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Arrived vs Lofty: SEC Shares from $100 or Algorand Tokens from $50

Arrived is the regulated, bank-account way to own fractions of US rental homes: SEC-qualified Regulation A shares from $100, monthly dividends in dollars and a secondary market that opens one week a month after a six-month lock-up. Lofty is the self-custody way: tokens on the Algorand blockchain from $50, rent paid daily in USDC and a marketplace open around the clock with no lock-up at all. Both own single-family rentals in the United States and both put the property in its own LLC, so the choice is about wrapper, fees, payout and how you want to hold it. Threeworld lists both side by side with the same fields and never holds your money.

Suburban street at dusk with porch lights on under a purple sky
“The same house, held in a brokerage account or in your own wallet.”By ·
Side by side, from each platform's own pages and filings, checked October 24, 2026. Notes on each platform page.
ArrivedLofty.ai
Minimum$100$50
What you ownShares of a separate series of a Delaware series LLC, one series per home, offered under Regulation A Tier 2 through the broker-dealer Dalmore Group. The funds are Reg A Tier 2 shares of their own LLCsFractional membership in a separate LLC that owns each property, recorded as tokens on Algorand and traded in USDC. Lofty AI, Inc. runs the marketplace and says it is not a registered broker-dealer, adviser or exchange
RegulatorUS SEC, Regulation A Tier 2, with annual and semi-annual reports on EDGARNot published
Lock-upSix months on both routesNone, there is no minimum holding period
How you sellPeer-to-peer secondary market on the PPEX alternative trading system for property shares, a quarterly redemption programme for the fundsAn on-platform exchange open around the clock, limit orders matched between investors and market orders filled by market makers, plus buyback proposals and investor votes to sell a whole property
Sale guaranteedNo. Arrived says liquidity is not guaranteed, sales depend on buyer demand and fund redemptions are cappedNo. A limit order fills only when another investor matches it and Lofty promises neither a buyer nor a return of capital
To buy3.5% of the home's purchase price, built into the share price2.5% of each share purchase
Each year0.6% of the purchase price a year (0.15% a quarter) for single family rentals, plus 8% of gross rent to the property managerNot published
To sellUp to 2.5% on each side of a secondary market trade3% of each share sale
SourcesArrived on Threeworldoffering circular on SEC EDGARArrived help centreArrived help centreLofty.ai on ThreeworldLofty, how it works
Table of contents

At a Glance

• Minimum: Arrived $100 vs Lofty $50 • What you own: Arrived, Regulation A shares of a series LLC that holds one home vs Lofty, a fractional membership in a per-property LLC recorded as a token in your wallet • Regulator: Arrived, the US SEC under Regulation A Tier 2 with reports on EDGAR vs Lofty, none named, not a broker-dealer or exchange • Entry cost: Arrived, a 3.5% sourcing fee built into the share price plus about 3% in offering costs vs Lofty, 2.5% on each purchase, 5% with a market order • Ongoing: Arrived, 0.6% of the purchase price a year plus 8% of rent to the property manager vs Lofty, no platform fee, the LLC pays its own manager out of rent • Exit cost: Arrived, up to 2.5% on each side of a secondary trade vs Lofty, 3% on each sale plus gas fees • Payouts: Arrived, monthly dividends in dollars vs Lofty, daily rent in USDC • Liquidity: Arrived, a secondary market open one week a month after a six-month lock-up vs Lofty, a marketplace open 24/7 with no minimum hold • Geography: both US single-family, Arrived in newer Sun Belt and Southeast suburbs, Lofty mostly in lower-priced metros • Founded: Arrived 2019 in Seattle, backed by Jeff Bezos among others vs Lofty 2020 in Austin The live boxes above show each platform's listing count, median projected yield and lowest share price on the Threeworld index as of today.

What You Actually Own

On Arrived each home is a separate series of a Delaware series LLC, and the shares of that series are offered under Regulation A Tier 2 through a broker-dealer after the SEC has qualified the offering. Ownership is recorded by Arrived and its transfer agent, you get a 1099 at tax time and the company files annual and semi-annual reports on EDGAR that anyone can read. On Lofty each home is also in its own LLC, but your membership interest is a token on Algorand held in a wallet you control. Lofty records nothing for you, which is the point: the token moves when you move it. The LLC issues a K-1 and the company names no securities regulator, so the operating agreement is the document that defines your rights. The economic claim is nearly identical, a share of one house's rent and sale proceeds. The legal and practical wrappers are not.

