UAE · Islamic Finance · AI-Native

Financial infrastructure
for businesses building
the UAE's future.

An AI-native, Sharia-aligned financial decision engine for UAE SMEs.

Thaqa provides SMEs with a business account, intelligent payment tools, and AI-powered financial insights — built for the region, designed for trust.

Try Demo →

Built for UAE SMEs. Early access is currently limited — apply to help shape the first product experience.

< 10 min
Account opening
UAE
Data residency
Islamic
Finance principles

Why Thaqa

Built on four principles

01
Built for this region
UAE-native, Arabic-ready, structured from day one around CBUAE regulatory pathways and Islamic finance principles.
02
Intelligent by design
AI-powered cash flow analysis, spend categorisation, and financial health scoring — not dashboards, but decisions.
03
Simple where it matters
Open a business account in under 10 minutes. Manage payments, invoices, and team expenses from one place.
04
A long-term vision
Designed to evolve into a fully licensed Islamic digital bank — giving you continuity and growing capability as you scale.

Why Now

A defining moment for UAE business finance.

Four powerful currents are converging across the UAE — and the SMEs building this economy need infrastructure designed for the moment, not retrofitted to it.

01
AI moves into the core
AI is shifting from analytics layer to operating layer — re-shaping how decisions are made inside every modern business.
02
SMEs go fully digital
UAE SMEs are leaving manual books and fragmented tools behind, and expect financial software with the polish of consumer products.
03
Ethical finance scales
Sharia-aligned and values-led finance is moving into the mainstream — demanded by founders, employees and customers alike.
04
Regulators invite innovation
ADGM, DIFC and CBUAE frameworks are actively inviting next-generation financial models to be built within structured pathways.

Thaqa is being designed for this exact intersection — AI-native, Sharia-aligned, and built for the next generation of UAE business finance.

Platform

Everything your business needs. Nothing it doesn't.

Thaqa integrates accounts, payments, invoicing, and AI insights into one platform designed for SMEs — without the complexity of legacy banking or the immaturity of generic fintech.

1
Business Accounts
Multi-currency accounts with dedicated UAE IBANs. Built for SMEs and digital-first companies operating across the region.
↳ Core Banking
2
Payments
Domestic and international transfers via SWIFT and local rails, with real-time status tracking and FX transparency.
↳ Local & International
3
AI Financial Insights
Automatic categorisation, cash flow forecasting, and plain-language weekly summaries that explain where your business stands.
↳ AI-Native
4
Invoicing
Create, send, and reconcile invoices with automatic matching to incoming payments. VAT-ready and compliant.
↳ VAT Compliant
5
Team Access
Role-based permissions for founders, finance managers, and bookkeepers — with full audit trails on every action.
↳ Multi-user
6
Compliance Tools
AML screening, transaction monitoring, and automated reporting built directly into the platform — not bolted on.
↳ Regulatory-Ready

Process

Designed for one-day onboarding.

1
Apply digitally
Intended onboarding experience built for speed, simplicity, and compliance — submit your trade licence and Emirates ID through a fully digital KYB flow, with no branch visits or paper forms.
2
Get verified
Target activation experience: within 1 business day. The future operating model is designed to provide streamlined access to account details, payments, and dashboard tools upon approval.
3
Manage and grow
Your AI financial assistant is designed to surface insights, flag anomalies, and help you understand exactly where your business stands — every week.

Founder conversation

Prefer to discuss directly? Book a short feedback call.

For founders, operators, and ecosystem stakeholders interested in shaping the first version of Thaqa.

Book a Feedback CallLimited feedback conversations available.

Smart Financial Tools

Better decisions, made simple.

Helping businesses make better financial decisions with simple, transparent, and Sharia-compliant tools.

Zakat Calculator

Calculate your business zakat obligation accurately. Enter cash, assets and liabilities to see your annual contribution.

  • Cash & bank balances
  • Inventory & receivables
  • Liabilities deduction
Try Tool

Financing Simulator

Understand Sharia-compliant financing. See profit-based payment structures — never interest — with a clear schedule.

  • Murabaha & Ijara models
  • Estimated monthly payments
  • Total profit transparency
Try Tool

Financial Insights

AI-powered insights on spending patterns and cash flow. Get plain-language clarity on what matters for your business.

  • Spending categorisation
  • Cash flow forecasting
  • Anomaly alerts
Explore Insights

All tools are reviewed against Sharia principles and built for clarity — no hidden assumptions, no interest-based calculations.

