstable regions or those exposed to currency volatility, Switzerland remains a highly attractive location for secure, rules-based wealth preservation.
The country’s reputation for regulatory integrity and financial professionalism continues to offer a sense of stability few jurisdictions can match.
Modern Swiss banking should be evaluated with realistic expectations:
Today, the focus has shifted from “hiding wealth” to protecting and managing wealth within a stable and reputable legal environment.
While the era of unconditional secrecy has ended, Switzerland remains a credible and secure financial center.
Rather than relying on outdated myths, investors should understand current regulations and use Switzerland’s strengths — legal stability, transparency, and institutional trust — to build resilient wealth strategies for the future.
Over the past few years, Dubai real estate has been so hot that deals can close with “a single phone call.” When short-term flippers with low investment literacy crowd into the market, prices tend to surge fast—and fall just as fast—creating a classic bubble → panic-selling cycle.
This article clarifies common misconceptions, explains the market mechanics, and lays out principles you can actually operate by.
Assuming a purchase price of JPY 24,000,000 and annual rent of JPY 1,800,000:
Gross yield = 7.5%.
That is not the net yield.
Like Japan, Dubai properties incur maintenance and other running costs,
so the net yield will be lower.
— Masa Nozaki (@MasaNozaki2), Aug 29, 2025
“Because leases auto-renew, cash flow is predictable.”
It sounds neat, but auto-renewal alone doesn’t guarantee CF stability. Rent revisions, vacancies, service charges, capex, and rule changes can all shift your numbers.
We also see frequent confusion between:
Rule of thumb: the simpler the pitch, the more cautious you should be.
Change one assumption and your cash flow can break.
In a heated market, high-ticket deals can close with shallow due diligence. That’s scary, but it also creates opportunity when the cycle turns:
A high-supply pipeline in 2027–2028 is widely discussed. When supply lands, flippers’ exits narrow—an easy spark for panic selling.
This is a projection, and actual impact will depend on rates, FX, demand, and policy—i.e., a mix of factors.
Judge by earnings reality, not short-term momentum.
1) Evaluate yield on a net basis
Include service charges, maintenance/capex, taxes/fees, furniture, realistic vacancy, leasing costs, PM/agency fees, and platform fees (for STR).
2) Verify the quality of rental demand
Commuting nodes, schools, transit, retail.
Tenant tenure & profile (tourist-only demand is volatile).
Renewal clauses, break options, rent-review practice.
3) Test substitutability
If a flood of similar alternatives exists at the same price point, downside pressure is high—even in good locations if new supply walls are near.
4) Know your exit mechanics
Process and fees for foreign sellers, expected timing, buyer segments.
Track recent closed comps and list-to-close gaps.
5) Keep leverage disciplined
Model rate/FX stress (interest coverage, LTV, DSCR).
Understand loan covenants and your Plan B under stress.
Keep the decision tree simple:
Who rents? At what yield? For how long? Can I hold through a downturn?
If you can answer those with numbers, you’re playing the right game.
If you’ve ever looked into real estate investment in Abu Dhabi, you’ve likely come across Aldar, one of the most prominent names in the region.
Established in 2004 by the Abu Dhabi government and listed on the Abu Dhabi Securities Exchange since 2005, Aldar is widely regarded as the leading government-backed developer in the emirate.
In December 2021, Aldar acquired approximately 85.5% of Egypt’s major real estate developer SODIC, marking a strategic expansion into the largest market in North Africa.
Aldar is not alone in targeting Egypt. Emaar, the largest developer from Dubai, is already active in the Egyptian market, pushing forward major residential and commercial developments in Cairo and the New Administrative Capital.
This wave of investment by Gulf-based companies highlights the growing strategic interest in Egypt as a real estate and economic hub.
Egypt boasts a population of over 100 million, making it the most populous country in the MENA (Middle East and North Africa) region.
The MENA market is united by shared language (Arabic) and culture (Islam), and is expected to grow into a region of 550 to 800 million people. Within this, Egypt stands out for:
Beyond developers, governments and financial institutions from the Gulf are also eyeing Egypt.
This month, the Deputy Ruler of Sharjah paid an official visit to Egypt’s New Capital, signaling a broader UAE interest in Egyptian development.
