Voo is building a bank-agnostic financial distribution and orchestration infrastructure that enables regulated financial institutions to distribute banking, payment and embedded-finance products through a unified digital and physical network.
Voo is building a distributed financial access network that transforms merchant locations and smart POS devices into access points for regulated financial services.
850+
Integrated Payment & Service Providers
605+
Retail Access Points Across UAE
Total balance
AED 24,860.40
AE07 •••• 4412 · Virtual IBAN
Voo complements licensed financial institutions—not competes with them. We build the customer experience, AI capabilities, merchant ecosystem, and physical distribution network while leveraging regulated BaaS and WaaS infrastructure from trusted financial partners.
This partnership model enables financial institutions to extend their reach into new customer segments, accelerate digital adoption, and deliver innovative embedded financial services without investing in new customer-facing technology or retail distribution.
Pillar 01
One app for all your financial needs
Total balance
AED 24,860.40
AE07 •••• 4412 · Virtual IBAN
Pillar 02
AI-powered OS for merchants & businesses
Net volume · 30 days
AED 1,284,920
Transactions
38,214
Avg. ticket
AED 141
Settled
99.98%
Pillar 03
Bringing financial services closer to communities
A scalable network of access points that enables consumers to access digital banking, payments, and financial services in their everyday lives.
Our Infrastructure Architecture
Customer verification, accounts and core banking capabilities, licensed broadly for institutions.
Regulated wallet issuance, balances, top-ups and payouts across the Voo network.
Prepaid and debit card issuing, processing and white-label card experiences.
Licensed Financial Institutions & Regulated Banking Infrastructure Partners.
Strong compliance, security, and regulatory alignment with the UAE ecosystem. Our partnership approach ensures regulated infrastructure while Voo delivers the experience, network, and intelligence.
Provided capabilities
850+
Integrated Payment & Service Providers
605+
Retail Access Points Across UAE
This existing ecosystem provides an immediate distribution channel for deploying next-generation banking products powered by regulated financial infrastructure.
Together with licensed banking partners, Voo can accelerate financial inclusion by combining regulated banking infrastructure with AI-driven customer experiences and an extensive physical distribution network.
Our Vision
To become the leading AI-native fintech platform connecting consumers, merchants, and licensed financial institutions through one intelligent financial ecosystem.
Whether you are a financial institution, merchant, or investor, we would love to hear from you.
The products and services referenced on this webpage that constitute banking or regulated financial activities are provided by and powered by Ruya Community Islamic Bank LLC, a financial institution licensed and regulated by the Central Bank of the UAE. Voo Payment itself does not offer or provide any banking or regulated financial services. Voo Payment exclusively facilitates a digital financial technology platform through which users may access services made available by Ruya Community Islamic Bank LLC.