Wio Bank, in partnership with the Abu Dhabi Securities Exchange (ADX) Group, has launched a new product allowing investors to get financing by using their ADX-listed share portfolio as collateral. The offering, named Loan Against Investments, marks the first fully digital experience of its nature in the region, enabling investors to access liquidity without selling their holdings.
Quick Facts
- Access financing against ADX-listed shares
- A fully digital, in-app process
- Investors keep shares, dividends, and gains
- First service of its kind in the region
Unlocking Liquidity Without Compromise
The new service, accessible through the Wio Personal app, allows investors to pledge eligible ADX-listed shares to Wio Bank as collateral. Throughout the financing period, the shares are held as security, but the customer retains the full economic benefit, including accruing dividends and any market appreciation.
For investors, this provides a solution to a common problem: accessing short-term liquidity without the cost of selling holdings, which can mean forfeiting future growth, missing dividend payments, and losing the compounding effect of staying invested. Once the financing is fully repaid, the shares are returned to the customer’s portfolio.
A Fully Digital Financial Experience
The entire process, from pledging the shares to repayment, is completed within the Wio Personal app, requiring no branch visits or physical paperwork. This is made possible through the partnership with ADX, which provides the regulated infrastructure for share pledging.
This product is the latest addition to Wio Invest, the bank’s investment platform which already includes stocks, ETFs, virtual assets, and fractional bonds. The collaboration with ADX reflects Wio Bank’s strategy of building products anchored in the UAE’s financial infrastructure, aiming to provide capabilities previously reserved for institutional or private banking clients through a single app.
“This is the first time retail investors in the UAE can access a fully digital Loan Against Investments experience. That’s a meaningful milestone, not just for Wio, but for the market,” said Jayesh Patel, CEO of Wio Bank PJSC. “Access to liquidity without having to give up their investments came up again and again. This is our answer to that and the partnership with ADX is what made it possible.”
Abdulla Salem Alnuaimi, Group Chief Executive Officer of the ADX Group, added: “This new solution allows investors to unlock liquidity and access cash by using their listed shares as collateral, without needing to sell them. It gives investors greater flexibility in managing their money, while staying invested and continuing to benefit from potential market gains.”
Alnuaimi also noted that ADX is collaborating with other financial institutions to introduce similar financing solutions to enhance investor choice and deepen market liquidity.
About Wio Bank PJSC
Wio Bank PJSC is the UAE’s leading financial platform, reimagining banking for individuals and businesses. Headquartered in Abu Dhabi and fully regulated by the Central Bank of the UAE, Wio is backed by ADQ, Alpha Dhabi Holding, e& and First Abu Dhabi Bank. By combining advanced technology with a human-centric approach, Wio delivers seamless, personalized financial solutions.
About Abu Dhabi Securities Exchange (ADX)
The Abu Dhabi Securities Exchange (ADX) was established on 15 November 2000. It is now the second-largest exchange in the Arab region by market capitalization. The ADX Group, a market infrastructure group comprising the exchange (ADX) and its post-trade ecosystem, supports efficient, transparent, and resilient capital markets across trading, clearing, settlement, and custody. The Group provides a regulated marketplace for the trading of securities, including equities, bonds, and ETFs.
Source: Zawya
