Robo-advisory platforms are rapidly gaining traction across the Middle East, democratizing wealth management through low-cost, automated, and data-driven portfolio solutions. This technology is making investing more accessible and affordable in a region where wealth management has historically been reserved for high-net-worth individuals, appealing directly to a young, digitally native population seeking financial inclusion and long-term investment opportunities.
Derayah Financial (Saudi Arabia)
Founded in 2007, Derayah Financial is a licensed independent investment platform in Saudi Arabia offering a fully digital brokerage alongside asset and wealth management services. The company recently launched Derayah Smart, a Shariah-compliant automated robo-advisory solution that helps users manage portfolios based on their financial goals and risk tolerance. With a minimum investment of SAR 500 (US$133), the platform creates personalized portfolios, rebalances them dynamically, and offers an intuitive mobile dashboard for monitoring. Derayah Financial reports over 600,000 investment accounts and assets exceeding SAR 55 billion (US$15 billion).
Abyan Capital (Saudi Arabia)
Headquartered in Riyadh, Abyan Capital is a Shariah-compliant robo-advisory platform founded in 2021 to simplify saving and investing for the average user. The platform allows users to open an account and receive a portfolio recommendation in minutes, with automatic purification to ensure continuous Shariah compliance. With a minimum entry of just SAR 50 (US$13), Abyan has also expanded to offer self-directed trading for US equities. The company serves over 350,000 clients and claims over SAR 1.4 billion in retail investor deposits.
Sarwa (UAE)
Established in 2017, Abu Dhabi-based Sarwa is an all-in-one investment app covering automated investing, self-directed trading, and high-yield cash accounts. Its core products include Sarwa Invest for managed ETF portfolios, Sarwa Trade for buying and selling US stocks and crypto, and Sarwa Save for earning returns on idle cash. The company reported assets under management of US$879.7 million at the end of Q4 2025 and achieved its second consecutive profitable year, driven by trading volumes exceeding US$3 billion in the same quarter.
Madkhol Capital (Saudi Arabia)
Madkhol Capital, founded in 2021, is a Riyadh-based firm providing digital investment solutions for both individuals and businesses. The company offers access to multiple asset classes and has introduced tailored business solutions like the Ratbi+ program, which combines employee savings with employer-matched contributions to boost loyalty and build supplemental retirement income. Recent strategic partnerships with Albilad Capital and Experience/Khibrah Company are set to expand the platform’s fund offerings and corporate program rollout.
Tamra Capital (Saudi Arabia)
Tamra Capital is a licensed Saudi investment platform founded in 2021 that specializes in low-fee, automated, and Shariah-compliant portfolio management. The company helps customers invest in diversified portfolios of ETFs spanning real estate, gold, equities, and bonds across local and global markets. With a user-friendly interface and a special Generation Z account to encourage young investors, Tamra Capital simplifies the investment process for those without extensive financial expertise. As of Q2 2023, the firm held SAR 375.63 million (US$100 million) in assets under management.
Drahim (Saudi Arabia)
Founded in 2021, Drahim is a Riyadh-based finance platform combining automated investing with personal financial management. The app analyzes a user’s bank transactions to provide spending reports and suggests a tailored, low-risk auto-investing plan. For corporate clients, Drahim Business offers automated investment setup, high-yield savings portfolios, and access to over 30 investment funds from leading local and global institutions. In a major move, Alrajhi Bank acquired a 65% stake in Drahim in September 2024, integrating the startup into its broader digital banking strategy.
Source: Fintechnews Middle East
