Robo-advisory platforms are rapidly gaining traction in the Middle East, with several local players recently joining the surge.

Robo-advisors provide users with financial advice and portfolio management solutions through algorithms. These algorithms churn user data and personal preferences to provide advisory and tracking solutions, essentially automating the financial planning process for users.

This technology is particularly useful and relevant to markets like the Middle East. This is because these platforms make investing more accessible, affordable, and scalable in a region where traditional wealth management has historically focused on high-net-worth (HNW) individuals. They appeal to the area’s young, digitally savvy population through mobile-first platforms, while supporting growing demand for financial inclusion, savings, and long-term investment solutions.

Today, we look at six robo-advisory platforms from the Middle East that are reshaping the wealth management sector. These firms stand out as market leaders, and emerging players with notable traction and backing from prominent investors.

Disclaimer: The content of this article should not be considered as financial or investment advice.

Derayah Financial (Saudi Arabia)

Founded in 2007, Derayah Financial is a licensed independent investment platform headquartered in Saudi Arabia. The company provides a fully digital brokerage platform alongside asset and wealth management services, designed to simplify investing and make wealth creation accessible to a broad range of investors.

Derayah Financial’s core offerings include a digital brokerage platform for trading equities, exchange-traded funds (ETFs), margins, derivatives, options, bonds, and commodities, as well as a fast‑growing asset management business featuring mutual‑fund supermarkets, discretionary portfolio management, and tailored investment strategies via platforms such as Derayah Smart.

Announced in July 2025, Derayah Smart is an automated robo-advisory solution designed to help individuals effortlessly manage their investment portfolios according to their financial goals and preferred risk levels. Users begin by signing up, setting personal preferences, selecting one of three predefined strategies, and funding the account via Apple Pay or direct bank transfer. The platform then creates a personalized portfolio, rebalances it dynamically as market conditions change, and offers an intuitive mobile dashboard for ongoing monitoring and contribution management.

Derayah Smart requires a minimum initial investment of SAR 500 (US$133), with subsequent contributions possible in increments of SAR 100 (US$27). The annual management fee is 0.65 %. All portfolios adhere to Shariah principles, and the platform is fully licensed by the Saudi Capital Market Authority (CMA).

Derayah Financial claims more than 600,000 investment accounts and assets exceeding SAR 55 billion (US$15 billion), making it one of Saudi Arabia’s leading wealth and asset managers in a SAR 1.13 trillion (US$301 billion) AUM market.

Abyan Capital (Saudi Arabia)

Founded in 2021 and headquartered in Riyadh, Abyan Capital is a Shariah-compliant robo-advisory investment platform that aims to make it easy for an average user in Saudi Arabia to save and invest. The company enables users to open an account in about three minutes, receive a portfolio recommendation aligned with their financial goals and risk tolerance, and benefit from automatic portfolio purification to maintain continuous Shariah compliance.

Portfolios span the full risk spectrum, from conservative to aggressive, and returns are automatically reinvested to support long‑term growth. Clients can organize savings into multiple categories such as travel, education, or children’s futures, and they receive monthly performance reports that detail returns and portfolio composition. The platform applies a minimum entry of just SAR 50 (US$13).

In October 2025, Abyan Capital introduced a self-directed trading service that allows users to trade US equities and open high-yield savings accounts in compliance with Shariah law. Powering this new offering is Alpaca, a global leader of brokerage infrastructure API providing access to options, stocks, ETFs, and fixed income.

In January 2026, it teamed up with Benzinga to embed real‑time news signals, analyst insights, and market narratives directly into the app.

As of September 2024, Abyan Capital had managed to lure 350,000 clients. It claims over SAR 1.4 billion deposited by retail investors.

Sarwa (UAE)

Founded in 2017 and headquartered in Abu Dhabi, Sarwa is an all-in-one investment app covering trading, automated portfolio management, and cash‑saving solutions.

The company offers three core products:

• Sarwa Invest provides automatically managed, globally diversified ETF portfolios that align with each user’s risk profile and values. The platform handles dividend reinvestment, periodic rebalancing, and offers a halal‑compliant option;
• Sarwa Trade lets users buy and sell US stocks, ETFs, options, and cryptocurrencies, with fractional shares available from as little as US$1 and no withdrawal, transfer, or lock‑in fees for AED accounts; and
• Sarwa Save enables users to park idle cash and earn a high return by investing deposited funds in short‑term money‑market instruments, with no lock‑in periods or management fees.

Sarwa also supplies market research, news, expert analysis, customizable watchlists, and price alerts to help users construct and monitor multi‑asset portfolios. Education is emphasized through articles, videos, workshops, and live Q&A sessions.