AI-Powered Financial Insights

Your advisor, on demand.

Smarter financial decisions, powered by intelligent analysis and designed with ethical financial principles in mind.

Smart financial advisor

Tell us about your business

Share a few details and Thaqa's AI advisor will produce an indicative, Sharia-compliant assessment.

AED 80,000
AED 45,000
AED 150,000
Repayment term

Enter your business details, then run the analysis.

You'll receive a tailored, Sharia-compliant advisory summary in seconds.

Powered by AI-driven analysis, Thaqa helps simplify complex financial decisions and provides insights tailored to your business needs.

Figures shown are indicative for illustration only and not a financing offer.

How Thaqa Works in Practice

A UAE SME, navigating a real liquidity moment.

A short product story showing how Thaqa moves a business from financial pressure to a stronger, more confident position — in a way no traditional banking dashboard can.

  1. 01
    Situation

    Invoices due, liquidity tightening

    A trading SME has AED 142,800 in receivables, with AED 42,000 due within 5 days and a reserve sitting at 2.4 months — below the healthy band.

  2. 02
    Signal

    AI detects the risk early

    Thaqa's decision engine flags the combination of slow collections, weakening reserve coverage and rising discretionary spend before it becomes a real problem.

  3. 03
    Action

    Recommended next moves

    Follow up on overdue receivables, trim AED 8,000 of discretionary spend, and review a Sharia-compliant financing scenario sized to the cash cycle — not to a generic loan ticket.

  4. 04
    Compare

    Model conservative, growth and Sharia-compliant paths

    Side-by-side scenarios show the impact on monthly cash flow, reserve months and obligations — so the decision is informed, not intuitive.

  5. 05
    Outcome

    A stronger financial position

    Reserve coverage moves from 2.4 to 3.1 months, monthly headroom is preserved, and growth continues on a Sharia-aligned, sustainable footing.

See it inside the demo →

Traction & Momentum

Early validation in motion.

Thaqa is moving from concept into real-world validation — informed by direct conversations, live exploration, and ecosystem engagement across the region.

01
Live Demo Available

The Thaqa platform can be explored through an interactive demo, illustrating core financial workflows and AI-driven decision support.

02
Early Access & Feedback Conversations

We are engaging with founders, operators, and SME stakeholders to refine the first version of the platform.

03
Initial Market Interest

Early signals indicate interest from UAE-based businesses as well as international visitors, supporting the relevance of the concept.

04
Ecosystem Engagement

Ongoing discussions with mentors, startup programs, and ecosystem partners are helping shape strategic alignment and next steps.

Early access

Interested in using Thaqa for your business?

Request early access to help shape the first version of Thaqa for UAE SMEs. Built for businesses seeking smarter, Sharia-aligned financial infrastructure.

Prefer to discuss directly? Limited feedback conversations available — founder-led only.

Who it's for

Designed for businesses that move quickly and think long-term.

Thaqa is built for the full spectrum of UAE's growing business community — from day-one startups to established SMEs managing complex financial operations.

🏢
SMEs and established businesses
Companies with 5–100 employees that need a modern business account, multi-user access, payroll payments, and clean reporting without the overhead of enterprise banking.
🚀
Startups and growth-stage companies
Funded or bootstrapped startups that need to open quickly, manage investor funds cleanly, and access financial intelligence as they scale across the region.
🌐
Digital and cross-border businesses
E-commerce operators, service exporters, and platforms managing multi-currency flows who need transparent FX, international payments, and real-time reconciliation.

Security & compliance

Serious foundations.
Transparent operations.

Regulatory alignment
Designed with future alignment to relevant UAE regulatory pathways, including ADGM, DIFC and CBUAE frameworks, on a clear roadmap toward a banking licence application.
Islamic-first architecture
Non-interest product structures throughout. Future governance model includes oversight from qualified Shariah scholars as part of the banking licence roadmap.
UAE data residency
Architected for customer data to be stored on UAE-based infrastructure, with no cross-border data transfer by default.
Enterprise-grade security
256-bit encryption, MFA, real-time fraud monitoring, and SOC 2-aligned operational controls in our target architecture.

"Future operating model designed around safeguarded client fund structures in partnership with licensed UAE institutions — never used for lending or investment activities."

Fund Safeguarding Principles

Vision

A concept today.
A licensed Islamic bank tomorrow.

We are transparent about where we are and where we are going. Every architectural decision made today is intended to serve the long-term objective.

