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Solution · Fintech

Digital wallet app for UAE businesses

Secure wallets, transfers and payments built for UAE regulation. Built for payment, lending and wealth startups, in Arabic and English.

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Typical investment
AED 180,000 – AED 450,000
Typical timeline
18–32 weeks
Built on
Mobile apps

Core modules

  • 01

    Onboarding and eKYC

  • 02

    Wallet and transfers

  • 03

    Cards

  • 04

    Bill payments

  • 05

    Fraud monitoring

  • 06

    Admin and compliance

Integrations

  • 01

    UAE PASS

    Let residents sign in and sign documents with the UAE's national digital identity, for entities approved to integrate it.

  • 02

    Checkout.com

    Enterprise payments with strong card acceptance in the Gulf, wallets and advanced fraud tools.

  • 03

    Emirates ID scanning and OCR

    Capture Emirates ID details from a photo or scan to speed up onboarding, rentals and KYC.

Problems it solves for fintech

  • Long regulatory timelines that delay launch
  • KYC and onboarding that loses customers
  • Security expectations from banks and investors

Regulatory context by emirate

Regulated activities need licence-specific controls: audit logs, data residency, penetration testing and outsourcing notifications. We build with those in mind from the first sprint.

EmirateWhat to plan for
DubaiThe Central Bank of the UAE (CBUAE), the DFSA in DIFC, and VARA for virtual assets.
Abu DhabiThe CBUAE and the FSRA in ADGM.
SharjahThe Central Bank of the UAE (CBUAE) and the Securities and Commodities Authority (SCA).

Context to help you scope, not legal advice.

Available across the UAE

Why Fluxo

Premium delivery, without the agency overhead.

We work on UAE business hours, Monday to Friday, with a delivery lead you can reach directly and an engineering team in India. Workshops run over video, and you see progress in a demo every two weeks.

  1. 01

    Senior-led delivery

    A named delivery lead and senior engineers on every project, not a rotating cast of juniors.

  2. 02

    Fixed-scope proposals

    A written scope, milestones and a fixed price before any work starts.

  3. 03

    Arabic and English from day one

    Right-to-left layouts and bilingual content designed in, never bolted on.

  4. 04

    You own everything

    Source code, designs, accounts and data are yours from the first commit.

Get a quote

Tell us about your project. We'll send a fixed quote.

Five short steps, about two minutes. We've pre-filled what we can from this page.

  1. Within 1 business day we review your requirements and reply with questions.
  2. A short call to confirm scope, priorities and constraints.
  3. A written proposal with milestones, timeline and fixed pricing.
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Good to know

Questions, answered.

How much does a digital wallet app cost?

Most projects fall between AED 180,000 – AED 450,000, with a typical timeline of 18–32 weeks. The main cost drivers are the number of user roles, integrations, Arabic content and how polished the first release must be. You get a fixed price after a short scoping call.

Can we start with a smaller version of the digital wallet app?

Yes. Many clients launch with onboarding and eKYC, wallet and transfers, cards first, then add the rest in later phases.

Can you work inside a regulatory sandbox timeline?

Yes. We plan builds around sandbox milestones such as DFSA's Innovation Testing Licence or ADGM's RegLab.

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