> For the complete documentation index, see [llms.txt](https://docs.surgexrp.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.surgexrp.com/faq.md).

# FAQ

SurgeXRP Frequently Asked Questions

### General

**What is SurgeXRP?**\
SurgeXRP is a tokenized real estate marketplace built on the XRP Ledger. It allows investors to buy fractional ownership of rental properties in the form of blockchain tokens, and earn passive rental income proportional to their holdings.

**Who can invest on SurgeXRP?**\
SurgeXRP is open to investors globally, subject to KYC verification and applicable local regulations. Users must complete identity verification before investing. Some jurisdictions may be restricted due to regulatory requirements.

**Do I need to be a large investor to participate?**\
No. One of SurgeXRP's core missions is to democratize access to high-yield real estate. Token prices are set to allow meaningful fractional investment at accessible entry points.

**Is SurgeXRP regulated?**\
SurgeXRP operates within a compliant legal framework, utilizing DAO LLC structures for asset tokenization and requiring full KYC/AML verification for all users. We work closely with legal counsel to ensure compliance with applicable regulations in the jurisdictions we operate.

***

#### Property Tokens

**What does a property token represent?**\
Each property token represents a fractional co-ownership interest in a DAO LLC that holds a specific real estate asset. Token holders are entitled to a proportional share of the net rental income generated by that property.

**How many tokens are issued per property?**\
Each property has a fixed number of tokens issued at the time of listing, corresponding to the total capitalization of that property's DAO LLC. The number varies by property and is disclosed in full on each listing page.

**Can I sell my property tokens?**\
Yes. Property tokens can be transferred on the XRP Ledger. A secondary market for property tokens will be available within the SurgeXRP platform and on compatible XRPL DEX venues.

**What happens if the property is sold?**\
In the event of a property sale, the net proceeds (after all costs) are distributed to token holders proportionally. A property sale may be initiated by DAO governance vote or under specific circumstances defined in the DAO LLC agreement.

***

#### Rental Income

**How often is rental income distributed?**\
Rental income is distributed monthly, net of property management fees, maintenance costs, and platform fees, denominated in RLUSD.

**What is the target rental yield?**\
SurgeXRP selects properties targeting a gross rental yield of 14–16% annually. Net yields to investors will vary depending on property expenses, occupancy rates, and platform fees.

**What are the platform fees?**\
SurgeXRP charges a property management coordination fee and a platform transaction fee. Detailed fee structures are disclosed on each individual property listing. We are committed to full fee transparency.

**What currency is rental income paid in?**\
Rental income is paid in **RLUSD** — Ripple's regulated USD-pegged stablecoin on the XRP Ledger. This ensures stable, dollar-denominated income regardless of XRP price fluctuations.

***

#### Investing & Wallets

**What wallets are supported?**\
SurgeXRP is designed to be beginner-friendly and scam-proof. You do not need an external crypto wallet to get started. When you sign up with your email address and verify it, SurgeXRP automatically generates a dedicated XRP address for you, no seed phrases to manage, no wallet apps to download, no risk of being tricked into connecting a third-party wallet. Your funds are accessible directly through your SurgeXRP dashboard.

**Can I invest with XRP or fiat?**\
You can invest using **XRP** or **RLUSD**. Fiat on-ramp options (credit/debit card) will be available in the future through integrated partners to convert fiat to XRP or RLUSD directly within the platform.

**Is there a minimum investment?**\
Minimum investment amounts vary by property listing. Each listing page displays the minimum token purchase quantity and corresponding price. We aim to keep entry points accessible.

**How do I withdraw my rental income?**\
Rental income accrued in your SurgeXRP dashboard can be withdrawn to your connected XRPL wallet at any time by initiating a withdrawal from your dashboard. RLUSD is sent directly to your wallet address on the XRP Ledger.

***

#### Security & Compliance

**How is my identity information protected?**\
KYC data is processed by a regulated identity verification partner and is never stored directly on the blockchain. All personal data is handled in accordance with our Privacy Policy and applicable data protection laws.

**Is my investment insured?**\
Investments in tokenized real estate on SurgeXRP are not insured by any government deposit protection scheme. Real estate investments carry inherent risks, including but not limited to market value fluctuations, vacancy risk, and legal risks. Please read our General Risk Disclosures carefully before investing.

**What happens if a property becomes vacant?**\
Vacancy periods will affect rental income distributions. If a property experiences vacancy, income distributions for that property will be reduced or paused for the affected period. SurgeXRP's property management partners work proactively to minimize vacancy and maintain high occupancy rates.