Fees, Honestly Compared

Arrived's costs are mostly invisible and mostly up front. A 3.5% sourcing fee and roughly 3% of offering costs are capitalised into the share price, so a $100 share buys a little over $93 of house. After that, 0.6% of the purchase price a year goes to Arrived and 8% of gross rent to the property manager, and a secondary-market trade costs up to 2.5% a side. Lofty's costs are visible and transactional. 2.5% to buy, 3% to sell, another 2.5% if you want an instant fill, and gas on every move. There is no annual platform fee, and the LLC's property management comes out of rent before the daily payout, shown on the listing. For a buy-and-hold investor over five years, Arrived's recurring 0.6% adds up to about what Lofty charges to get in and out once. For an active investor who trades, Lofty's round trip of 5.5% or more, repeated, is the bigger drag. Match the fee shape to how you actually behave.

Payouts and Liquidity

Arrived pays monthly dividends in dollars to a linked bank account. Lofty pays rent every day in USDC to your wallet, which is more transparent and slightly more work, because the stablecoin has to be converted through an exchange before it is spendable. On liquidity the gap is wider. Arrived's secondary market, on the PPEX alternative trading system, opens for one week each month and only after you have held for six months, and sales depend on another Arrived investor wanting your shares. Lofty's marketplace is open at any hour with no minimum hold, with limit orders matched between investors and market orders filled by market makers for a fee. Neither platform guarantees a buyer or a price, and a thin market on a single Lofty property can still leave a limit order sitting for weeks, but Lofty is structurally the more liquid of the two.

Who Each Is For

Arrived is for investors who want the most conventional, most regulated way to own slices of US houses: an SEC-qualified offering, newer homes in growing suburbs, dividends in a bank account and a tax form they recognise. It is the natural first platform for a US beginner, and the Arrived review covers it in depth. Lofty is for investors who are comfortable with a wallet and a stablecoin, want the lowest possible ticket, like seeing rent land every day and value being able to sell without waiting for a window. The yields on its lower-priced homes are higher, and so is the tenant and repair risk behind them. The Lofty review goes through the detail.

And Mogul?

The third US platform people put in this comparison is Mogul, which sells tokenized shares on Avalanche from $250 in curated short, mid and long-term rentals and sale-leasebacks, and reports a targeted average IRR of 18.8% (self-reported). It sits between the two on wrapper, being tokenized like Lofty but held through the platform rather than in your wallet, and well above both on projected return and on risk, because much of that return is projected appreciation and short-term rental occupancy rather than rent. There is no working secondary market yet, so it is the least liquid of the three. Arrived vs Mogul sets those two against each other, and the highest-yield fractional properties list shows where all three platforms' listings land on the index today.

Verdict

Choose Arrived if you want a regulator behind the offering, dollars in your bank account and newer homes, and you can live with a six-month lock-up and a monthly trading window. Choose Lofty if you want the $50 ticket, daily rent, continuous trading and self-custody, and you accept that no regulator is named and the homes are cheaper for a reason. A mix is reasonable: Arrived for the core, Lofty for the part of the portfolio you might want to move quickly. Every listing from both platforms is on the Threeworld marketplace with the same fields, and the fractional single-family homes list ranks them side by side.

Questions people ask

Is Lofty better than Arrived?

Lofty is cheaper to start at $50, pays rent daily and trades 24/7 with no lock-up. Arrived sells SEC-qualified Regulation A shares from $100, pays monthly in dollars and has a monthly secondary market after six months. Arrived is the regulated choice, Lofty the liquid one.

What is the minimum investment on Arrived and Lofty?

Arrived starts at $100 per home. Lofty starts at $50, the price of one token.

Which has lower fees, Arrived or Lofty?

Arrived capitalises about 6.5% up front and charges 0.6% a year plus 8% of rent to the manager. Lofty charges 2.5% to buy and 3% to sell, with no annual fee. A long hold favours Lofty's shape, frequent trading favours Arrived's.

Does Arrived use blockchain?

No. Arrived records ownership conventionally through its transfer agent. Lofty issues each property's membership interests as tokens on the Algorand blockchain, held in your own wallet.

Which is more liquid, Arrived or Lofty?

Lofty. Its marketplace is open around the clock with no minimum holding period. Arrived's secondary market opens one week a month after a six-month lock-up. Neither guarantees a buyer.

Which is more regulated, Arrived or Lofty?

Arrived. Its offerings are qualified by the SEC under Regulation A Tier 2 and it files reports on EDGAR. Lofty names no regulator and says it is not a broker-dealer, adviser or exchange.
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