krti
- Company typePrivate
- Founded2024
- HeadquartersKuwait, Kuwait
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
krti firmographics
Firmographics- Name
- krti
- Legal name
- Krti
- Website
- https://krti.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
krti industry classification
Industry- Product category
- Cashback & Loyalty Platform
- SIC
- Finance Services (6199)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where krti is headquartered
LocationHeadquarters
- HQ city
- Kuwait
- HQ country
- Kuwait
- HQ region
- Middle East
Offices2 records
Markets served
krti business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction-based cashback fees: Merchants pay a percentage of each transaction processed through Krti at checkout. When customers use Krti Pay and earn cashback, the merchant funds this cashback as part of their commercial strategy. Krti takes a percentage of the transaction value or a fee per transaction.
- Merchant premium Boost campaigns: Premium Boost feature allows merchants to run enhanced promotional campaigns (such as 2x cashback) at checkout, likely as a paid premium service within the MyFatoorah merchant dashboard.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
krti product offering
Product offeringCore offering
Krti is a fintech platform that uses agentic AI to automatically detect, calculate, and apply the best available cashback and loyalty rewards at checkout. The offering consists of the Krti Consumer App (a free mobile application for shoppers) and the Krti Merchant Solution (a business-facing platform that allows merchants to offer automatic cashback). The system integrates with the MyFatoorah payment network to provide instant access to merchants across the region.
Product overview
Krti offers a unified intelligent payment and loyalty platform consisting of two main components: the Krti Consumer App (for shoppers) and the Krti Merchant Solution (for businesses). The platform leverages agentic AI to automatically detect, calculate, and apply the best cashback and reward options at checkout — all in a single tap. Consumers access rewards via the mobile app, while merchants integrate through MyFatoorah to activate loyalty programs without technical complexity. The system supports both online and in-store payments through KNet, Mastercard, and Visa networks.
Differentiator
Problem solved
Functional benefit
Products and services
- Krti Consumer App A free mobile application (iOS and Android) that uses agentic AI to automatically detect, calculate, and apply the best available cashback and loyalty rewards at checkout. Designed for individual online shoppers in Kuwait and Saudi Arabia who want to maximize rewards on their digital and online purchases without manually tracking offers.
- Krti Merchant Solution A business-facing platform that enables e-commerce merchants integrated with the MyFatoorah payment network to offer automatic cashback rewards to shoppers, drive checkout conversion, and access a pool of reward-driven consumers. Merchants are acquired through direct partnership and pay transaction-based fees plus optional premium Boost campaign fees.
Quantifiable outcome
- Rewards applied instantly at checkout - no waiting, no claiming, no codes required
- +2 more outcomes
Companies that use krti
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
krti technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature5 records
krti partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and flagship.
- MyFatoorahcoreKrti is built on MyFatoorah's existing payment infrastructure. Merchants activate Krti through the MyFatoorah dashboard with no heavy technical integration required. Krti appears inside MyFatoorah merchant interface for seamless checkout loyalty activation.
- BoutiqaatflagshipLeading retail partner displayed as trusted partner on Krti's website. Boutiqaat enables Krti loyalty rewards and cashback at checkout for their customers.
- MastercardcorePayment network partner enabling Krti to recommend Mastercard cards for optimal cashback and to process transactions across merchant network.
- VisacorePayment network partner enabling Krti to recommend Visa cards for optimal cashback and to process transactions across merchant network.
- KNETcoreKuwaiti payment network partner enabling Krti integration with local payment infrastructure in Kuwait.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
krti competitors and assessment
Company assessmentBroad incumbents
- Honey (PayPal): Browser-based rewards and coupon optimizer. Comparable as a consumer-side checkout reward automation tool, though Krti is app-based and focused on GCC payment rails.
- Fawry: Egypt-based payment and e-commerce enablement platform spanning bill payments, BNPL, and merchant checkout. Comparable as a MENA-region payments infrastructure player that could host or compete with loyalty/cashback layers.
- MyFatoorah: Leading GCC payment gateway on which Krti is built. Comparable as the underlying payment infrastructure provider whose merchant base and dashboard Krti leverages for distribution and merchant activation.
- Rakuten (cashback app): Global cashback/loyalty marketplace. Comparable as a scaled cashback player whose mechanics (multi-merchant rewards, card-linked offers) Krti is essentially regionalizing with agentic AI.
- Adyen: Global payment orchestration platform. Comparable as the broader payment-orchestration/PSP layer that Krti effectively sits on top of via MyFatoorah — relevant for understanding payment infrastructure economics and competitive dynamics.
Direct peers
- Tabby: GCC-headquartered consumer fintech operating at the checkout layer in Kuwait and Saudi Arabia. Comparable as a regionally focused payments-adjacent app targeting online shoppers with checkout-time value (BNPL vs. loyalty).
- Tamara: Saudi-based checkout fintech expanding across the GCC including Kuwait. Comparable as a consumer-facing checkout experience layer partnering with the same regional merchants and networks Krti targets.
Others
- Careem Pay: Super-app with a wallet and payments feature across the Middle East. Comparable as a regional consumer fintech whose app-based payment and rewards experience overlaps with Krti's checkout loyalty positioning.
Regional players
- Cashrewards: Cashback shopping app in the Australia/NZ market. Comparable as a regional cashback/loyalty consumer app that aggregates card-linked offers, similar to Krti's positioning in Kuwait/Saudi Arabia.
Emerging players
- GoPaisa: India-focused cashback and coupon platform. Comparable as an early-stage/mid-stage cashback aggregation app that competes for merchant-funded rewards at online checkout, similar to Krti's merchant model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
krti social profiles
Digital presencekrti financial estimates
Financial estimateRevenue estimate
Valuation estimate
krti leadership team
Management profileNumber of profiles
Profiles3 records
krti funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
krti 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 krti
What does krti do?
Krti is a fintech platform that uses agentic AI to automatically detect, calculate, and apply the best available cashback and loyalty rewards at checkout. The offering consists of the Krti Consumer App (a free mobile application for shoppers) and the Krti Merchant Solution (a business-facing platform that allows merchants to offer automatic cashback). The system integrates with the MyFatoorah payment network to provide instant access to merchants across the region.
Is krti a public or private company?
krti is a private company. It is classified as venture growth investor backed and is currently operating.
When was krti founded?
krti was founded in 2024. It employs 1 to 10 people.
Where is krti based?
krti is headquartered in Kuwait, Kuwait, in the Middle East region.
How does krti make money?
Two revenue lines are on record. Transaction-based cashback fees are the primary driver. The others are merchant premium Boost campaigns.
Who are krti's main competitors?
Broad incumbents on record are Honey (PayPal), Fawry, MyFatoorah, Rakuten (cashback app) and Adyen. Direct peers are Tabby and Tamara. Careem Pay is listed as an others. Cashrewards is listed as a regional player. GoPaisa is listed as an emerging player.
Does krti have an API?
No public API is recorded for krti.
What industry is krti in?
krti's product category is Cashback & Loyalty Platform. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its SIC code is 6199.