Fintech App Development
Company Dubai
We build PCI-DSS compliant digital wallets, BNPL platforms, UAE Open Banking integrations, and loyalty engines — fully cleared for the CBUAE Regulatory Sandbox and UAE Pass biometric authentication.
PCI-DSS
Level 1 Compliant
CBUAE
Sandbox Ready
<5ms
Ledger Latency
10M+
Transactions Built
Fintech Services · Dubai UAE
Everything You Need to Build a UAE Fintech Product
From regulatory-sandbox MVPs to full-scale neobanks — we cover the entire fintech stack with UAE compliance built in from day one.
Digital Wallets & Neobanks
Stored-Value · Multi-Currency · UAE Pass
Full-stack digital wallet and neobank apps with multi-currency ledgers, UAE Pass biometric onboarding, real-time notifications, and CBUAE SVF licence-ready architecture.
BNPL Platforms
Tabby · Tamara · Custom Engine
Build your own Tabby/Tamara-style buy-now-pay-later engine with credit-scoring micro-services, merchant SDK, AML/CFT screening, and configurable instalment plans.
UAE Open Banking APIs
Account Aggregation · PSD2-style
Consume and publish UAE Open Banking-compliant APIs: account data aggregation, payment initiation, consent management, and FAPI-compliant OAuth 2.0 security profiles.
Lending & Credit Platforms
Scoring · Decisioning · Collections
End-to-end digital lending platforms: AI credit-scoring models, automated underwriting, Al Etihad Credit Bureau (AECB) integration, and arrears management dashboards.
Payment Gateway Integration
Tap · Telr · Checkout.com · Apple Pay
Seamless UAE payment gateway integration — Tap Payments, Telr, Checkout.com, Apple Pay UAE, and direct Visa/Mastercard acquiring with PCI-DSS tokenised flows.
Loyalty & Rewards Engines
Points · Cashback · Merchant Ledger
High-throughput merchant loyalty platforms with real-time points ledger, offline QR sync, coalition partner APIs, and fraud detection — proven at Pointfinity scale.
UAE Regulatory Compliance
Built for CBUAE, PCI-DSS & AML/CFT
Financial services in the UAE operate under strict Central Bank, DFSA, and ADGM frameworks. Every architecture decision we make is compliance-first — so you can launch with confidence, not regret.
CBUAE Regulatory Sandbox
Structured sandbox-ready MVPs — we navigate your CBUAE FinTech Office application, build within sandbox constraints, and plan the path to full licensing.
PCI-DSS Level 1
Tokenised payment flows, scoped cardholder data environments (CDE), HSM key management, and annual QSA audit-ready documentation.
AML / CFT Compliance
Integrated AML screening against UAE Central Bank watchlists, FATF guidance, transaction monitoring rules, SAR reporting pipelines, and KYC/CDD orchestration.
UAE Pass Biometric Auth
SOP3-grade biometric authentication via UAE Pass — Emirates ID digital identity, liveness checks, and verified KYC status for banking-grade onboarding.
Open Banking Standards
FAPI 1.0 Advanced security profiles, consent lifecycle management, OpenID Connect for financial services, and Central Bank-aligned API governance.
Data Sovereignty (UAE)
All cardholder and financial data hosted in AWS me-central-1 (UAE), TDRA data-residency compliance, and Tier-IV-equivalent disaster recovery.
UAE Payment Ecosystem
Tap Payments, Telr & UAE Open Banking
Production integrations with every major UAE payment rail — gateway, acquiring, BNPL, and Open Banking.
Tap Payments
Cards, Apple Pay, KNET, mada — UAE-first acquiring gateway
Telr
Multi-currency gateway with Arabic checkout & 3DS2 flows
UAE Open Banking
FAPI-aligned account aggregation & payment initiation APIs
Tabby / Tamara BNPL
Embed BNPL at checkout or build a competing platform
Digital Wallets
Apple Pay, Google Pay UAE, in-app stored-value wallets
UAE Pass Auth
National biometric ID for zero-friction KYC onboarding
Case Study · Fintech
Pointfinity: Enterprise Loyalty Engine
How we built a PCI-DSS Level 1, CBUAE sandbox-compliant merchant loyalty and rewards platform processing 10M+ transactions.
Pointfinity — Merchant Loyalty Engine
Pointfinity is an enterprise-grade merchant loyalty and rewards engine built for the UAE market. We architected a high-throughput double-entry transaction ledger with sub-5ms write latency, offline QR code synchronisation for low-connectivity retail environments, UAE Pass biometric authentication for consumer onboarding, and full CBUAE Regulatory Sandbox compliance. The platform integrates Tap Payments for real-time point redemption, AML/CFT transaction screening, and a multi-tenant merchant dashboard. PCI-DSS Level 1 tokenised cardholder flows ensure zero raw card data ever touches the application layer.
10M+
Transactions Processed
<5ms
Ledger Write Latency
PCI-DSS
Level 1 Certified
CBUAE
Sandbox Compliant
Double-Entry Ledger
Immutable PostgreSQL ledger with event-sourced audit trail — every point earn and burn is cryptographically signed and tamper-evident.
Offline QR Sync
Cryptographically signed QR codes allow offline point redemption in low-connectivity retail locations, syncing atomically when connectivity restores.
Multi-Tenant Merchant API
White-label SDK for merchant POS integration, coalition partner APIs, and a self-serve merchant dashboard with real-time analytics.
Fintech Tech Stack
Battle-Tested Stack for UAE Finance
The same stack powering Pointfinity and UAE-compliant fintech products — chosen for security, scale, and regulatory suitability.
Mobile
Backend & APIs
Data & Ledger
Security
Cloud · UAE
AI / Scoring
Our Process
From Idea to CBUAE-Ready Launch
A structured 5-phase engagement designed for regulated fintech products in the UAE.
01
Discovery & Compliance Mapping
Regulatory scoping, licence pathway, AML/CFT risk assessment, and data-residency planning.
02
Architecture Design
CDE scoping, ledger design, API security profiles, UAE Pass & gateway integration blueprints.
03
Agile Build
2-week sprints, continuous security review, PCI-DSS controls implemented inline — not bolted on.
04
Compliance & QA
Penetration testing, VAPT, PCI-DSS SAQ/QSA readiness, CBUAE sandbox submission support.
05
Launch & Retainer
Production launch on AWS UAE with ongoing compliance retainer, AML rule updates, and licence support.
Fintech FAQs · UAE
Fintech Compliance Questions Answered
Common questions from UAE founders and enterprise teams building regulated fintech products.
Ready to Build a Compliant Fintech App in Dubai?
Book a free compliance discovery call. We'll map your regulatory pathway, scope your MVP, and give you a fixed-price proposal within 48 hours.
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