UAE Fintech Startups in 2021

Fintech-Map-UAE-2021-Source-Fintech-News-Middle-East-UAE-Fintech-Report-2021-July-2021

Fintech Startups based in Dubai and Abu Dhabi, UAE

BLOCKCHAIN / CRYPTOCURRENCY

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ARABIANCHAIN

ArabianChain Technology is a UAE based Blockchain Startup that aims to bring business innovation to various business domains, and to empower everyone to develop more secure, decentralized and universally accessible applications and services by leveraging the first public blockchain in the Middle east, ArabianChain.

BITEX

Founded in 2018, Bitex is a digital currency exchange and a professional trading platform operating in United Arab Emirates and India. With the advancement in Blockchain technology and the widely known digital currencies, Bitex foresaw the need of such a platform in one of the fastest growing regions in the world.

BITFURY

Founded in 2011, Bitfury is the leading security and infrastructure provider for the Bitcoin Blockchain. In addition to securing the Bitcoin Blockchain, Bitfury also designs and produces innovative hardware that keeps cryptocurrencies and blockchains secure, including custom semiconductor chips and mobile datacenters. Bitfury is also a software provider for the some of the world’s most cutting-edge applications through its private blockchain framework, Exonum, its advanced analytics platform Crystal Blockchain, and its specialized engineering team for the open-source Lightning Network, LightningPeach.

BITOASIS

BitOasis is the Middle East & North Africa’s leading digital asset exchange and wallet. Buy, sell and trade digital assets securely and conveniently!

BLOCK GEMINI

Block Gemini is a collective of Blockchain developers and enthusiast who collaborate on this technological shift that we like to call – The Blockchain Revolution.

COINMENA

Headquartered in the Kingdom of Bahrain, CoinMENA is a Sharia-compliant crypto-assets trading platform that is licensed and regulated by the Central Bank of Bahrain (CBB). Through CoinMENA, users can buy, sell, store, and receive digital assets safely and securely, as well as deposit and withdraw in their local currency.

DEX

DEX is a Multilateral Trading Facility and Custodian using Virtual Assets which is regulated by the Financial Services Regulatory Authority (FSRA) in the Abu Dhabi Global Market (ADGM). DEX will offer institutional and retail clients a secure and transparent institutional-grade platform operating in a highly regulated financial ecosystem. DEX provides confidence to all market participants as the platform backs onto a comprehensive regulatory framework in terms of market infrastructure rules, prudential requirements and ensures a fair and orderly approach as to the conduct of business provided therein.

MATRIX

Your Trusted Gateway to Virtual Assets. Licensed by the Financial Services Regulatory Authority (FSRA) in Abu Dhabi Global Market.

MIDCHAINS

MidChains is an upcoming regulated virtual asset multilateral trading facility (MTF) and custodian based in Abu Dhabi Global Market (ADGM). MidChains’ vision is to become a multi-asset class (virtual assets, digital securities, stable coins, derivatives, etc.), blockchain-enabled, investment exchange and custodian.

ONEGRAM

OneGram a Swiss based a digital solutions company that is the first to introduce a Shariah compliant physical gold backed digital token.

OneGram partnered with GoldGuard a Dubai based Gold trading company to create the most revolutionary and unique digital token, that is Shariah compliant and fully gold asset backed.

PALMEX

Palmex is one of the first licensed professional digital assets exchanges in MENA. It offers advance trading tools, multiple cryptocurrency pairs, rigorous security measures and low trading fees.

RAIN

Rain is a licensed cryptocurrency platform and custodian, trusted by thousands of customers in over 50 countries.

RIPPLE

Ripple provides one frictionless experience to send money globally using the power of blockchain technology. By joining Ripple’s growing global network, financial institutions can process their customers’ payments anywhere in the world instantly, reliably and cost-effectively. Banks and payment providers can use the digital asset XRP to further reduce their costs and access new markets.

SECURRENCY

Securrency is a technology products company that delivers a complete suite of security and compliance tools to issuers, broker-dealers, and alternative trading system (ATS) operators to enable the issuance, maintenance, and secondary trading of tokenized securities.

TEZOS

Tezos is an open-source blockchain protocol for assets and applications backed by a global community of validators, researchers, and builders. The Tezos protocol is secure, upgradable, and built to last.

TNC COIN

TNC IT Solutions Group is a blockchain project propelling the potential of blockchain and cryptocurrency by collaborating with industry leaders to withstand the industry’s current challenges and pave the way for the future of crypto.

UAE TRADE CONNECT

The first commercialized blockchain platform aimed to digitize trade finance in the United Arab Emirates, one of the largest and most important trading hubs in the world.

UTC is built through a co-creation approach with a consortium of 7 founding banks. With more banks already planning to join the platform, UTC will soon become the national trade platform, paving the way for other trading actors to enter the network.

UTC is the blockchain arm of Etisalat Digital and is a wholly owned subsidiary of Etisalat Group.

COMPARISON

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BANKONUS

BankOnUs is a comparison website that provides a free and unbiased comparison of financial products offered by banks and insurance companies, making it easier and simpler for you to better understand financial products that you plan to buy.

COMPARE4BENEFIT

Compare4Benefit.com is the leading financial comparison site in UAE. C4B provides comparison of various banking products offered by different banks. Compare4benefit.com ensures you choose the best financial product through the most convenient and hassle-free processes.

