Wamda · Jun 2026
Ziina and Lean launched a one-tap Pay by Bank experience under the UAE Open Finance framework, extending Ziina's account-to-account payment capabilities and reducing friction for wallet top-ups.
A digital wallet for the Middle East & North Africa
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Ziina is a UAE-based fintech platform focused on simple money movement for consumers, freelancers, and SMEs. It combines peer-to-peer transfers with merchant acceptance tools such as payment links, payment gateway checkout, QR/NFC/Tap to Pay, a business wallet, and a Visa card, with a mission to bring financial freedom to the Middle East.
Primary product
Consumer and SMB payments platform (Ziina Personal + Ziina Business) with peer-to-peer transfers, payment links, merchant checkout, Tap to Pay, and Ziina Card.
Founded
2020
Headquarters
Dubai, United Arab Emirates
Team size
80-90
Work style
Hybrid
Industry
Financial Services
Sub-industry
Fintech / digital payments / wallet and merchant payments infrastructure
Offices
Gate 4 Building, DIFC, Floor 6, Gate District, Dubai, United Arab Emirates
King Salman Bin Abdulaziz Al Saud Street, Dubai, United Arab Emirates
Dubai, United Arab Emirates (HQ)
Business model
consumer peer-to-peer payments
merchant payment acceptance
payment gateway / checkout fees
transaction-based processing fees
subscription membership (Ziina Violet)
card-based spend / issuing
Funding
People & investors
Leadership
Co-Founder & CEO
Co-Founder & Chief Product Officer
Co-Founder & Head of Engineering
Founders
Co-Founder
Work & culture
Hybrid-first and office-oriented (3 days/week), mission-driven, and high-urgency; the company describes a low-hierarchy culture of 'craftspeople' across 40+ nationalities, with emphasis on precision, ownership, and care for users.
Work style
Hybrid
Visa sponsorship
Yes
Compensation
Public engineering postings showed salary bands around $100K-$150K for some roles, with equity available for select positions; broader compensation bands are not publicly disclosed.
Benefits
top-tier health insurance
relocation support
at least 22 days of paid time off
4 weeks work-from-anywhere during summer
long-term residency sponsorship
family sponsorship
Product & market
Pricing
Usage-based transaction fees plus optional paid membership; core business receiving fees are typically 2.6% + 1 AED, some sending/card flows are 2.9% + 1 AED, and Ziina Violet is a paid subscription.
Differentiators
- —Central Bank of the UAE SVF / licensed fintech positioning
- —instant settlement / fast access to funds
- —consumer + SMB product in one platform
- —payment links, QR, Tap to Pay, gateway, and card in one ecosystem
- —no subscription, sign-up, or hidden fees on core use cases
- —open-finance / pay-by-bank integrations
- —localized UAE product design and support
- —lifestyle membership with zero currency fees on Ziina Card
Technology
TypeScript
Node.js
Next.js
React
Swift/SwiftUI
Kotlin
GraphQL Federation
Kafka
PostgreSQL
Redis
Elasticsearch
AWS
Kubernetes
Terraform
GitHub Actions
Google Cloud
Customers
consumers in the UAE
small and medium-sized businesses (SMEs)
freelancers
merchants
startups
retail businesses
Competitors
Telr
Network International
Jingle Pay
Paytm
QIWI
Lendo
Scale & contact
Estimated revenue
$1M-$10M
Estimated monthly visits
480.1K
Latest news
Zawya / TradingView News · Mar 2026
Ziina partnered with Virtuzone to give new businesses access to its payment gateway and instant settlement tools, aiming to improve operational readiness and cash-flow control for UAE SMEs.
Wamda · Jan 2026
Ziina was described as the first entity in the UAE to execute live customer-initiated Open Finance payments under CBUAE regulations.
Zawya · Oct 2025
Ziina launched its first digital card with Visa, expanding from acceptance and transfers into spend, rewards, and expense-management use cases.
TechCrunch · Sep 2024
Ziina raised a $22M Series A led by Altos Ventures and said it had grown revenue 10x year-over-year while serving about 50,000 retail and business customers.
Jobs and careers at Ziina
0 jobs at Ziina
No open positions
Check back later for new openings