Lofty vs R25: Property shares or curated vaults? (2026)

Lofty and R25 both sit in real-world assets, but they serve different purposes. Lofty lets you buy shares in individual U.S. rental properties, often for about $50 or less. It says rent is distributed daily, and share owners can list their holdings on its marketplace. R25 is infrastructure for curated vaults rather than a property-share marketplace. Its vaults can combine real-world credit, treasuries, staking, and arbitrage, with strategies run by asset managers.

Their chains differ too: Lofty operates on Algorand, while R25 supports Pharos and Sui. R25 reports the larger TVL, about $196.6M compared with Lofty's roughly $101.1M. Those figures do not make the products interchangeable: Lofty focuses on specific rental assets, while R25 brings multiple strategy types together. Choose based on the exposure you want, not TVL alone.

Fees are not published for either platform, so you cannot compare total costs from a public fee schedule. Lofty does not publish purchase, marketplace, management, or withdrawal charges. Its property-level costs, including management, maintenance, and taxes, may affect rental income; check each listing and the terms to understand how costs relate to projected yields.

R25 does not publish management, performance, deposit, withdrawal, or curator fees. Network gas fees on Pharos or Sui also apply when using the platform. Before depositing, check the terms for the specific vault and any charges shown in the app. For Lofty, check the property documents, terms, and checkout details. Without those checks, a headline yield or low share price does not tell you the full cost of investing.

Lofty's main risks are tied to property performance: rent, vacancies, tenants, property values, and management quality can affect outcomes. Its shares are listed on a secondary marketplace, but a sale depends on finding a buyer; there is no guarantee that you can sell quickly. Lofty has no audits listed, and it does not describe its custody arrangements, legal wrapper, or regulatory status in detail. KYC/KYB is required for withdrawals and investments over $200, as well as certain deposit methods.

R25 adds smart-contract and curator risks to the risks of any underlying real-world credit or treasury exposure. It describes a guard layer with 24 Guard Points and 12-point validation, but these are project claims. R25 links an audit page, yet named auditors, scope, and findings are not published. Withdrawal terms, custody, and regulatory status are also not described publicly. Check the relevant documents and vault terms before committing funds.

Choose Lofty if you want exposure to individual rental properties, value daily rent distributions, and are comfortable assessing property-level documents and liquidity risk. Its marketplace offers a way to list shares, but that does not ensure a buyer will be available. Fees are not published, so confirm costs for the specific property before investing.

Choose R25 if you want access to curated strategies spanning real-world assets and DeFi, or if you are a curator interested in building vaults through its code-free Studio. Its breadth and higher reported TVL may appeal to users seeking a multi-strategy platform, but the short track record and limited published fee and audit details matter. R25 vault quality can vary by curator and strategy. Neither is a direct substitute for the other: decide whether you want property shares or a vault-based strategy first.