MONEYMALL

MoneyMall helps everyone to achieve their financial goals with personalized credit coaching and access to the right financial products based on individual credit profile & score #ResponsibleBorrowing #Financialinclusion

MYMONEYSOUQ

MyMoneySouq is a website for people in the United Arab Emirates to learn more about the various financial products that are available for their advantage. We help people understand the various types of financial solutions that are available and how they might work for anyone’s particular needs.

SOUQALMAL

Personal finance can be a topic that often overwhelms people – Think banking, insurance, saving, investing and just about anything to do with managing money.

We at Souqalmal.com are working hard to make personal finance easier to grasp, more transparent and readily accessible for our users.

SOUL WALLET

SoulWallet’s well-researched, solidly structured, unbiased content and unique tools help you make well-informed personal finance decisions.

We help you conduct personal loan comparisons and compare credit cards in the UAE. In the process, we help you identify the options that will let you save money and enjoy the best perks. We have redefined “Comparison” in a way that has never been done before in the UAE.

YALLACOMPARE

yallacompare (formerly compareit4me.com) is the Middle East’s leading comparison site. Using its platform, users can compare and apply for bank accounts, insurance policies, credit cards, loans, cars and more in nine markets across the MENA region.

DATA / AI

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BANKBUDDY

BankBuddy is a Financial Technology (FinTech) company providing Artificial Intelligence solutions to help financial institutions Automate, Analyze & Assist stakeholder interactions with pre-built customer experience automation solutions for financial institutions covering Retail banking , corporate banking, investment banking & Insurance.

FINENGIN

FINENGIN is a UAE based Tech company established in 2019. A member of H.H. Shiekh Mohammad Bin Rashid Establishment for SME Development in Dubai.

FINTECH GALAXY

Fintech Galaxy is an Open Finance and and API-based cloud innovation platform that allows B2B connectivity between financial institutions and innovators. A marketplace of thousands of global qualified Fintechs that solve serious consumer problems and drive forward the financial inclusion agenda, powered by data, analytics and insights.

MAMBU

We are the cloud platform for composable banking. The world’s only cloud banking platform built for actual agility.

PREVIORISK

PrevioRisk is a platform that provides an independent solution for effective Market, Credit and Counterparty Risk Measurement, Visualization and Communication.

SPRINGBOX AI

Springbox AI is a London-based consultancy specialised in Artificial Intelligence.

We help organisations of all kinds and sizes get the most out of Artificial Intelligence by optimising their processes and/or exploring new growth opportunities with them. Whether your organisation has no prior knowledge of the technology or already has resources dedicated to it, Springbok can help you at every step of your journey with AI.

DIGITAL BANKING / NEOBANKS

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BANKIOM


Bankiom – the super banking app for MENA on a mission to make managing your finances easier.

EDENRED

Edenred UAE is a leading payroll service provider serving more than 6,000 companies, 2 million employees, over 10 banks and 35 financial institutions.

JINGLE PAY

Jingle Pay, the Better Alternative to your Bank is Taking-Off in The UAE.

NOW MONEY

Our vision at NOW Money is a world where everyone has instant access to financial services they can, and want, to use.

RISE

Fintech Startup in UAE: Rise

We are rise. We’re a financial services platform for migrants, helping them manage their finances in host and home country seamlessly on a single platform.

More than 250 million migrants globally cumulatively support a billion people – we are helping them build a better future.

XPENCE

Xpence is a digital-only business current account for freelancers, solo entrepreneurs and startups. We combine bookkeeping and banking in one beautiful and easy to use app. Xpence makes opening a business current account and managing finances much simpler. Xpence takes the pain out of business management by providing time-saving tools such as automated expensing, bookkeeping, and invoicing on the go. Xpence is the Gulf region’s first neobank designed by entrepreneurs for entrepreneurs.

YAP

Fintech Startup in UAE: YAP

Now live in the UAE, YAP is a financial technology company with banking services provided by RAKBANK that revolutionizes how you manage your money through mobile.

ZAND

Zand, the first digital bank in the world to provide both retail and corporate banking is set for imminent launch in the UAE, subject to final regulatory approvals. In addition to innovative banking services, Zand is set to be a digital economic accelerator, providing the foundations for a broader generation of digital services.

EKYC

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NORBLOC

norbloc’s platforms enable individuals, organizations and regulators to effectively manage and securely share verified KYC data. Financial institutions, governments and licensing authorities across the globe trust norbloc technology to enhance customer onboarding, increase data security and mitigate systemic risk.

KYCDIGI (RETL)

Remitex Technologies Ltd (DIGI) plans to bring a whole new experience for the retail customers as well as financial institutions for digital onboarding of the customers and in the process achieve compliance.

DIGI presents a secure and seamless digital KYC platform – DIGI-KYC – to counter the remote functioning challenges.

UQUDO

uqudo’s mission is to develop cross-border and cross-industry digital ecosystems where the user is in control of their data. Building an inclusive, trust-worthy and sustainable internet of everything for all people and planet, uqudo is aligned with the United Nation’s Sustainability Development goals to provide legal identity for all.

