Our Story

We are reshaping the Future of Embedded Finance

Driven by passion and powered by technology, we are building tools that empower everyone to achieve financial freedom.

BanksMerchants

TEMU

Amwal is the infrastructure layer enabling banks to turn existing cards into programmable installment products across merchants and acceptance channels.

U.S. Patent 12,388,646 B2

Patented security, built into Amwal

Amwal is proud to use its proprietary, patented authentication protocols to strengthen device and user identity flows across secure digital experiences.

Explore our security patent

Our Mission

To simplify daily transactions and make rewarding experiences accessible to everyone, everywhere.

Our Values

Customer obsession, radical transparency, and a commitment to continuous innovation define us.

Our Impact

Empowering millions of users to save more, earn more, and live better financial lives.

Fast Facts

Licensed & Compliant

We maintain the highest standards of regulatory compliance and ethical business practices.

SAMA Licensed

Verified

Fully regulated by the Saudi Central Bank (SAMA), ensuring security and compliance with national payment standards.

Sharia Compliant

Certified

Bank installments with credit cards are compliant with Sharia by either Twarruq or Murabha flows.

01
Founded in Saudi Arabia
02
1,000,000+ Active Users
03
500+ Merchant Partners