A financial-infrastructure provider and tech enabler: we build your financial systems and apps end to end, wallets, financing, collection, settlement and treasury, and integrate open banking and payments through infrastructure partners licensed by the central bank, so you get the capability without carrying the licence.
We automatically capture and extract every required detail, name, phone, address, straight from your customer’s bank account.
We pull the customer’s address directly from their bank account for accurate, hassle-free verification.
Your account has been verified successfully
Our matching engine confirms the customer’s details match their account, stopping fraud and money laundering before it starts.
The central bank launched its Open Banking framework under Vision 2030, giving customers the right to securely share their banking data with approved providers, and opening the door to new financial products: smarter financing, cheaper payments, easier experiences.
Three obstacles we see in almost every project, and how we handle them.
Every bank has a different interface, every integration eats months of dev time, and maintenance is a permanent burden after launch.
One interface through our licensed partners connects you to 30+ banks, and we own the integration, operation and maintenance.
Banking activity is regulated, and entering it directly means licences, capital and ongoing supervision most models can't carry.
Regulated activity runs exclusively through central-bank-licensed partners, so you get the capability without holding the licence.
An API alone isn't a product: the experience, decision engine, ops dashboards and reporting are still on you.
We build the full product around those APIs: app, decision engine, ops dashboard and reports ready for your team.
Between your customer and bank accounts sits a complex technical and regulatory layer. We own it entirely: we design and build the product, integrate open banking and payments through central-bank-licensed partners, then hand you a working product and run it with you.
Regulated activity via licensed partners: capability without the licence burden.
Proven integrations cut launch from months to weeks.
We build the whole experience: app, dashboards and ready reports.
An end-to-end bundle covering the fintech journey. Regulated banking services run through our licensed partners; we build and wrap them inside your product.
Secure, consent-based access to accounts, balances and transaction history from 30+ banks through one interface.
Instant account-to-account (A2A) collection and payment, cheaper than cards, with recurring payments and automated disbursement.
Real-time account-ownership and identity verification, to speed up account opening and cut fraud.
Transaction categorisation, income and liability analysis, and affordability signals for sharper credit decisions.
This is the heart of our value: we build your apps, platforms and dashboards, and embed open banking and payments inside them, so you get a finished, ready-to-run product, not just APIs.
Branded financial experiences: multi-account linking via open banking, instant transfers, analytics dashboards and biometric authentication, built end to end, with payment rails running through licensed partners.
Customers don't buy an API, they buy a working platform. We build financial systems from scratch: from the user interface to the operations engine to the bank connection.
Issue, top up from account, P2P transfers, with KYC.
Application journey, a credit engine from bank data, and automated collection.
Savings goals and automatic recurring debit from the account.
Individual and pooled funds, with portfolio funding straight from the bank.
Automated invoicing and reminders, and direct account collection.
Automatic matching of payments to invoices, with ready settlement reports.
Every bank balance in real time, with liquidity forecasting.
Self-service statements, invoices and e-payment.
Sync entries, payment orders and bank reconciliation.
All your bank balances, collection and automated settlement, in one platform we build around your operations.
Bank names indicate the coverage available through our infrastructure partners licensed by the Saudi central bank.
Open banking and payment capabilities aren't limited to fintech companies. Here are ready models across vital sectors.
Verify IBAN, pay claims, automatic settlement.
Verified income & transactions instead of PDFs, instant disbursal.
Assess affordability instantly, approve installments with confidence.
Link the account, instant top-up/withdraw, unified view.
Automated KYC, recipient checks, low-cost direct transfers.
Link the account, verify source of funds, deposit & withdraw.
Verify accounts and source of funds before approval.
Merchant verification, direct payments, refunds handling.
Verify the party, income and source of funds.
Verify tenant & income, pay & deposit, settle.
Verify income before financing, direct payout to the dealer.
Direct bank payment, instant issuance, automated refunds.
Bank top-ups, fraud prevention, instant winnings payouts.
Seller onboarding & verification and payouts.
Carrier & driver onboarding, trip approval, payouts.
Document & account verification and payouts.
KYB, IBAN verification and supplier payouts.
We run the project in disciplined phases that give you full visibility into what happens and when, from the first discovery session to well after launch.
We understand your business model and use case, and define the services and compliance requirements.
1 weekUX and consent-screen design, and mapping data and payment flows.
2 weeksBuilding the interfaces and systems, and integrating with the licensed infrastructure in a sandbox.
4–8 weeksFunctional and security testing, consent review, and meeting activation requirements.
1–2 weeksA controlled move to the live environment with a phased rollout and real-time monitoring.
1 weekSupport, monitoring, periodic improvements, and adding services as you grow.
OngoingRole clarity is the foundation of our model: we build and enable, and our licensed partners perform the banking activity under the central bank's supervision. That separation gives you the speed of technology and the reliability of a licence together.
We meet clients at different points in their journey: from an idea that needs a proof of concept, to a live product that needs banking capabilities, to a team that needs a permanent technical partner.
A prototype on a sandbox that proves the use case to your board or investor before full commitment.
Building the complete product and integrating it with the licensed infrastructure, with the right to launch live and full ownership of the code.
A dedicated team handles support, monitoring, improvements and adding capabilities as your product expands or enters a new market.
Instead of contracting a development firm, then an open-banking provider, then a compliance consultant, you get the whole stack from us with one contract and one responsibility.
A local team that understands the market and regulation, building to global standards, Arabic-first and from day one.
We work with infrastructure providers licensed by the central bank across the Kingdom and region.
A track record across insurance, logistics and asset management, we know how systems are actually run.
One party accountable for design, build, integration and support, no finger-pointing.
Regulated banking activity runs through infrastructure partners licensed by the central bank; we build your product and wrap those capabilities inside it, so you get the function without carrying the licence burden. And if you later want your own licence, we build to match its requirements.
We connect you to the banks available through the open-banking ecosystem and our licensed partners, including the Kingdom's major banks (30+), with wider coverage across the Gulf depending on the case.
A proof of concept takes 4 to 6 weeks, and a complete, launch-ready product 8 to 16 weeks, depending on scope and number of integrations.
You do, entirely. You get full ownership of the code and intellectual property of the product we build.
Consent-first: no data access without the customer's explicit consent through their bank's channels, with encryption in transit and at rest, scoped access controls, and processing compliant with the Personal Data Protection Law.
Yes. Many projects start through our licensed partners, so you launch your product without waiting for your own licence, and we prepare the architecture to match its requirements if you decide to obtain it later.
Book a discovery call where we review your use case and map out the solution, cost and timeline, with no commitment.
We usually reply within one business day