Sarwa reported assets under management (AUM) of US$879.7 million at the end of Q4 2025. Trading volume exceeded US$3 billion in that quarter, and revenue more than doubled year‑on‑year (YoY). This momentum translated into the company’s second consecutive profitable year.

Last year, Sarwa was named among Forbes Middle East’s Fintech 50 2025 list, which recognized the region’s leading trailblazers in the digital financial services sector.

Looking ahead to 2026, Sarwa plans to launch a desktop application with real‑time pricing, deeper performance analytics, advanced conditional orders, multi‑account trading, Shariah‑stock filters, expanded cryptocurrency offerings, faster funding via open banking, and broader access to UAE and global equities. A refreshed brand identity and continued in‑person events are also slated for rollout.

Madkhol Capital (Saudi Arabia)

Founded in 2021 and based in Riyadh, Madkhol Capital provides digital investment solutions for individuals and businesses. The company aims to support more informed financial decision-making through clear tools and a transparent user experience.

Madkhol Capital offers access to multiple asset classes and delivers tailored solutions for the business sector, including the Ratbi+ program. Launched in September 2025, the program combines employee savings with employer‑matched contributions, automatically deducting a portion of salaries and investing it in managed portfolios while applying a vesting schedule for the matching funds. The initiative is intended to boost employee loyalty, reduce turnover, and help workers build supplemental retirement income.

Strategic partnerships signed in early 2026 will expand the platform’s product lineup. A collaboration with Albilad Capital will make Albilad’s investment funds available within the Madkhol app, broadening diversification options for users. Simultaneously, a partnership with Experience/Khibrah Company will facilitate the rollout of Ratbi+ in firms that rely on Khibrah’s debt‑collection services, providing HR teams with educational resources and implementation support.

Tamra Capital (Saudi Arabia)

Founded in 2021 and headquartered in Saudi Arabia, Tamra Capital is a licensed investment platform that offers low-fee, automated, Shariah‑compliant portfolio management. The company provides smart solutions that help customers invest conveniently in diversified and balanced portfolios of ETFs that combine real‑estate, gold, equities, and bonds from more than 1,000 companies across local and global markets.

Prospective investors can complete registration in a few minutes by providing an ID number and answering a short questionnaire. The platform then suggests a portfolio aligned with the user’s risk tolerance and financial goals. The interface consolidates account control and performance monitoring into a single, transparent dashboard, while multiple payment channels allow deposits to be made conveniently into a digital wallet. A special Generation Z Account targets younger users, offering low monthly fees to encourage first‑time investors.

Tamra Capital highlights unlimited advisory support through various communication channels, and positions its offering as a safe, secure way for individuals to access diversified, balanced portfolios without needing extensive financial expertise. As of Q2 2023, the company held SAR 375.63 million (US$100 million) worth of AUM, according to Argaam.

Drahim (Saudi Arabia)

Founded 2021 and based in Riyadh, Drahim is a finance platform that offers automated investment and personal financial management services. The company provides a personal budget app that connects to a customer’s bank account directly and securely to analyze their transactions from point-of-sales (POS), money transfers and receivables. Then, the system provides them with a simple, complete personal report about their average spending, upcoming bills, and your favorite transactions. Through this report, Drahim’s artificial intelligence (AI) engine suggests a tailored, low-risk, auto-investing plan in stocks.

In addition to risk‑adjusted investment portfolios, Drahim also offers an investment wallet that allows users to hold a diversified mix of assets, such as equities, funds, and other securities.

For corporate clients, Drahim Business provides financial and investment solutions for the corporate sector. The platform, announced in September 2025, automates investment setup in roughly three minutes, eliminating tradition paperwork.

Drahim Business’ solutions include a savings portfolio that provides companies with competitive daily returns, coupled with an instant withdrawal feature that ensures greater flexibility in liquidity management. The platform also introduces the Automated Investor service, which allows businesses to build and customize portfolios across more than 30 investment funds. These include offerings from leading local institutions such as Derayah, Jadwa, Al Rajhi Capital, and NCB Capital, alongside global funds.

Beyond investing, Drahim Business offers advanced market research tools powered by proprietary data, and integrates open banking services, enabling companies to link their bank accounts and monitor cash flows in real time.

In September 2024, Alrajhi Bank acquired a 65% stake in Drahim, positioning the fintech startup within Al Rajhi’s broader digital banking strategy and reinforcing its regulatory footing. The acquisition aims to accelerate product development for both individual consumers and corporate clients, expanding financial management, automated investment, and payment solution capabilities across the Saudi market.

Featured image: Edited by Fintech News Middle East, based on image by freepik via Freepik