Robo-Advisory Platform Software for Operators across the UAE

Who this is for: UAE fintechs launching regulated robo-advisory, DIFC or ADGM-regulated investment firms building digital wealth propositions, digital wealth arms at tier-2 UAE banks, and specialist thematic propositions (Shariah-specific, ESG-specific, crypto-adjacent). Not positioned as a Sarwa, Wahed, or StashAway MENA platform replacement - those operate proprietary in-house platforms at scale with established customer books.

Six connected capability areas: (1) DFSA and FSRA-aligned onboarding journey with suitability, risk, and investor classification. (2) Multi-theme portfolio construction engine for Conventional, Halal, Crypto, SRI, and custom themes. (3) Bilingual retail investor UX. (4) Tokenised asset product rails under PTSR. (5) Payment and funding rails via Aani and card issuance. (6) Regulatory evidence capture and reporting for DFSA or FSRA.

Sarwa, Wahed Invest, StashAway MENA, Baraka, and FinaMaze operate proprietary in-house platforms tuned to their specific customer base, theme breadth, and regulatory posture. These are mature platforms at meaningful scale.

Custom robo-advisory software is designed for operators building their own proposition - whether a new fintech entering the market, a tier-2 bank launching digital wealth, or a specialist theme provider (Shariah-focused, ESG-specific, crypto-adjacent). The platform is designed to align with DFSA or FSRA licensing from day one rather than retro-fit compliance onto consumer-app infrastructure.

DFSA F006312-style regulated robo-advisory requires client suitability assessment, investment experience capture, risk profiling through documented questionnaire, and investor classification (accredited investor with specific asset and income thresholds, or retail investor with corresponding protections). Source-of-wealth and source-of-funds evidence is captured.

The platform structures onboarding as workflow with DFSA Conduct of Business and FSRA equivalent obligations met through evidence capture. Licensing application and maintenance remain the operator's responsibility. Evidence captured as a by-product of operations means DFSA or FSRA audit is a data pull rather than a multi-week assembly project.

The construction engine handles multiple themes as configurable policies on one engine - Conventional, Halal (with Higher Shariah Authority-aligned screening and purification), Crypto (with VARA and FSRA-compliant exposure where licensed), Socially Responsible Investing (with ESG screening), and custom themes (climate, sector-specific, Islamic+ESG combined).

ETF-based construction with theme-specific universe filters. Rebalancing logic per theme respects tax-awareness where applicable. Theme-specific performance reporting and Shariah purification calculation for relevant portfolios. Adding a new theme becomes configuration rather than a new product launch.

UAE retail investors span Emirati, GCC, South Asian, Arab expatriate, and Western expatriate segments with different language preferences. The platform handles Arabic and English as parallel first-class journeys - onboarding, portfolio review, trading, reporting, and client communication all in the chosen language.

Right-to-left layout for Arabic with content designed culturally rather than translated literally. Client reports generated in chosen language. Customer support content bilingual. Language preference preserved across session, device, and reporting artifacts.

PTSR and Article 62 of Decree-Law 6/2025 bring tokenised products into regulated scope. Emirates NBD's tokenised sukuk (DIFC Innovation Hub, January 2025, USD 10,000 minimum) signals the direction - fractional ownership of Shariah-compliant bonds accessed through regulated platforms.

The platform treats tokenised products as first-class rails alongside ETFs and mutual funds. Custody integration with Fireblocks, Hex Trust, or Copper where institutional-grade custody is required. Settlement patterns align with the issuing venue. The platform is designed to align with PTSR and VARA or FSRA licensing requirements; licensing remains the operator's responsibility.

Here's where custom robo-advisory software typically sits.

Peer platforms (benchmark, not replacement targets) - Sarwa, Wahed Invest, StashAway MENA, Baraka, FinaMaze, Vault Wealth, and bank-affiliated digital wealth arms are the peer reference infrastructure.

Custody and trading - we integrate with Interactive Brokers, ETF providers directly, Fireblocks and Hex Trust for digital asset custody, and local broker infrastructure where relevant.

Identity, payments, and compliance - we connect with UAE PASS for identity, Sumsub and Onfido for KYC at scale, Aani for AED retail funding, card acquirers for card funding, Refinitiv World-Check for sanctions.

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery runs four to six weeks. Working with your product, investment, compliance, and engineering teams, we map current onboarding, theme breadth, investor UX, and tokenisation direction. Output is a detailed report covering current-state map, platform architecture, integration scope per custody and payment rail, phased implementation plan, and fixed-price build proposal.

Build for a core robo-advisory platform runs twelve to sixteen weeks from discovery completion. Full DFSA/FSRA-aligned onboarding, multi-theme construction, bilingual UX, and tokenised product rails rollout phases in over nine to fifteen months depending on theme and asset scope.

Pricing varies by theme breadth, asset scope (ETFs-only vs ETFs+tokenised), and regulatory scope. A bracket isn't published; discovery produces a fixed-price proposal with no obligation to proceed.