Abyan Capital
Abyan Capital is a Riyadh-based, CMA-licensed digital wealth management platform offering Sharia-compliant investment portfolios, savings products, US equity trading, and corporate treasury solutions to Saudi retail investors and registered Saudi businesses through mobile apps.
- Company typePrivate
- Founded2022
- HeadquartersRiyadh, Saudi Arabia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Abyan Capital does
Abyan Capital (أبيان المالية) is a Saudi Arabia–based, CMA-licensed digital wealth management platform operating from Riyadh that serves Saudi retail investors and registered Saudi businesses with Sharia-compliant investment, savings, and treasury products. The platform is delivered through a mobile-first application (Abyan Finance) for retail users and a separate Abyan Business interface for corporate treasury, distributing five robo-advisory portfolios (Saudi Market, Growth, Balanced, Safe, Children's) managed in partnership with Jadwa Investment, plus a money-market savings portfolio, a self-directed US equity trading product (Abyan Trading, powered by Alpaca), and Murabaha facilities from Saudi banks including Al Rajhi and Albilad. Underlying technology includes automated portfolio rebalancing, scheduled contributions, Sharia-compliance stock screening with Zakat and purification calculators, real-time market data via a Benzinga integration, and a conversational Abyan AI Assistant for US-market analysis.
The company earns revenue primarily through annual management fees of approximately 1% on investment portfolios and 0.5% on savings and treasury portfolios, charged monthly, plus transaction-based trading commissions (with a 50% discount on US-market trades) and implicit spread economics on Murabaha flows. As of May 2024, Abyan reported over 100,000 investment portfolios, 1.4 billion+ SAR in retail deposits, and 3 billion+ SAR in business-platform investments, alongside 640,000+ app downloads and 5 million+ executed transactions. The firm is a closed joint stock company with 60 million SAR in registered capital, founded in 2021–2022, backed by STV, Wa'ed Ventures, and RZM Investment following an $18 million Series A in May 2024, and led by co-founders Abdullah Aljeraiwi (CEO), Saleh Alaqeel (COO), and Omar Almania, with a Sharia committee chaired by Prof. Dr. Yusuf Alshubaily providing ongoing Islamic-law supervision.
Abyan Capital firmographics
Firmographics- Name
- Abyan Capital
- Legal name
- Abyan Capital (أبيان المالية)
- Website
- https://abyancapital.sa
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Abyan Capital is a Riyadh-based, CMA-licensed digital wealth management platform offering Sharia-compliant investment portfolios, savings products, US equity trading, and corporate treasury solutions to Saudi retail investors and registered Saudi businesses through mobile apps.
- Ownership category
- akta.pro rank
Abyan Capital industry classification
Industry- Product category
- Digital Wealth Management and Robo-Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Islamic Private Banking & Wealth (FSABAGAD)
- akta.pro secondary industries
- Islamic Investment Banking & Capital Markets Services (FSABAGAG), Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH), Islamic Treasury, Liquidity & Interbank (Commodity Murabaha, Sukuk Liquidity) (FSABAGAK)
Keywords
Where Abyan Capital is headquartered
LocationHeadquarters
- HQ city
- Riyadh
- HQ country
- Saudi Arabia
- HQ region
- Middle East
Offices1 record
Markets served
Abyan Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Investment Management Fees: Annual management fees charged on assets under management in investment portfolios. Fees are approximately 1% annually for investment portfolios and 0.5% annually for savings and treasury portfolios, calculated and charged monthly.
- Trading Commissions: Commission fees on US market equity trades executed through the platform. The company offers a 50% discount on trading commissions for US market transactions.
- Murabaha (Islamic Financing) Services: Revenue generated from facilitating Islamic financing arrangements between businesses and Saudi banks. No fees charged for murabaha terms; revenue likely comes from margins or partnerships with banks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Investment Portfolios - Annual management fee of ~1% of assets under management |
| Subscription | Monthly | Savings Portfolio - Annual management fee of ~0.5% |
| Subscription | Monthly | Treasury Portfolio (Business) - Annual management fee of 0.5% |
| Transaction based/ take rate | Pay-as-you-go | US Market Trading - 50% discount on commissions |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Abyan Capital product offering
Product offeringCore offering
Abyan Capital provides Sharia-compliant digital wealth management through a mobile-first robo-advisory platform that manages diversified investment portfolios, savings products, US equity trading, and corporate treasury solutions. The company serves Saudi retail investors with automated portfolio management and Saudi businesses with Murabaha-based treasury products, all supervised by a qualified Sharia committee and licensed by the Capital Market Authority.