EQUITY CROWDFUNDING

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EUREECA

Eureeca is the first global equity crowdfunding platform. It enables members of its investor network, who range from casual and angel investors to institutional firms, to buy shares in growth-oriented businesses, while providing operational businesses with crucial access to capital.

FUNDEDBYME

FundedByMe is one of the only full-service crowdfunding platforms offering capital through equity crowdfunding. In the past years, some 470 companies from 25 different countries have been successfully funded with more than €52 million.

SMARTCROWD

Smart Crowd is Middle East’s first regulated digital investment platform that provides the opportunity to access real estate through beneficial fractional ownership.

STAKE

Stake is a digital real estate investment platform providing the easiest and most transparent way to invest in income generating properties in Dubai.

Our mission is to modernize the way people invest in real estate by making it accessible and profitable to all. It is time for everyone to make great returns no matter how much you have to invest.

EWALLET

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ALIPAY

Alipay is the world’s leading open digital daily life services platform operated by Ant Group. In 2004, Alipay launched as an escrow service to address the issue of trust between online buyers and sellers in the early days of e-commerce in China.

BEAM

Beam is a 21st century global payments acceptance platform with built-in support for smart contracts. We created Beam to overturn the status quo in the retail value chain; where stakeholders engage with their customers in a direct, meaningful and effective manner.

KLIP

Whether or not you have a bank account, klip will change how you use money. It will allow you to spend, receive, hold or send it without worrying about using physical cash. If you are resident in the UAE and have a SIM card, you are an individual or a merchant, klip will help you say goodbye to cash forever.

EWALLET

eWallet aims to revolutionize payments allowing the whole society to have access to digitally control their finances; manage, save, pay anyone, from anywhere, at any time in a secure way

PAYBY

PayBy offers safe and contactless payment solution, and aims to build an all-in-one ecosystem in UAE and GCC.

PAYIT

payit is UAE’s first fully featured digital wallet. Powered by First Abu Dhabi Bank (FAB), payit helps you manage your digital cash on the go. From now onwards, you no longer have to worry about carrying cash nor struggle while exchanging money. payit is an all-in-one smart wallet app that offers you real-time, online payment for your everyday shopping, online bill payment, bill splitting, and money management.

PAYPAL

At PayPal, we believe that now is the time to democratize financial services so that moving and managing money is a right for all citizens, not just the affluent. We are driven by this purpose, and we uphold our cultural values of collaboration, innovation, wellness and inclusion as our guide for making decisions and conducting business every day. It is our duty and privilege to be customer champions and put those we serve at the center of everything we do.

NOONPAY

noon pay is a secure digital payments platform that allows you to take control of your bill payments and transactions from a single app.

Revolutionizing the payments process, noon’s homegrown payments app, noon pay, can be used to top up accounts or pay bills in just a few clicks. Customers using noon pay will also receive extra benefits such as cash back on select purchases and recharges.

TRRIPLE

Trriple is currently the only digital payments platform in the UAE designed for both consumers and businesses, saving everyone time and money on anytime, anywhere payments.

TIQMO

Headquartered in Riyadh, Tiqmo is a mobile payment service provider that aims to build an ecosystem for digital payments and services marketplace in the MENA region, by offering solutions for E-Commerce, gaming, logistics, education.

INSURTECH

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AURA

AURA is an enabler of non-insurance businesses to provide insurance to their customers. AURA helps customers purchase insurance within their 8-second attention span by embedding insurance with its partner’s offerings via its proprietary add to basket APIs for insurance.

BAYZAT

Bayzat is the work life platform that benefits everyone. We are redefining the way work works for the better, making automated HR, payroll, employee benefits, and insurance a possibility for all businesses.

Our unique solutions are based on the needs of people like you, and can free your team to do work that matters. And the time and money we’ll save you, can be spent taking your business and employee experience to the next level.

BUYANYINSURANCE

Our platform is built on over a decade’s worth of insurance experience and expertise. We specialize in making a comparative analysis of the insurance products on the basis of price, quality, and key benefits.

CARASTI

Cars were designed to provide us with additional freedom in our everyday life – but with multiple disjointed services to deal with, such as bank loans, insurance, dealerships, registration, as well as large down payments, it feels like car ownership in its current form is actually holding us back. Carasti was designed to unlock more possibilities for drivers – a world where access to cars is easy, seamless and convenient, and where cars offer freedom, not frustrations.

DEMOCRANCE

Democrance helps insurers increase their digital sales and access new customer segments. Headquartered in Dubai, UAE and operating across the Middle East and Africa, South-East Asia and Latin America, Democrance works with insurers, mobile operators and other industries to offer insurance and protection to the underinsured and uninsured population of emerging markets.

DEZZEX

Dezzex is an Artificial intelligence startup, we work with insurance, rental, government agency, Our area of expertise is in image and video analysis using deep learning, Currently applied to Motor claims, car inspections, Used car inspections. We offer a digital platform for insurance companies for digital claim filling, smart garage, smart surveyor application systems to ease and provide a digital claim experience to their customer.

FELIX

Felix is an all-in-one SaaS platform that brokers use to instantly modernise they way they do business and leapfrog their competitors.

Our insurance software is built, from the ground up, for the insurance industry. Our tools, features and insurer integrations quickly streamline our clients’ core back-office insurance workflows and give them the benefits of a modern, lightweight low-cost SaaS solution.

