About Maly
We build the layer institutions cannot build fast enough.
Licensed and headquartered in DIFC, Dubai. ISO/IEC 27001 certified, and scaling across the Middle East and Africa through the SorenTech joint venture. An in-house team of engineers, AI and data scientists running production platforms in six markets.
Mission
The problem is not demand. It is process.
Hundreds of millions of people already hold a wallet, an account, or an ID — and still can't get credit, open an account without a branch visit, or reach products their institution is already licensed to sell.
The licenses exist. The customers exist. The infrastructure in between doesn't.
Maly builds and operates that infrastructure — so an institution can go from decision to live product in weeks, and finally serve the customer it was already refusing.
Markets move in months and vendors quote years. Under sixteen weeks to a full digital bank, under eight to transform an onboarding journey.
Take one module or the whole set. Every layer works standalone and integrates with the core banking, switch or wallet you already run.
We are a technology provider. No custody of funds, no lending decisions, no regulatory obligation shifted to us.
Our journey
Six markets. One codebase.
Maly did not start as a platform company. It started as a build for one institution that needed a digital bank faster than any vendor would quote. Everything since has been the same discipline applied to a wider set of licenses.
Licensed and headquartered in the Dubai International Financial Centre, with an in-house engineering team from day one.
Mobile money integration begins in Central and West Africa. The payments and commerce layer goes into production.
The platform, the IP and the information security management system are certified to ISO/IEC 27001:2022.
The Maly app launches in the UAE with ruya, a CBUAE-licensed bank. Maly runs the experience; the bank holds the license.
The joint venture with Soren Investment Company brings three product lines live in nine months, across East Africa and Pakistan.
The same in-house team that shipped the first build still owns the codebase. No vendor handoff, no outsourced core — every market runs on the platform Maly built and keeps building.
How we work
Three commercial models. Most partners start with the third.
A fixed mobilisation fee plus a recurring license. Your team runs the platform. We support it and ship the roadmap.
We deploy it, run it and operate it alongside your team on a fixed or hybrid fee. You keep the license, the customers and the book.
A light mobilisation fee, then Maly takes a share of the volume the platform creates. You pay us out of a book that does not exist today.
The model can change as the book grows. It does not have to be decided at the start.
SorenTech takes the Maly platform across MEA.
SorenTech is the joint venture between Maly Tech and Soren Investment Company, whose shareholders include Royal Group Abu Dhabi and Dal Group. Maly contributes the platform and the engineering. SorenTech contributes market access, banking relationships and local delivery.
Three product lines were created in nine months and all three are deployed: FIKA for digital banking, the digitization programme with Gulf African Bank, and OWNARA for Shariah-compliant asset financing.
Start the conversation
Start with a conversation, not a procurement cycle.
Tell us which layer you need. We will come back with a scope, a timeline and the institutions we have done it for.