The RuufPay Protocol is a blockchain project aiming to bridge the gap between cryptocurrency and real estate. RuufPay is being designed to be available to all parties involved in standard real estate transactions anytime, anywhere - landlords, tenants, buyers, and sellers. Due to its fast, borderless nature as a means of payment, RuufPay will be utilizing the Ethereum-based Home Coin as its primary settlement token throughout forthcoming developments. As the RuufPay Protocol popularizes and scales to a larger array of geographic locations, it will help create more transparent & efficient housing solutions across the globe. Our objective is to cooperatively create solutions to make the housing ecosystem more transparent, fair, and efficient with the usage of cryptocurrency, distributed ledger technology and decentralized finance. We see ourselves as a supportive solution for those involved in housing transactions - landlords, property managers, tenants, buyers, and sellers. We aim to become an entity based on complete decentralization, bringing the newly embraced benefits of the digital economy to the outdated real estate industry.