Product overview
Abyan Capital operates as a digital wealth management platform with three core product lines: Abyan Finance (robo-advisory app), Abyan Trading (self-directed US market trading platform), and Abyan Business (corporate treasury management). The platform offers five Shariah-compliant investment portfolios (Saudi Market, Growth, Balanced, Safe, and Children's), savings accounts with daily returns, US equity trading via Alpaca integration, and corporate treasury solutions with Murabaha products. All offerings are supervised by a Shariah committee and licensed by Saudi Arabia's Capital Market Authority.
Differentiator
Problem solved
Functional benefit
Products and services
- Abyan Finance (Mobile App) Digital wealth management mobile app offering Sharia-compliant robo-advisory services for retail investors in Saudi Arabia, including diversified investment portfolios, savings products, and access to global and local markets.
- Abyan Trading Self-directed trading platform for US equities and global stock markets with high execution speed, Sharia-compliant stock screening, AI-powered market analysis assistant, returns on uninvested balances up to 3% annually, and 50% discount on trading commissions.
- Abyan Business Corporate treasury management platform enabling Saudi businesses to earn yields on idle cash through a Treasury Portfolio (up to 5.6% annual yield with next-day liquidity) and Murabaha products from Saudi banks, supported by dedicated relationship managers.
- Saudi Market Portfolio (محفظة السوق السعودي) Investment portfolio focused on the Saudi Arabian stock market for high capital growth, consisting of 100% Saudi equities, managed by Jadwa Investment, with 23% average annual return and exceeding 39% returns in 2023.
- Growth Portfolio (المحفظة النمو) Diversified investment portfolio targeting capital growth through global stocks (50%), local stocks (20%), real estate (20%), and sukuk (10%), with 14% average annual return.
- Balanced Portfolio (المحفظة المتوازنة) Balanced investment portfolio for moderate capital growth consisting of global stocks (25%), local stocks (15%), real estate (30%), and sukuk (30%), with 10% average annual return.
- Safe Portfolio (المحفظة الآمنة) Capital preservation portfolio focused on sukuk investments with allocation to global stocks (5%), local stocks (5%), real estate (20%), and sukuk (70%), with 4% average annual return.
- Children's Portfolio (محفظة الأبناء) Long-term diversified investment portfolio designed for securing children's future through Sharia-compliant investments aligned with Islamic principles.
- Savings Portfolio (محفظة الادخار / محفظة أسواق النقد) Low-risk Sharia-compliant savings account invested in money market funds with daily returns up to 5.83% annually, offering full liquidity with ability to withdraw and deposit anytime. Minimum initial deposit of 50 SAR with 0.5% annual management fee.
- Treasury Portfolio (محفظة الخزينة) Corporate treasury solution offering up to 5.6% annual yield with next-day liquidity for Saudi businesses to earn returns on idle cash through Shariah-compliant money market investments, with 0.5% annual management fee and no minimum balance.
- Murabaha Products (المرابحات) Fixed-return term Murabaha (Islamic financing) products from multiple Saudi banks enabling businesses to compare rates, diversify maturities, and manage treasury with zero paperwork through the Abyan Business platform. Terms start from 50,000 SAR.
Quantifiable outcome
- Saudi Market Portfolio achieved returns exceeding 39% in 2023
- +3 more outcomes
Companies that use Abyan Capital
Customer profileSegments2 records
Ideal customer profiles2 records
Abyan Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Feature4 records
Abyan Capital partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and major.
- BenzingacoreBenzinga provides licensed market intelligence products including Analyst Ratings, Corporate Logos, and 'Why Is It Moving' content in English and Arabic. The integration embeds real-time market intelligence and analyst insights into Abyan Capital's trading and investing tools.
- AlpacacoreAlpaca provides brokerage API infrastructure enabling Abyan Capital to offer Sharia-compliant, self-directed trading platform for US equities to Saudi investors. The partnership launched access to US markets with high-yield savings accounts.
