In 2025, Morocco accelerated its fintech agenda by introducing robust incentives and support mechanisms designed to attract foreign talent, foster cross-border collaboration, and stimulate local innovation. Central to this transformation was the launch of the Morocco Fintech Center by the Ministry of Digital Transition and Administrative Reform, which serves as a specialized hub for mentoring, incubation, and regulatory navigation. This momentum is further bolstered by the Morocco Digital 2030 strategy, a national roadmap aiming to cultivate 3,000 certified startups and produce at least two unicorns by the end of the decade. As 2026 begins, several homegrown ventures are successfully capitalizing on these initiatives, scaling their operations across payments, retail-tech, and real estate.
- Moroccan Government Catalyzes Ecosystem Growth
- Yakeey Revolutionizes Real Estate Transactions
- Chari Digitizes Informal Retail Through Embedded Finance
- ORA Technologies Expands Super-App Capabilities
- Woliz Scales Retail-Tech For Neighborhood Stores
- Alya Pioneers The Buy Now Pay Later Segment
- About Morocco’s Fintech Ecosystem
Moroccan Government Catalyzes Ecosystem Growth
The Moroccan government has played a pivotal role in creating a fertile ground for financial technology. In November 2025, a landmark investment mechanism was established through a partnership between the Mohammed VI Investment Fund, Caisse de Dépôt et de Gestion (CDG), and Tamwilcom. This vehicle is set to inject approximately US$269 million into the startup ecosystem, specifically targeting high-impact sectors like fintech, agri-tech, and digital health. By aligning regulatory frameworks with capital availability, Morocco is positioning itself as a primary gateway for fintech innovation in Francophone Africa.
Yakeey Revolutionizes Real Estate Transactions
Founded in 2023, Yakeey has emerged as a dominant technology-enabled real estate platform in Casablanca. The company integrates digital tools with human advisory services to provide an efficient marketplace for property transactions. A standout feature is its Instant Buying (iBuying) service, launched in partnership with Umnia Bank, which offers sellers guaranteed sales at transparent prices. In January 2026, Yakeey secured US$15 million in Series A funding to scale its digital platform and expand its “YakeeyPro” network, which currently supports over 800 independent real estate advisors.
Chari Digitizes Informal Retail Through Embedded Finance
Chari continues to lead the digitization of Morocco’s informal retail sector. Since its inception in 2020, the startup has provided retailers with a digital marketplace and embedded financial services, including micro-insurance and working capital solutions. Notably, Chari became the first venture-backed startup in the country to receive a payment institution license from Bank Al-Maghrib. With a fresh US$12 million Series A closed in late 2025, the company is developing a merchant super-app and a Banking-as-a-Service (BaaS) platform to further integrate fintech solutions into the daily operations of over 20,000 onboarded businesses.
ORA Technologies Expands Super-App Capabilities
Headquartered in Casablanca, ORA Technologies is focused on democratizing digital access through its multi-app strategy. The company operates Kooul, a food-delivery service, and ORA Cash, a social mobile wallet that allows users to open payment accounts instantly. Following a US$7.5 million Series A in mid-2025, ORA Technologies made headlines by acquiring Cathedis, a prominent player in e-commerce logistics. This acquisition represents a significant consolidation in the Moroccan market, allowing ORA to blend fintech, food-tech, and last-mile delivery into a unified digital model.
Woliz Scales Retail-Tech For Neighborhood Stores
Woliz is a retail-tech platform dedicated to connecting “nanostores” to the digital economy. By equipping small neighborhood shops with AI-driven software and modern hardware, Woliz enables merchants to track sales, manage inventory, and access formal credit. The startup’s rapid growth led to its selection for the Visa Africa Fintech Accelerator in 2025. In December 2025, Woliz closed a US$2.2 million pre-Seed round led by Sanlam Maroc, which will be utilized to intensify on-the-ground deployment and support its mission of digitizing 90,000 merchants.
Alya Pioneers The Buy Now Pay Later Segment
Alya is Morocco’s first officially authorized Buy Now, Pay Later (BNPL) platform. Launched in 2022, the Casablanca-based startup allows consumers to split purchases into interest-free installments while helping SMEs improve conversion rates and cash flow. Having received formal authorization from Bank Al-Maghrib in 2024, Alya has successfully integrated with the Interbank Electronic Payment Center (CMI). With early 2025 funding from investors like Plug and Play and Digital Africa, Alya is well-positioned to capture a significant share of a market estimated to reach US$5 billion by 2030.
About Morocco’s Fintech Ecosystem
The Moroccan fintech ecosystem is characterized by a strong push toward financial inclusion and digital sovereignty. With the support of Bank Al-Maghrib and the Morocco Fintech Center, startups are transitioning from basic payment tools to complex financial ecosystems that serve both individual consumers and the vast network of informal retailers. The combination of strategic government funding, regulatory clarity, and high mobile penetration makes Morocco a key market for fintech growth in the MENA region.
Source: Fintechnews Middle East