Now · 2025
Concept & Product Demo
Interactive product demo showcasing accounts, payments, AI insights and Sharia-compliant tooling — built to validate the experience for UAE SMEs.
Next · 2025–2026
Validation & Ecosystem Engagement
Founding-team conversations with the Abu Dhabi ecosystem — including ADGM, Hub71 and prospective Shariah advisors — to validate the model and shape future regulatory alignment.
Planned · 2026–2027
Regulatory Pathway
Intended pathway toward a digital banking or financial-services licence under UAE frameworks, with capital, governance and infrastructure prepared in line with regulatory expectations.
Long-term · 2027+
Islamic Digital Bank Operations
Long-term ambition: a full-service Islamic digital bank serving UAE SMEs with lending, trade finance and treasury products under a complete banking licence.

Founder Vision

"A new category of intelligent, ethical financial infrastructure."

Thaqa is being built to define a new category — starting with intelligent financial decisions for UAE SMEs, and evolving toward a broader Sharia-compliant financial ecosystem rooted in this region.

— The Thaqa Founding Team

Pricing

Simple, transparent pricing.

Clear plans. Fair rates. No hidden fees — ever. Choose what fits your business today and grow without surprises.

Save 20% with annual billing

Starter

For new SMEs getting started

AED 0
  • Business account (basic)
  • Payments (limited)
  • Expense tracking
  • Basic AI insights
Most Popular

Growth

For scaling businesses

AED 149/ month
  • Everything in Starter
  • Advanced AI financial insights
  • Cash flow forecasting
  • Invoice & payment tools
  • Multi-user access
  • Priority support

Scale

For established operations

AED 399/ month
  • Everything in Growth
  • Advanced analytics
  • Custom reporting
  • API integrations
  • Dedicated support

Compare plans

Every feature, side by side.

FeaturesStarterGrowthPopularScale
Business accountBasicStandardAdvanced
PaymentsLimitedUnlimitedUnlimited
Expense tracking
AI financial insightsBasicAdvancedAdvanced
Cash flow forecasting—
Invoice & payment tools—
Multi-user access1 userUp to 5Unlimited
Custom reporting——
Advanced analytics——
API integrations——
SupportEmailPriorityDedicated

Transparent pricing aligned with fair and ethical financial principles — no hidden fees, no surprise charges.

Questions

Transparent answers
to important questions.

Thaqa is currently presented as a financial technology concept and interactive product demo for the UAE market. Obtaining a full digital banking licence is part of the long-term roadmap, and the platform is being designed with future alignment to relevant UAE regulatory pathways, including ADGM, DIFC, and broader Central Bank of the UAE frameworks as the model evolves.
Thaqa is being designed around Sharia-aligned financial principles as a foundational part of the platform, structured to avoid interest-bearing mechanisms from day one. Formal oversight from qualified Sharia advisors is planned as part of the future governance and licensing roadmap, with formal board review and certification to be established as Thaqa progresses toward regulated operations.
Thaqa is in concept and demo stage and does not currently hold customer funds. The intended future operating model is designed around safeguarded client fund structures in partnership with licensed UAE financial institutions, subject to the appropriate regulatory pathway. Fund protection and segregation principles are built into the future governance and operating design.
Thaqa is designed with a security-first architecture, including encrypted data handling, role-based access controls, and future alignment with UAE data protection and regulated operating standards as the platform evolves. Customer data is intended to reside on UAE-based cloud infrastructure and is never sold, shared, or monetised.
Thaqa is being designed primarily for UAE SMEs, startups, and digitally growing businesses that need smarter financial infrastructure, stronger compliance, and access to ethical, Sharia-aligned financial tools — including mainland, free zone, and ADGM/DIFC entities.
The AI is designed to analyse transaction data to automatically categorise spending, identify cash flow patterns, and surface anomalies — delivering a plain-language weekly financial summary and proactive alerts. AI processing is intended to remain within your data residency boundary.
The intended onboarding flow uses your UAE trade licence, Emirates ID or passport for authorised signatories, and Memorandum of Association — designed to be completed online in under 10 minutes, with KYB verification targeted within one business day once Thaqa moves into regulated operations.

Get started

Help shape the first version of Thaqa.

We're speaking with founders, finance leaders and operators across the UAE as we build the first AI-native, Sharia-aligned financial decision engine for SMEs.

Designed for UAE SMEs seeking smarter, Sharia-aligned financial infrastructure.