FINMAAL

FINMAAL is on a mission to simplify financial ecosystem for the people to make their lives easier so that they can use their time, money and efforts wisely.

FINMAAL is a fintech venture based in Dubai, United Arab Emirates. Our first product is an intelligent platform to help people make quality decisions while selecting and buying financial products such as car insurance, medical insurance, home insurance, travel insurance, credit cards, bank accounts, SME Insurance etc.

HALA

With Hala, you get wide insurance coverage, exceptional customer support, and a smooth transparent process. Get yourself a simple and cost-effective way to purchase an insurance policy. Hala wallah!

INSUREATOASIS

InsureAtOasis is the online marketplace introduced by Gulf Oasis Insurance Brokers LLC to help its customers get policies with ease. Buy and Renew different types of insurance policies online without any hassle. Compare insurance quotes, explore insurance premium calculator, enjoy stress free claims and more.

POLICYBAZAAR

PolicyBazaar.com is India’s prominent online life insurance and general insurance aggregator. We are specialized in making comparative analysis of the insurance products. The basis for the comparison is price, quality and key benefits.

Based on user input’s, various options in the desired insurance product are showcased to him/her. To facilitate the user understanding of the products, there are special segments like “knowledge.policybazaar” and “ask.policybazaar”. Under these segments, customer queries are answered and information about new insurance products and trends are shared with the users.

REEM TAKAFUL

Reem Takaful enables ethical and inclusive risk coverage for farmers who are exposed to the perils of crop due to climate change.

SEHTEQ

Sehteq “​ Arabic for your health”​ is Oscar-Like digital health insurance company in UAE backed by Ras Al Khaimah based VC 971 Capital.

Sehteq offers low cost, consumer centric, and regulatory compliant health insurance plans to individuals, SME’s and large groups in 6 out of the 7 Emirates in UAE and soon to launch in Abu Dhabi.

SOUQALMAL

Personal finance can be a topic that often overwhelms people – Think banking, insurance, saving, investing and just about anything to do with managing money. We at Souqalmal.com are working hard to make personal finance easier to grasp, more transparent and readily accessible for our users.

VIRTUAL I

Sehteq “​ Arabic for your health”​ is Oscar-Like digital health insurance company in UAE backed by Ras Al Khaimah based VC 971 Capital.

Sehteq offers low cost, consumer centric, and regulatory compliant health insurance plans to individuals, SME’s and large groups in 6 out of the 7 Emirates in UAE and soon to launch in Abu Dhabi.

YALLACOMPARE

yallacompare (formerly compareit4me.com) is the Middle East’s leading comparison site. Using its platform, users can compare and apply for bank accounts, insurance policies, credit cards, loans, cars and more in nine markets across the MENA region.

This page contains information about 144 UAE Fintech Startups featured on the UAE Fintech Map 2021.

LENDING

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BEEHIVE

Beehive is MENA’s first regulated online marketplace for peer-to-peer lending.

Beehive directly connects smart investors and creditworthy businesses to build mutually beneficial partnerships for growth. Our platform applies the innovative technology of crowdfunding to eliminate the cost and complexity of conventional finance, meaning investors get better returns and businesses get faster access to lower cost finance. Find out more at beehive.ae.

DATACULTR

Datacultr is a Risk Mitigation & Debt Collections platform that allows consumer lending companies to significantly reduce their risk on ‘New to Credit’​ customers.

Datacultr enables the lender to give out unsecured loans, at a lower risk, by allowing borrowers to present their newly purchased or existing smartphone as a ‘virtual’ collateral.

FLEXXPAY

Instant pay platform for businesses. Boost staff motivation & retention while removing financial stress from employees. Reduce HR workload and employee absent days. Increase financial literacy for employees by using FlexxPay’s budgeting and savings tools.

FUNDER.AI

Fast invoice financing for UAE businesses. We deliver the funds quickly, in as little as 24 hours after approval. We have an SME invoice finance solution that can be tailored to your specific requirements.

HUSPY

Huspy simplifies home financing. Find the mortgage that matches your needs, get pre-approved online, and we’ll help you close in just weeks.

We believe getting a mortgage is something to celebrate. After all, you’ve worked hard to reach your financial goals. You shouldn’t be held back by a difficult process, unanswered questions, or lack of knowing what’s available to you. Huspy is redefining the home buying process with an easy-to-use experience that puts the buyer first.

INVOICE BAZAAR

Invoice Bazaar was set up in 2016 as a Supply Chain Finance and Receivables Finance Platform based out of Dubai, UAE. It has worked with local banks/regulated funds to originate and deploy capital in Supply Chain Finance/Receivables Finance transactions. Invoice Bazaar was acquired in May 2021 by Singapore based Triterras Fintech.

MONAMI TECH

At Monami Tech, we work alongside financial institutions and telcos to bridge the gap between conventional and sophistication through modern digital solutions that enhance user experience. Institutions can offer their customers a simple, secure and personalized experience on any device they choose. Whether it’s something as basic as opening an account, sending money across the globe or even applying for a loan, our technology makes financial services easy, anytime and anywhere.

