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A digital wallet for the Middle East & North Africa
Ziina is bringing the next generation of financial services to the Middle East.
Ziina is a UAE-based fintech providing a digital wallet and payment acceptance solutions for individuals and businesses, enabling instant money transfers and cashless payments through mobile and card channels. It targets UAE-based users with services for personal and business payments, including online and in-person acceptance and Tap to Pay capabilities. The company emphasizes fast, secure money movement and Open Finance innovations in the UAE.
Ziina offers a digital wallet that supports sending and accepting payments in the UAE for both individuals and businesses. It enables cashless payments in-person and online via Apple Pay, Google Pay, or card, and supports features like payment links, a payment gateway, and a card ecosystem. The platform includes mobile app access, contactless (Tap to Pay) on iOS and Android, and integration points such as Ziina Payment Links and ZiiBoard to streamline checkout and real-time cash flow.
Who it’s for: Businesses and individuals in the UAE seeking fast, secure, cashless payments and open finance-enabled payment solutions.
funding/news mentions; licensing and regulatory milestones; partnerships with Visa and Dubai/uae financial ecosystem
Sarah Toukan is the Chief Product Officer and Co-Founder of Ziina. She has product and startup experience across several diverse and exciting spaces, including the fintech space in the UAE, the proptech space in London, and the autonomous vehicle space in Silicon Valley. Sarah graduated from Stanford with a Bachelor’s and Master's Degree in Mechanical Engineering, with a Product Development concentration.
Andrew began his career as an engineer on the iOS Safari team at Apple. He left Apple to join an early stage startup, Distributed Systems, which was later acquired by Coinbase. At Coinbase, Andrew helped build the Coinbase Wallet app, a product which enables users all over the world to store their own crypto and access the decentralized web. Inspired by the mission of expanding economic freedom, Andrew relocated from San Francisco to Dubai to found Ziina.
Faisal Toukan is the CEO and Co-Founder of Ziina. He has experience across consumer fintech, enterprise sales, blockchain, start-ups, and venture capital with a passion for bringing new technologies to market.
The ZiiBoard is a payments keyboard that allows businesses to get paid via WhatsApp, Instagram, or any messaging app in just a few taps.
Ziina launches the ZiiBoard, a payments keyboard that lets small businesses request payments on WhatsApp, Instagram, or any messaging app in a few taps, aiming to simplify invoicing and payment collection for businesses in the Middle East.
From the original launch (Aug 2022) — may be outdated.

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