Top FinTech Startups in United Arab Emirates

The United Arab Emirates is home to thriving fintech startups like Tabby, PayBy, YAP, and Sarwa, which are revolutionizing digital payments, lending, wealth management, and banking services.

Backed by government initiatives, UAE fintech firms leverage cutting-edge technology to address financial inclusion and customer convenience, positioning the region as a innovation hub in financial services.

Top FinTech Startups in UAE

Ziina

Ziina is on a mission to simplify everyone’s finances. Sign up in 1 minute to get paid instantly by anyone, anywhere.

Currently available to UAE residents on iOS and Android, the app provides a seamless way for small businesses to collect payments through cards, Apple Pay, and Google Pay.

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.

FinFlx

FinFlx is the first B2B cloud-based gratuity management solution to help SMEs implement, manage and monitor their end-of-service benefits in a seamless, transparent, and cost-efficient way with the help of AI and cloud technologies.

Sarwa

Sarwa is a comprehensive financial platform and app that simplifies your investing journey. With Sarwa, you can easily trade stocks and ETFs, buy and sell cryptocurrencies, and manage your passive investments—all in one convenient place.

Tabby (tabby.ai)

Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Millions of active users choose Tabby to stay in control of their spending and make the most out of their money.

Abhi Fintech

Abhi is a financial wellness platform that empowers employees with access to salary advances based on their earned wages. As a salary advance app, Abhi aims to revolutionize the way people manage their finances. It allows users to withdraw a portion of their accrued salary directly into any bank account. Additionally, Abhi helps employers ease the burden on HR and finance teams while supporting the financial needs of their employees.

Fasset

Fasset is a global digital asset gateway that brings unparalleled accessibility to the digital asset space. Through our simple, safe and innovative digital assets, we provide people in emerging markets the opportunity to build a better future. We are pioneering web3 technologies and driving the adoption of digital assets for the next billion.

Pluto Card (getpluto.com)

Pluto is a leading corporate card and company spending management platform designed specifically for businesses in the MENA region.

From small startups to large multinational corporations, businesses like Property Finder, Knight Frank, and Swissport rely on Pluto to streamline their non-payroll spending.

With Pluto, you gain access to instant corporate card issuance, comprehensive end-to-end reimbursement solutions, and seamless petty cash management—all in one powerful platform.

YouCloud Paytech Ltd

YouCloud Pay is a B2B fintech company headquartered in Dubai, offering a comprehensive payment, commerce, and analytics platform tailored for the SMB market through a SaaS model.

The platform includes a payment gateway, point of sale (POS) hardware, business management tools, and advanced analytics software. It serves as an all-in-one solution for retailers and restaurant owners, featuring inventory management, payment processing, seamless bookkeeping, promotions, loyalty programs, and an integrated marketing module. Additionally, the YouCloud B2B portal provides valuable tools for suppliers.

Singularity Finance

Singularity is a Fintech startup focusing on easing everyone’s accessibility to financial tools and services. There are shortcomings in the existing channels that the pandemic has highlighted; having financial nets and tools for people to access was crucial and non-existent in some countries.

Singularity’s main objective is to create a complete financial platform that leverages new technologies like blockchain, AI, etc. while being accessible from a smartphone. Singularity has four products.

Bankable API Marketplace

Accelerate time-to-market and bypass legacy systems with rapid open banking compliance.

BankableAPI is a SaaS-based open banking platform offering advanced tools that enable fast API integration, allowing third parties to start generating revenue quickly in a $43B market. It seamlessly connects both banks and non-banks with third parties, ensuring quick and efficient integration.

With its unified, high-throughput, low-latency platform, BankableAPI offers cost-effective solutions and fast time-to-market.

Conclusion

The United Arab Emirates (UAE) has emerged as a FinTech hub, driven by supportive regulations and rapid digital transformation.

The Leading companies include Mashreq Neo, a pioneer in digital banking, and YAP, offering cutting-edge financial services. Startups like Tabby and PayBy innovate in buy-now-pay-later (BNPL) and payment solutions. The Dubai International Financial Centre (DIFC) and Abu Dhabi Global Market (ADGM) foster growth through incubators and accelerators.

Blockchain technology is a focus, with firms like MidChains advancing digital asset trading. With strong government backing and a tech-savvy population, the UAE continues to lead in financial technology innovation across the MENA region.

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