MONIMOVE

MoniMove has created a new FinTech standard that installs high security and strong governance into the International Supply Chain and Trade Finance industry. The platform is specifically designed to reduce risk, cost and mitigate disputes to create a safe and secure trading ecology

PI SLICE

Pi Slice is a web based social platform which represents a new channel of funding for Micro Finance Institutions. Its framework is a unique, connecting system that links individuals and companies who wish to invest – with MENA based MFIs – which in turn use the funds to provide micro-credit to their customers. Through this web based platform, motivated individuals and companies can help MFIs in the MENA region to build a sustainable future for micro-entrepreneurs, as well as a favourable ecosystem for development at the macro level.

SPOTII

Shop Now, Pay Later. No interest, no cost and no catch. Really. Enjoy more of the Fashion, Beauty and Lifestyle brands that you love, today.

TABBY

tabby makes shopping more rewarding by empowering people with the flexibility and freedom to get what they want. tabby lets you shop now, pay later and earn cash – without the interest, fees or debt traps.

OPEN BANKING

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DEPOSIT BOOK

We are a UK and DIFC based Fintech company www.deposit-book.com, a global marketplace and an open banking platform for wholesale deposits (High Value Deposits) . We are inviting Global Banks, Large Corporates and FI’s to join our platform to raise and place wholesale deposits through our platform.

LAYER

Layer is one of the global leaders in the financial technology industry, offering a broad range of products, solutions and services for retail banks, corporate banks, Islamic banks, credit unions, insurance companies and non-financial institutions.

LEAN TECHNOLOGIES

At Lean, we are building developer-friendly infrastructure to provide access to consumer Financial data.

Our simple APIs abstract developers away from the complexities of the financial ecosystem, enabling them to focus on what matters most; the consumer.

We are a team of impact-driven entrepreneurs and technologists on a mission to enable the next generation of Financial innovation in the Middle East.

TARABUT GATEWAY

Enabling a New World of Financial Services

MENA’s first and largest regulated Open Banking platform (AISP & PISP) that connects a regional network of banks and FinTechs via a universal application programming interface (API).

By offering tools that allow the facilitation and distribution of personalized financial services, Tarabut Gateway enables financial institutions to build a new world of financial services in MENA.

TEMENOS

Founded in 1993 and listed on the Swiss Stock Exchange (SIX: TEMN), Temenos AG is the world’s leader in banking software combining the richest packaged functionality and the most advanced cloud-native, cloud-agnostic, AI and API-first technology. We are passionate about helping financial institutions of all sizes, in all sectors, around the world, to dramatically accelerate their digital transformation.

PAYMENT

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3S MONEY


3s.money is a bank challenger that connects corporates to their customers globally by providing them with local business accounts to send and receive funds through all major payment rails. The digital accounts are designed for high value import and export transactions, dividend distributions, finance and treasury operations with 3s.money handling all aspects of cross-border payments and FX risk management. With enhanced due diligence and an invitation only policy the company provides true global coverage for many discerning corporates.

ABBREVIA

Abbrevia is an innovative provider of leading-edge test and certification platform with a global customer base. We provide our customers access to best-of-breed payments test products through exclusive alliances with international market leaders.

ADYEN

Adyen (AMS: ADYEN) is the payments platform of choice for many of the world’s leading companies, providing a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers’​ globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels. With offices across the world, Adyen serves customers including Facebook, Uber, Spotify, Casper, Bonobos and L’Oreal.

AJAR

Ajar allows landlords to collect payments securely, manage properties efficiently, and track performance seamlessly, while empowering tenants with rewarding online payments.

AMAZON PAYMENT SERVICES

Amazon Payment Services is a new payment processing service that operates across the Middle East and North Africa (MENA) region with a mission to empower online

BEAM

Beam is a 21st century global payments acceptance platform with built-in support for smart contracts. We created Beam to overturn the status quo in the retail value chain; where stakeholders engage with their customers in a direct, meaningful and effective manner.

BRIDG

Get Bridg, pay anywhere. Start paying with your smart phone for a more secure way to pay.

CAREEM

At Careem, we are driven by the purpose of simplifying the lives of people and building an awesome organisation that inspires. Based in Dubai, we started our journey as a pioneer of the Middle East’s ride-hailing economy. Today, Careem is the region’s everyday Super App operational in 13 countries and over 100 cities. The Super App provides a host of daily services that people need to move around, to order things and to transfer money in one unified smartphone app. Our goal is to simplify people’s daily lives so that they can spend their precious time and mindshare on things that really matter and on realizing their potential.

CASHEW

Cashew allows banks to easily upgrade their mobile applications and turn them into payment tools with value-added services for their customers thereby to initiate online and offline purchases and provide bank’s clients with point-of-sale financing.

Thanks to direct payments to lower commission for transaction to 0.5%.

CHECKOUT.COM

Checkout.com empowers businesses to adapt and innovate. The company’s technology makes payments seamless. Flexible solutions, granular data, and instant insights help global enterprises launch new products in new markets and create outstanding customer experiences. Checkout.com provides the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, world-class fraud filters and reporting through one API. Checkout.com can accept all major international credit and debit cards, as well as popular alternative and local payment methods. The company launched in 2012 and now has a team of over 1100 people across 18 offices worldwide, offering local expertise where it’s needed.

