The United Arab Emirates (UAE) is rapidly establishing as a leading hub for fintech, supported by strategic government initiatives, rising consumer demand for digital services, and a vibrant innovation ecosystem.
Regionally, the UAE systemically captures one of the largest shares of fintech investment in the Middle East and North Africa (MENA), accounting for 39% of funding in H1 2024. The country also hosts one of the largest concentrations of fintech companies in the region, with over 320 fintech companies operating in the UAE, against 281 fintech companies in Saudi Arabia, and 177 fintech startups in Egypt.
The UAE’s fintech growth has been supported by proactive regulations and fintech-friendly ecosystems. Since 2017, the Dubai Financial Services Authority (DFSA) of the Dubai International Financial Centre (DIFC) has introduced a fintech regulatory framework and sandbox programs for testing solutions under a light touch license before full licensing. The DFSA also implemented regulations for open banking, crowdfunding, and crypto assets.
At the federal level, the Central Bank of the UAE launched in 2023 the ambitious Financial Infrastructure
Transformation (FIT) program to modernize the nation’s financial systems and enhance its status as a leading digital economy. The program comprises initiatives including an instant payment platform, a central bank digital currency (CBDC), open finance, and electronic know-your-customer (eKYC).
As the UAE fintech industry continued to expand and evolve, several companies are emerging as leaders, gaining significant traction, and attracting backing from prominent partners. These ventures, which span verticals including real estate transactions, embedded finance, and business finance, are among the top funded fintech startups in the UAE and are now expanding aggressively internationally and broadening their product offerings.
Top Funded UAE Fintech Startups of 2026
Huspy – US$100 million
Founded in 2020 and headquartered in Dubai, Huspy is building the largest home-buying platform in Europe and the Middle East. The company empowers real estate agents and mortgage brokers with world-class technology, commissions and infrastructure, while providing homebuyers with seamless access to mortgages, properties and related services through technology and innovation.
Huspy facilitates over US$7 billion in real estate transactions annually in Europe and the Middle East, and has helped over 25,000 people buy homes. The company claims 30% of the UAE mortgage market, and says its Spanish real estate business grew over 20% year-over-year in 2024.
Huspy has raised about US$100 million in venture capital (VC) funding to date, including a US$59 million Series B in July 2025 to expand operations in the Middle East and Europe, and over US$40 million in a Series A and an extension in 2022, TechCrunch reports. Over the next years, the company plans to launch in most major cities across Europe and the Middle East.
NymCard – US$70 million
Founded in 2018 and headquartered in Abu Dhabi, NymCard is an embedded finance platform in the Middle East and North Africa (MENA), offering a full-stack, API-first payment infrastructure for banks, fintech companies, enterprises, and telecom providers. Operating across more than ten countries, NymCard enables seamless card issuance, transaction processing, digital lending, and real-time money movement through its proprietary nCore platform.
To date, NymCard has partnered with more than 50 banks, fintech startups, and enterprises, delivering personalized financial offerings across the region. Last year, the company was named in the 2025 CB Insights Fintech 100, which recognizes the world’s top 100 most promising fintech startups based on commercial traction, partnerships, momentum, and growth potential.
NymCard has raised nearly US$70 million in funding, including a US$22.5 million venture round secured in 2022 and a US$7.6 million Series A raised in 2021. In March 2025, the startup secured US$33 million in its Series B funding round. It said it would use the proceeds to deepen its presence across MENA, and strengthen its payment infrastructure solutions to better serve its customers across its three core verticals of card issuing processing, embedded lending, and money movement.
Flow48 – US$67.7 million
Founded in 2022, Flow48 is a revenue-based finance platform, providing flexible financing solutions to small and medium-sized enterprises (SMEs) across the UAE, South Africa, and Saudi Arabia.
By leveraging advanced data analytics and AI-driven risk assessment tools, Flow48 offers businesses fast and flexible access to capital without requiring equity dilution or traditional collateral. The platform integrates with various payment systems and financial data sources to assess a company’s revenue streams, enabling it to offer tailored financing options based on real-time business performance.