Such high-level engagements suggest that Egypt will continue to attract significant foreign capital in the coming years.
With a massive population, ambitious infrastructure projects, and increasing foreign interest, Egypt’s real estate sector is fast becoming a focal point for MENA investors.
For investors seeking long-term growth opportunities in emerging markets, understanding Egypt’s strategic importance is now essential.
Just like in Japan, where certain developers have built strong reputations, Dubai and Abu Dhabi also have well-known real estate companies trusted by consumers. In this article, we’ll introduce five of the most popular real estate developers in Dubai and explore key trends such as the risks of off-plan investments and the growing value of second-hand office properties.
In the past, buying off-plan properties (pre-construction) could result in doubling property values upon completion. However, with current high prices and an oversupply in the market, such gains are rare.
Despite this, many agents heavily promote off-plan investments—largely due to higher sales commissions. Be wary of overly optimistic pitches lacking clear risk disclosures. A cautious and informed approach is key.
There is a significant shortage of office space in Dubai, especially for SMEs. Some business licenses require a physical office, and such properties are becoming increasingly competitive.
In contrast to residential units—which are relatively easy to find—securing a good office space can be quite difficult. This market dynamic makes rental office properties a potentially stable and profitable investment in Dubai.
Introduction
In Dubai’s real estate market, an increasing number of agents have begun promoting properties with promises like:
“Once completed, this unit can be rented out on Airbnb for high returns!”
But is it really that profitable?
This article takes an objective look at the 2025 Airbnb market in Dubai, based on the latest data, to explore:
Dubai’s Airbnb Market: Key Figures
📊 According to February 2025 data from AirROI:
Due to seasonal fluctuations in Dubai’s short-term rental market, further analysis by season shows:
What Kind of Properties Are on Airbnb?
Source: AirROI
Conclusion
The data clearly shows a few key takeaways:
✅ Small units dominate the market—especially 1 and 2-bedroom apartments
✅ Family-sized units (3BR+) are scarce, suggesting potential opportunity
✅ Agents claim high profits, but the reality may differ
Given average prices of USD 240,000–410,000 for such units, and average gross revenue of USD 24,830/year, the gross yield is around 9%.
However, considering:
The net yield likely falls to around 4–5%.
This analysis is based on current data and trends, which may evolve. Still, the notion that “Airbnb guarantees high profits” seems overstated based on actual market numbers.
This article provides up-to-date insights into the real estate loan environment in Dubai, one of the world’s most dynamic property markets. With a focus on both collateral-backed loans and income-based mortgage options, we aim to help international investors make informed decisions.
1. Real Estate Collateral Loans in Dubai
In recent months, we’ve received numerous inquiries such as:
“Can I borrow money using my property in Dubai as collateral?”
The answer is: Yes, you can.
Although conditions vary by bank, as of July 2025, the general terms are:
While financing is possible, the interest rate is relatively high.
In addition to loans against owned properties, Dubai also offers real estate purchase loans based on your income level. These are commonly used when acquiring new property.
Here are the typical terms (as of July 2025):
※ If you hold a Dubai visa and earn over 15,000 AED per month, the loan-to-value ratio may increase to 80%.
To apply, you’ll generally need:
Compared to collateral loans, income-based real estate loans tend to offer better interest rates, since banks consider steady income as a lower risk.
Dubai’s real estate market is increasingly supported by debt-based financing, not just high-net-worth cash buyers.
In Q1 of 2025, Dubai recorded 9,300 residential mortgage registrations, marking a 24% year-over-year increase—a historic high.
This trend shows that:
“Dubai’s real estate market is no longer purely cash-driven—it’s increasingly debt-supported.”
That’s not necessarily negative. However, in real estate history, markets with rapidly rising loan usage become especially vulnerable when prices start to decline.
When a market enters a “reverse cycle”, the risk of loan defaults increases dramatically.
This is why it is critical to monitor market signals and make cautious investment decisions.
If you are considering investment in Dubai real estate—or establishing a company in Dubai—it is now possible to set up a corporate entity for as low as 12,520 AED (approx. ¥500,000 JPY).
For more detailed guidance or consultation, please feel free to contact us anytime.
Please feel free to contact us from the email form.
Inquiries by email
Bookmark
Browsing history
Bookmark
Browsing history