DAPI



Dapi is a real time banking API that enables companies to accept bank transfer payment within any application instantly with near zero cost. Our mission to simplify bank payment and reduce online processing fees.

EBURY

Ebury is a financial services company, specialising in international cash management solutions including cross-border payments, FX risk management, and business lending.

ERESOLUTE



eResolute is a futuristic fintech company with a core focus on aggregating billers globally. We have a global customer base and have processed more than 1 billion transactions through our platforms.

FINLLECT

Get the credit your deserve. Redefine how you manage money with Finllect. Build your credit score for free in minutes to pre-qualify for financial services that you’ve always wanted.

Turbocharge managing all your finances, set up budgets, and keep winning rewards to save more. Learn all the skills you need to make the right financial choices, plan for your goals, and save for a better tomorrow.

FOLOOSI

Foloosi is a UAE Fintech startup facilitating consumer-to-business digital marketplace. Foloosi offers a complete technically advanced digital solution, which seamlessly connects consumers with businesses to provide an actionable flow of events resulting in a fast and secure way of making business happen successfully.

HYPERPAY

HyperPay is the fastest growing online payment service provider in the MENA region, serving the largest merchants and banks since 2014.

We provide a wide range of payment processing services for businesses selling online and offline. Connecting merchants to a consolidated network of global, regional, and local payment methods.

JAIB

Jaib is a payment method that provides instant credit to online shoppers in emerging markets without the necessity of a bank account. Your customers can “Buy Now, Pay Later”​!

We use machine learning to build alternative credit scores on customers where credit bureau data is lacking and based on our assessment we provide a facility in which customers can pay for their orders up to 14-days later and in a variety of settlement methods, including cash!

KLAIM.AI

KLAIM.AI is an innovative HealthTech – FinTech startup from Dubai transforming healthcare billing and processing by combining a powerful AI driven claim management SaaS platform as well as Financing under one umbrella.

With a strong mission to simplify healthcare payments for everyone, we provide an easy-to-use platform to trace and compile claims history under our revolutionary platform.

MAMOPAY

Simpler, faster, friendler finance. Mamo Limited is regulated by the Dubai Financial Services Authority (“DFSA”), with registration number F005922, for Providing Money Services under an Innovation Testing Licence (“ITL”). This allows Mamo to test its products and services under conditions defined by the DFSA. We endeavour to always keep your safety and security front and center, however, it’s important to know that in the extreme and rare event of loss, clients are limited in their rights during this phase of our licence.

MENAPAY

MenaPay stands for connecting consumers with the digital economy focusing on the unbanked population. MenaPay is the first, fully backed and blockchain based non-bank mobile payment solution and Super Application in the Middle East & Africa region digitalizing cash through a network of offline & online resellers. MenaPay focuses on becoming the digital bank of the region with the vision of connecting new potential consumers with the digital economy. Established in Dubai-UAE by well-known business leaders, MenaPay creates a gateway for the merchants all over the world to onboard the potential consumers in the MENA region.

NETWORK INTERNATIONAL

For over 20 years, Network International has delivered innovative solutions that drive revenue and profitability for our customers. This philosophy has seen us grow into the largest acquirer in the UAE and the leading enabler of digital commerce in the Middle East and Africa (MEA) region.

We provide a robust suite of payment products and services – that are on the cutting edge of technology development – to more than 80,000 merchant partners and 200 financial institutions across 50+ countries.

NYMCARD

NymCard is the only BaaS provider based in the Middle East offering a modern payment issuing and processing platform that allows booming startups, Fintechs, large enterprises, and banks, in the MENA region to Instantly create, control, and distribute virtual or physical cards using their modern, fully public API platform.

NymCard aims to bridge the gap of complex legacy systems by simply embedding finance into applications and customer journeys for payment innovators to work with.

PAYLINK

The PayLink is an innovative new app for merchants that allows them to accept online payment without needing a website or website. Get in touch and join us today!

PAYTABS

PayTabs is an award winning, B2B, payments solutions powerhouse. It was established in 2014 by Saudi entrepreneur Abdulaziz Al Jouf as he sketched the concept of an affordable payment for investors. His objective was clear. To assist startups and small and medium sized merchants that wanted a secure online payments solution but did not want to navigate through the complex maze of obtaining one. To take their e-commerce businesses global by giving them access to pay and get paid digitally, albeit with security and simplicity.

POINTCHECKOUT

PointCheckout allows you to spend your loyalty points and miles on any online store in our network, anytime you want!

POSTPAY

Postpay aims to transform the way people pay without burdening them with interest fees and hidden charges.

Postpay was founded in 2019 and is the leading buy now, pay later provider in the region. We offer shoppers transparent, flexible, and seamless options to pay in installments online (on our partner stores) with absolutely no added risk to our partners.

RISE

We are rise. We’re a financial services platform for migrants, helping them manage their finances in host and home country seamlessly on a single platform.

More than 250 million migrants globally cumulatively support a billion people – we are helping them build a better future.

PYYPL

Pyypl is an international payment technology company and financial services provider using blockchain in its core systems. Pyypl is globally accepted digital alternative for a credit card, if you cannot get one. Pyypl connects any smartphone owner into the formal financial system. Pyypl works immediately, and it can be used anywhere, anytime. Pyypl is safe, affordable and easy to use. We are proud to be 100% compliant with all the regulative and security standards and to support global initiatives for financial inclusion. Pyypl has the ambition to become the biggest fintech payment services provider in the Middle-East, Africa and Central Asia region.

