Dayra

Name

Dayra

Legal name

Dayra for Microfinance

Website

https://dayra.co

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Embedded Finance Platform

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Embedded finance platform
• B2B lending
• Microfinance APIs
• Alternative credit scoring
• Working capital financing

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. B2B Lending (Dayra Lend): Direct financing to businesses and workers through the platform. Businesses access capital to pay suppliers and workers, repaying Dayra on extended terms.
2. B2B2X Platform Services: Risk-free financial services embedded in partner platforms, enabling user-facing platforms to offer capital access to their underbanked workers and customer base.
3. Dayra Pay (Transfers): Hassle-free transfers to workers and suppliers with a click of a button, processing payments on behalf of businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Dayra operates FinancialOS, an embedded finance infrastructure platform that provides B2B lending directly to businesses and B2B2X financial services through partner platforms. It offers three product lines: Dayra Pay (B2B transfers to workers and suppliers), Dayra Extend (B2B working capital financing for suppliers and workers), and Dayra Lend (B2B2X embedded lending enabling platforms to give their workers and customers access to capital directly from their app), all delivered via 400+ APIs, customizable widgets, and dashboards with automated credit decisioning.

Product overview

Dayra operates as a FinancialOS platform providing embedded microfinance solutions in Egypt. The platform consists of three core products: Dayra Pay (B2B payment solution for worker/supplier transfers), Dayra Extend (B2B working capital financing), and Dayra Lend (B2B2X embedded lending for partner platforms). The platform integrates with partner companies to assess creditworthiness using transaction data, behavioral patterns, and i-Score credit bureau data, enabling underbanked gig workers and small businesses to access working capital, inventory financing, and early wage access through a mobile/web application.

Differentiator

Problem solved

Functional benefit

Brands

• Dayra Pay: Make transfers to workers and suppliers hassle-free with a click of a button.
• Dayra Extend
• Dayra Lend

Products and services

• FinancialOS Dayra's core embedded finance infrastructure platform that powers B2B lending (Dayra Extend) and B2B2X embedded lending (Dayra Lend) products for businesses and user-facing platforms, including automated credit decisioning and identity verification capabilities.
• Dayra Pay B2B payment solution that lets businesses make transfers to their workers and suppliers with a click of a button, processing payments on behalf of businesses through Dayra's platform.
• Dayra Extend B2B working capital financing product that gives businesses direct access to financing so they can pay suppliers and workers on time, with capital received within 1 business day and customizable loan cycles and tenors.
• Dayra Lend B2B2X embedded lending product that lets user-facing partner platforms offer their workers and customers direct access to capital from within the partner's own app, with Dayra owning the loan product and credit risk while the platform embeds a co-branded widget.

Quantifiable outcome

• Capital received within 1 business day
• +1 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• DigifiedcoreTechnology or IntegrationDigified is a third-party technology service provider licensed by the FRA that provides identity verification services including National ID authenticity verification, liveness detection, facial matching against Civil Status Organization records, phone ownership verification via NTRA, and digital contract execution services. Digified acts as a data processor on Dayra's behalf.
• i-Score (Egyptian Credit Bureau)coreTechnology or IntegrationEgyptian Credit Bureau providing credit history data. Dayra queries i-Score credit bureau records with explicit user consent at the time of each financing application to assess creditworthiness as part of their automated credit decisioning process.
• Partner Companies (Platform Data)coreTechnology or IntegrationBusiness partners who share transaction and behavioral data with Dayra to enable credit assessment. Partners include user-facing platforms using Dayra's B2B2X product who share transaction history for credit evaluation purposes.

Recent moves5 records

Expansion highlights4 records

Direct peers

• MNT-Halan: MNT-Halan is Egypt's largest fintech, providing lending, payments, and embedded finance to underbanked consumers and SMEs via a super-app. It is the most direct competitor to Dayra in Egyptian microenterprise and gig-worker lending, and shares the B2B2X distribution model.
• valU: valU is the consumer finance and BNPL arm of EFG Hermes (one of Dayra's investors), offering installment lending and embedded finance in Egypt. It competes with Dayra Lend for the same underbanked borrower segment and works with the same merchant platforms.
• Khazna: Khazna is an Egypt-based BNPL and embedded finance provider serving underbanked employees and micro-entrepreneurs via employer and merchant integrations. Its B2B2X model and focus on thin-file borrowers closely mirror Dayra Lend's approach.
• Kashat: Kashat is an Egyptian micro-lender offering small, short-term loans to unbanked and underbanked individuals via a mobile app. It targets the same gig-worker and microenterprise customer base as Dayra Extend and Dayra Lend.

Broad incumbents

• Paymob: Paymob is a leading Egyptian payment infrastructure and fintech enablement platform powering thousands of merchants and SMEs with acceptance and acceptance-linked services. It is a broader incumbent that overlaps with Dayra Pay and the platform-embedding strategy.
• Fawry: Fawry is Egypt's dominant bill-payment and digital financial services network serving consumers, SMEs, and banks. As a broad incumbent it competes with Dayra Pay on payment flows and has been expanding into SME lending and embedded finance.
• Telda: Telda is an Egypt-focused consumer neobank offering cards, accounts, and credit to underbanked users. It is a broader incumbent that intersects with Dayra on lending to thin-file Egyptian consumers, though Telda focuses on direct-to-consumer rather than B2B2X.

Emerging players

• Dopay: Dopay offers payroll-linked earned-wage access and embedded finance for employers and gig platforms, primarily in the Netherlands and MENA. Its employer-integrated model overlaps with Dayra's gig-worker and platform-embedded offerings.
• Lean Technologies: Lean Technologies is a MENA open-finance API platform that connects lenders to consumer banking data for underwriting and payments. It is an emerging infrastructure player comparable to Dayra's API-first credit and payment rails in the region.
• Tala: Tala is an emerging-markets digital lender using alternative data to underwrite thin-file borrowers in countries including Egypt via mobile-first credit products. It is comparable to Dayra Lend's model of serving unbanked borrowers with non-traditional underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/go.dayra
• LinkedInlinkedin.com/company/dayra
• Instagraminstagram.com/go.dayra?igsh=MXB0dGMyNnl2d3N5Mg==
• Xx.com/go_dayra

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dayra