Flow48 features a fully digital onboarding process that can approve and fund eligible businesses within 24 to 48 hours. It funds businesses with at least one year of trading history and at least US$100,000 in annual revenues, and can offer up to US$20 million in funding to each business.
According to Dealroom, Flow48 has raised US$67.7 million, which includes a US$55.2 million Series A in February 2025, and a US$12.5 million seed in November 2023. The company plans to use its last funding to expand further in the region. It also aims to introduce new products for SMEs while enhancing its platform capabilities with alternative data sources and advanced risk assessment tools.
Bayzat – US$60 million
Founded in Dubai in 2012, Bayzat is a leading work life platform for businesses across the Middle East, bringing together HR management, payroll processing, employee benefits, and insurance in one simple, cloud-based solution.
The platform is designed to help businesses automate their people operations while staying fully compliant with UAE and regional labor laws. It claims customers typically save 15 to 20 hours per week on administrative tasks across HR and finance teams, eliminate manual data entry between systems, and avoid costly compliance penalties.
Bayzat serves more than 4,000 business customers. The company has raised over US$60 million to date, including a US$25 million Series C round in December 2022 to expand its customer base across the Middle East, with a particular focus on Saudi Arabia.
Stake – US$58 million
Launched in 2021, Stake is a digital real estate investment platform. The company leverages over 20 years of industry expertise to source properties and break down entry barriers for investors, managing all investments from acquisition to exit while distributing consistent passive income directly to investor wallets.
With a starting investment as low as AED 500 (US$136), Stake aims to democratize access to exclusive, high-growth real estate markets, offering a fully digital, hassle-free experience. In the UAE, Stake allows fractional ownership in prime properties where investors pool funds to collectively own shares in a curated portfolio of residential properties in Dubai’s lucrative market, earning from rental income and property value appreciation. In Saudi Arabia, Stake enables investment in real estate funds, including both income-focused and development funds that are managed by Tier-1 fund managers.
In October 2025, Stake expanded into the US industrial real estate market to give investors access to income-generating assets in stable, high-growth global markets. During the same month, the company launched StakeOne, a new investment product designed to digitize access to full property ownership and after-sales asset management for premium properties in Dubai from leading developers such as Emaar, Ellington Properties, and Dubai Holding.
Stake has demonstrated strong momentum, achieving a compound annual growth rate (CAGR) of over 130% in gross merchandise value (GMV) and exceeding 100% in revenue over the past three years. The platform now serves more than 2 million users from over 211 nationalities across 181 countries.
Stake has raised about US$58 million in funding to date, including US$31 million in an oversubscribed Series B funding round in February 2026 to accelerate its growth across Saudi Arabia and the US.
Alaan – US$55 million
Founded in 2022 and based in Dubai, Alaan provides businesses with smart corporate cards and an all‑in‑one platform to manage, control, and automate their spending.
The card lets businesses control how employees spend company money by setting custom limits, defining usage rules, and tracking transactions in real time.
The spend management platform allows businesses to monitor expenses, automate approvals, and eliminate manual reimbursement processes. It includes tools for supplier payments through its SuperPay system, which lets businesses pay invoices without transfer fees and without the usual currency‑exchange markups.
Alaan claims its platform is utilized by over 3,000 startup, mid-market, and enterprise customers across sectors such as real estate, aviation, logistics, and retail. Notable clients include G42, Careem, Tabby, Lulu Group, and Rivoli. It says it has processed over 2.5 million transactions since its launch and claims to have saved finance teams more than 1.5 million hours of manual work through automation.
Alaan launched in Saudi Arabia in 2025 earlier this year and says it has been doubling its transaction volumes month-over-month for six months straight.
The startup has raised US$55 million in funding to date, including a US$2.5M seed round in March 2022, a US$4.5 million pre-Series A in January 2023. In August 2025, it raised US$48 million in a Series A to accelerate its expansion in Saudi Arabia and power the next phase of its growth, focused on AI-driven finance automation.
Featured image: Edited by Fintech News Middle East, based on image by frantic and freepik via Freepik