Pyypl Group Ltd operates under Abu Dhabi Global Market.

SKRILL

Skrill provide digital payments solutions to consumers and businesses around the world. From betting and trading to shopping to gaming, our online and mobile payment solutions help customers make payments when and how they want to. Our business solutions let companies of all sizes trade in a global marketplace.

STRIPE

Stripe is a technology company that builds economic infrastructure for the internet. Businesses of every size—from new startups to public companies like Salesforce and Facebook—use the company’s software to accept online payments and run technically sophisticated financial operations in more than 100 countries. Stripe helps new companies get started and grow their revenues, and established businesses accelerate into new markets and launch new business models. Over the long term, Stripe aims to increase the GDP of the internet.

STS PAYONE

STS PayOne is a leading processor and provider of payment gateway solutions, utilizing in-house developed technology, STS PayOne delivers mission-critical enterprise-scale solutions that are PCI compliant, and takes pride in its unparalleled agility in order to effectively cater to the specific needs of clients through its team of highly qualified experts.

TAP

Tap simplifies payments for businesses. Our team works every day to provide a seamless payment experience for our customers. We focus on how people pay and that is the essence of our offering to businesses. We keep things simple to setup and give a safe, robust service that evolves with the needs of every business. Our team of payment experts and rookies work day and night on innovating payments from our hub in Kuwait serving people in the Middle East.

TARABUT GATEWAY

Enabling a New World of Financial Services

MENA’s first and largest regulated Open Banking platform (AISP & PISP) that connects a regional network of banks and FinTechs via a universal application programming interface (API).

By offering tools that allow the facilitation and distribution of personalized financial services, Tarabut Gateway enables financial institutions to build a new world of financial services in MENA.

TELR

Telr is an award-winning payment gateway provider, founded in 2014, and with offices in Singapore, the UAE, India, and Saudi Arabia. We offer a set of APIs and tools that enable businesses to accept and manage online payments via web, mobile and social media.

We are committed to enabling e-commerce in emerging markets.

We really like startups and SMEs and we design our payment services and solutions to specifically cater to their needs.

TPAY MOBILE

For local and global digital service providers, accepting cross-border digital payments across MEA and Turkey has been complex, involving multiple service providers – until now.

By acting as an acquirer and payment processor, TPAY MOBILE provides the only full service, end to end mobile payments platform in the region. Even better, this is achieved through a simple integration with a single API.

TRRIPLE

Trriple is currently the only digital payments platform in the UAE designed for both consumers and businesses, saving everyone time and money on anytime, anywhere payments.

WHITE PAYMENTS

White allows you to start accepting online payments in under 5 minutes. Built for the Middle East.

Why an online payments company, you ask? Well, for a few reasons. When accepting online payments is exceptionally hard, startups die – before they are even born. Someone with an idea that needs validation shouldn’t need to pay $50,000 in security deposits just to see if the idea will succeed or not.

ZBOONI

Zbooni is a chat commerce platform, enabling merchants to sell products over any chat application.

The invoicing tool that lets you create orders in seconds through a fast and safe checkout experience.

ZIINA

Ziina is bringing the next generation of financial services to the Middle East.

As the UAE’s first peer-to-peer payment app, Ziina is on a mission to simplify finance for everyone. Send and receive payments with just a phone number—no IBAN or swift code required. Ziina offers bank-grade security and end-to-end encryption, never holding onto your money so every transfer goes fast. Currently available to UAE residents on iOS and Android, the app provides a seamless way for friends and family to split the cost of takeout or a grocery bill. As Ziina grows, we’re committed to creating a new age of money in the Middle East and redefining how people use technology to transform their finances.

REGTECH

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AZAKAW

Azakaw is a technology company built to cater the need of the financial industry through our advanced, automated, and modular RegTech platform.

CYNOPSIS.CO

As a RegTech company, we combine our deep regulatory and Compliance expertise with smart technologies to offer cost effective AML/CTF solutions.

DX COMPLIANCE

Leading the market in AML Transaction Monitoring software for Private Banks, B2B Challenger Banks, and Payments companies.

We’ve walked in your shoes: Our software is designed by compliance professionals, for compliance professionals, regularly tested and updated with working groups.

We believe in making AML compliance a competitive advantage.

REGAL38I83

ALTERNATIVE FINANCIAL SERVICES FOR A BETTER WORLD GREEN FINTECH PROMOTING GREEN FINANCE, GREEN BLOCKCHAIN Regal 38I8 is a Green Fintech offering alternative financial services based on Green Blockchain. We are expert in Green and Sustainable Economy and developing growth through Green changes. We offer several solutions: OIII3 BANK : Self-Sustainable Green financial Ecosystem using Green Blockchain, unifying Emerging Countries (EC) Green Economy Regal 11: Regulatory & Compliance tool using artificial intelligence; linking Eastern and Western Regulations into One New Payment solution “Cristal Card 369” which provides AML/KYC verification within one click HG2 – New ethical trading platform using only Green Commodities and meeting International targets on Climate changes

REMITTANCE

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DENARII

Denarii Cash enable money transfer using mobile wallet to help overseas workers to send money home with zerofees.

