Working capital against invoices
Liquidity from approved invoices, on demand.
- Invoice-by-invoice flexibility, never all-or-nothing
- Advances targeted within minutes of approval
- Pricing driven by the strength of the trade itself
One platform,
four capabilities.
AI trade intelligence
Risk and fraud, priced per receivable.
Regulated payment rails
Compliance-first, auditable money movement.
Embedded finance
Financing inside your ERP, via API.
Underwriting that reads the trade, not the balance sheet.
Every invoice tells a story
Buyer history, payment behaviour, sector rhythm: read and priced fairly.
Fraud is caught before funding
Duplicate, inflated, and fabricated invoices are detected inside the funding flow.
The network compounds
Each funded trade sharpens the model's picture of UAE domestic trade.
Built to the standard banks and regulators expect.
Regulation-first, by design
UAE regulatory engagement before launch, never after.
Bank-grade data protection
Encrypted in transit and at rest; never sold or repurposed.
Auditable at every step
Every assessment and settlement is traceable and explainable.
Transparent by default
If a cost can't be explained in one sentence, it doesn't ship.
Human accountability over AI
Models inform decisions; accountable people govern them.
Partnership with the system
Built to extend the UAE's financial system, alongside banks.
Asharfi is in a pre-launch validation phase. This page describes design intent and a platform under development; no regulated financial services are currently offered.