Our Standards

Shariah Compliance

Our foundation is built on integrity and Islamic values. Every product and service we offer strictly complies with Shariah principles, ensuring transparency and fairness in every transaction.

We collaborate with certified Shariah advisors and trusted third-party providers to maintain robust compliance frameworks and uphold the highest standards of trust and security.

Shariah Compliance
Vision & Mission

Our Vision & Mission

Our journey towards digital excellence

Our Vision

To lead in Sharia-compliant digital finance by empowering individuals and SMEs through smart, fast, and ethical platforms

Our Mission

To deliver inclusive, innovative, and Sharia-compliant financial solutions that empower customers and support the Kingdomโ€™s sustainable economic growth

Board Members

Top Management โ€” Al-Shaghaf Al-Raqmi

Saad Binzafrah
Chairman / Co-Founder

Saad Binzafrah

An esteemed Chairman with over 20 years of leadership, including two years at Saudi Telecom. Demonstrated expertise in infrastructure development, executing major projects, and leading transformative initiatives.

His knowledge spans the plastic industry, project management, international operations, and program development.

Renowned for strong administrative skills, he has led complex, large-scale projects and pioneered innovative strategiesโ€”establishing himself as a visionary leader across local and global markets.

Raed Al Sayeh
CEO / Co-Founder

Raed Al Sayeh

A seasoned executive with over 28 years in finance, banking, and fintechโ€”specializing in back-office operations, non-banking financial services, and UX-driven digital solutions.

Led major digital transformation initiatives, improved regulatory compliance, and introduced innovations that enhanced user experience and efficiency.

Built strategic fintech platforms and alternative lending solutions focused on financial inclusion and scalability, mentoring startups and supporting an ecosystem aligned with Saudi Vision 2030.

Al-Shghaf Al-Raqmi

Our Team

Advisory Board

Ahmed Al Humaid
AHMED
AL HUMAID
15 years in finance, technology and insurance, former CFO.
Ahmed Al Humaid
ABDULAZIZ
S. BASHATAH
15 years in finance, entrepreneurship, and non-banking executive roles.
Ahmed Al Humaid
FAISAL
ABU KHALAF
25+ years of legal advisory experience, former Legal Researcher at the Banking Dispute Committee (SAMA).
Ahmed Al Humaid
BEN
OTTOMAN
Strategic CISO with 20+ years in cybersecurity, aligning security with business goals and simplifying risk.
Our advisory board brings deep expertise in financial services, regulatory frameworks, and technology scale-up

Core Leadership Team

Ahmed Al Humaid
LAMYA
ALAHMED
14 years of banking and finance expertise, leading growth in sales, business development, marketing, and digital transformation.
Ahmed Al Humaid
AYMAN
ABU SHANAB
Banking expert with 25+ years in digital transformation, aligning core systems with financial strategy and regulations.
Ahmed Al Humaid
MOHAMMAD
JALAL
Financial expert with 24+ years in management, treasury, audit, fintech, and digital payments.
Ahmed Al Humaid
SAMER
QUTAISH
25 years of expertise in banking, data science, and fintech, delivering innovative solutions and driving business growth.
Our core leadership team drives daily operations, technology, compliance, and growth

Extended Operating Team
(Lean & Scalable)

Ahmed Al Humaid
SARAH
ALDARH
15 years in financial sector specialist in Customer experience & Collections.
Ahmed Al Humaid
ABDULRAHMAN
ALKANHAL
13 years in Compliance for Payments and Crowdfund.
Ahmed Al Humaid
MOHAMMED
KHUMAYES
23 years in banking and non-banking, partnerships.
Ahmed Al Humaid
SVETLANA
MELESHKINA
10 years in Project Management and technology expertise.
Ahmed Al Humaid
HAMMAD
JAMAL
17 years in non-banking, fintech cybersecurity, infrastructure and technology.
Ahmed Al Humaid
MOHAMMAD
AL MFLEH
16 years' experience building 43+ brands and leading 57+ marketing campaigns across the Middle East and Europe.
Ahmed Al Humaid
MOHANNAD
AL TARAWNEH
17 years' experience with 100+ projects in design, video, directing, writing, and 50+ ads for global brands.
Ahmed Al Humaid
YURY
BURYAKOV
Software developer with strong skills Passionate about fintech.
We operate with a scalable structure leveraging both in-house talent and specialized outsourced support