EMQ

EMQ operates a global financial settlement network that provides a faster, more affordable and transparent cross-border settlement solution for businesses around the world, while adhering to complex regulations and compliance standards in different markets.

Our flexible network infrastructure has been built to effectively settle any cross-border movement of capital and can be deployed across multiple vertical industries for a broad range of services, including e-commerce, merchant settlement, procurement, remittance, insurance, trade settlement, payroll, etc.

NOW MONEY

Our vision at NOW Money is a world where everyone has instant access to financial services they can, and want, to use.

REMITR

Remitr was created around the principle of facilitating small business growth and global commerce. Our motto for business payments is “Effortless, On-Time, Wherever You Do Business”.

We are passionate about championing small business owners and making it easier for them to focus on the important work of growing their business.

Are we accomplishing this with a payments solution? Absolutely!

WISE

We’re making a positive, irreversible change in the world of finance. Together.

People on every continent around the world are choosing Wise to help them live, travel and work internationally. We’re the fairest, easiest way to send money overseas.

Built by and for people who live global lives, we make sending money abroad up to 8 times cheaper than the bank. This is money without borders – instant, convenient, transparent and eventually free.

XARE

Xare ( /share/) is a revolutionary new app which allows anyone to be a bank to their tribe.

We are creating a billion banks – powered by everyday individuals who want to help each other get access to fair and equitable finance.

Xare allows anyone to share access to their debit or credit cards with anyone else in their tribe.

WEALTHTECH

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ADDITIV

Established in 1998, additiv partners with leading companies across the world to help them capitalize on the possibilities of digital wealth and investment management.

additiv’s DFS® omnichannel orchestration platform is a system of intelligence for wealth management. It supports wealth managers looking for best-in-class Software-as-a-Service (SaaS) to deliver better engagement at greater scale. It enables financial institutions to access new distribution channels through a Banking-as-a-Service (BaaS) model. And it allows banking and non-banking providers to embed wealth services into their proposition.

Headquartered in Switzerland, with regional offices in Singapore, UAE, Germany and Kenya, additiv is supported by a global ecosystem of partners.

BARAKA

Established in 1998, additiv partners with leading companies across the world to help them capitalize on the possibilities of digital wealth and investment management.

additiv’s DFS® omnichannel orchestration platform is a system of intelligence for wealth management. It supports wealth managers looking for best-in-class Software-as-a-Service (SaaS) to deliver better engagement at greater scale. It enables financial institutions to access new distribution channels through a Banking-as-a-Service (BaaS) model. And it allows banking and non-banking providers to embed wealth services into their proposition.

Headquartered in Switzerland, with regional offices in Singapore, UAE, Germany and Kenya, additiv is supported by a global ecosystem of partners.

DALMA CAPITAL

Dalma Capital is a global alternative investment platform and accelerator focused on alpha generating strategies with an inherent edge in emerging investment strategies and markets.

Established in 2011 and headquartered in the Dubai International Finance Centre, Dalma Capital’s goal is to identify the next generation of alpha generating ‘edge’ fund managers, strategies and opportunities.

FINAMAZE

FinaMaze is MENA’s first AI Digital Wealth Manager, holding an Asset Management license in ADGM.

– Founded by a highly experienced team with decades of track record in capital markets and asset management
– A smooth online onboarding process, and an intuitive interface and dashboard – Over 100 portfolios are currently being managed by FinaMaze hybrid human/ machine team across: . multi-asset class/generalist/ smart beta as well as . regional (USA, Gulf, China), Sectorial (Tech, Financials, Real Estate) and . alpha-generating portfolios (Covid-related long/ short, Inflation protection, Crypto long/ short)

INVESTERA

Investera Business Solutions, an organization that is dedicated to the advancement of the financial services industry & the space of information technology and Data science. Our business applications help you identify opportunities and optimize your investments. We deliver reliable and straightforward solutions that enables you to make critical decisions based on a solid foundation.

NEO MENA TECHNOLOGIES

Investera Business Solutions, an organization that is dedicated to the advancement of the financial services industry & the space of information technology and Data science. Our business applications help you identify opportunities and optimize your investments. We deliver reliable and straightforward solutions that enables you to make critical decisions based on a solid foundation.

SARWA

Sarwa.co is the first hybrid automated investment platform in the region. Sarwa’s platform makes investing easy, secure and affordable, by combining proven investment strategies with technology that drives down costs. Build your wealth with a personalized, low-cost, diversified portfolio and reach our investment experts at www.sarwa.co

Sarwa Classic is Regulated by the DFSA, Sarwa X is regulated by the ADGM Financial Services Regulatory Authority.

STASHAWAY

StashAway is the digital wealth manager that intelligently navigates macroeconomic data, not the market ups and downs. Our clients get similar returns to benchmarks with just a fraction of the risk. It’s not magic; it’s intelligent investing.

StashAway personalises financial planning and portfolio management for the vast range of needs of retail and accredited investors alike.

WALLY

Wally is the easiest and fastest way for people to track all their accounts, day-to-day spending, and budgets. Families and friends use Wally to track joint accounts, split payments, and shared budgets.

Founded by two brothers, Wally has helped millions of people around the world reach their financial goals.