- Jadwa Investment (جدوى للاستثمار)majorJadwa Investment manages the Saudi Market Portfolio for Abyan Capital, providing investment management expertise for the 100% Saudi equities portfolio targeting high capital growth.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
Abyan Capital competitors and assessment
Company assessmentDirect peers
- Wahed Invest: Global Sharia-compliant digital wealth manager with operations in the Middle East and Saudi-adjacent markets, offering managed portfolios and robo-advisory — directly comparable in Sharia-first digital wealth.
- Sarwa: UAE-based MENA digital wealth and robo-advisory platform with Saudi presence; offers managed portfolios and US/global investing directly comparable to Abyan's retail proposition.
- Derayah Financial: Saudi CMA-licensed wealth management and robo-advisory platform offering managed portfolios and mutual funds to Saudi retail and institutional investors — directly competing for the same digital Sharia-compliant retail investor.
Broad incumbents
- Interactive Brokers: Global broker offering multi-asset trading and portfolio management to retail and institutional clients; a competitive benchmark for the US-equities trading experience Abyan delivers via Alpaca.
- Aljazira Capital: Saudi CMA-licensed investment manager and broker (subsidiary of Bank AlJazira) offering mutual funds, portfolio management and trading — overlapping with Abyan's investment and trading offerings from an established bank-backed platform.
- Riyad Capital: Major Saudi CMA-licensed broker and asset manager (affiliated with Riyad Bank) offering managed portfolios, brokerage, and corporate finance — competes across both retail investing and B2B treasury/wealth segments.
- Albilad Capital: Saudi CMA-licensed broker and asset manager providing portfolio management, mutual funds, and brokerage — overlapping with Abyan's investment and trading offerings and a partner bank for Abyan's murabaha products.
- SNB Capital: One of the largest Saudi asset managers and CMA-licensed brokers, offering managed portfolios, mutual funds, and brokerage — competes with Abyan for retail wealth and treasury mandates.
Others
- Jadwa Investment: Saudi asset manager that manages Abyan's Saudi Market Portfolio; an ecosystem partner and comparable Saudi investment manager that could compete for similar mandates.
Regional players
- Thndr: MENA digital brokerage (Egypt-headquartered) offering commission-based trading of regional and US equities — comparable self-directed trading experience for Arab retail investors, though operating in a different geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Abyan Capital social profiles
Digital presenceAbyan Capital compliance and trust
Trust signalCompliance2 records
Abyan Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Abyan Capital leadership team
Management profileNumber of profiles
Profiles9 records
Abyan Capital funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Abyan Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Abyan Capital
What does Abyan Capital do?
Abyan Capital provides Sharia-compliant digital wealth management through a mobile-first robo-advisory platform that manages diversified investment portfolios, savings products, US equity trading, and corporate treasury solutions. The company serves Saudi retail investors with automated portfolio management and Saudi businesses with Murabaha-based treasury products, all supervised by a qualified Sharia committee and licensed by the Capital Market Authority.
Is Abyan Capital a public or private company?
Abyan Capital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Abyan Capital founded?
Abyan Capital was founded in 2022. It employs 51 to 100 people.
Where is Abyan Capital based?
Abyan Capital is headquartered in Riyadh, Saudi Arabia, in the Middle East region.
How does Abyan Capital make money?
Three revenue lines are on record. Investment Management Fees are the primary driver. The others are trading Commissions and murabaha (Islamic Financing) Services.
Who are Abyan Capital's main competitors?
Direct peers on record are Wahed Invest, Sarwa and Derayah Financial. Broad incumbents are Interactive Brokers, Aljazira Capital, Riyad Capital, Albilad Capital and SNB Capital. Jadwa Investment is listed as an others. Thndr is listed as a regional player.
Does Abyan Capital have an API?
No public API is recorded for Abyan Capital.
What industry is Abyan Capital in?
Abyan Capital's product category is Digital Wealth Management and Robo-Advisory. Its primary akta.pro industry code is FSABAGAD, Islamic Private Banking & Wealth, with a secondary code of FSABAGAG, Islamic Investment Banking & Capital Markets Services. Its NAICS code is 523940 and its SIC code is 6282.