Zamanat

What Zamanat does

Zamanat (legal name Zamanat Advisors Ltd) is a Dubai-based, DIFC-headquartered orchestration platform for Shariah-aligned tokenized investment products. It acts as a single accountable counterparty coordinating the five layers required to bring an institutional product to market: legal and entity structuring, regulatory pathway navigation across DIFC/DFSA and ADGM/FSRA plus Luxembourg, Switzerland and South Africa, technology provider selection and integration, custody and banking coordination, and distribution readiness. Its stated positioning is vendor-neutral and chain-agnostic: Zamanat does not sell a proprietary technology stack, and onchain infrastructure is selected per mandate based on regulatory requirements, investor base and distribution needs, with no financial relationship to any single technology provider. It explicitly does not provide investment advice, act as placement agent, place capital, hold custody, hold client money, or operate a marketplace, and this structural separation is presented as allowing unconflicted advice on mandate fit.

The technical core is a service layer rather than a software stack. The Zamanat Workflow is a five-stage sequence (Structuring, Compliance, Tokenization, Distribution, Reporting) connecting regulatory pathways, asset originators, fund administrators, distribution channels and technology providers into one governed sequence, delivered through a four-step process from consultation and strategic alignment to live deployment. Step two is an AI-assisted structuring and proposal step that generates a developed proposal covering governance, regulatory frameworks, tokenization design and distribution strategy. The proprietary assets are process-based: documented legal and tokenization playbooks for SPVs, feeders, master-feeder and multi-share-class structures, plus a consistent record of each asset's documentation and approvals, which the company says compresses multi-share-class and SPV timelines to weeks against a benchmark of EUR 50,000-150,000 in legal fees and three to four months of vendor coordination for traditional fragmented structures.

On the product side, the reference asset is Zamanat Fund CEIC Limited, a DIFC-domiciled closed-ended private credit fund registered with the DFSA as an Exempt Fund and classified as a Credit Fund, with a target size of up to USD 100 million, targeting the estimated USD 250 billion GCC SME financing gap. Its interests are issued as ZM1 Investment Tokens on ZIGChain (now ZIG Finance) inside a permissioned, whitelisted environment restricted to DFSA Professional Clients. The fund is managed by Truleum Venture Partners Limited (DFSA Licence F008013) and administered by Apex Group, so Zamanat is sponsor rather than manager. The second product line is the October 2026 ADI Foundation MOU, targeting up to USD 150 million of tokenized private credit, trade finance and Sukuk on ADI Chain with maritime finance, SME credit and receivables as initial focus areas.

Monetization is early-stage and thinly disclosed. The website and tokenization services are in a beta phase during which no platform, subscription or usage fees are charged, with paid tiers to be introduced on at least 30 days' notice. The monetizable layer is fee-based orchestration and structuring engagements, plus sponsorship and development economics on sponsored products, where revenue mechanics are undisclosed. Go-to-market is consultation-first and relationship-led toward institutional fund managers, asset owners and family offices, supplemented by inbound Typeform lead capture, an event circuit (five Singapore forums in October 2026, the Dubai AIM Summit, and sponsorship of Apex Invest Middle East 2025), and an owned editorial channel (Insights, a tokenization news tracker and a glossary). Distribution is prepared rather than owned: products are positioned for wealth managers, family offices, fund platforms and introduced networks, and Zamanat states it does not place capital. The company was founded in 2025 as an idea incubated within the Disrupt.com ecosystem, backed early by ZIG Labs with Disrupt.com as lead investor, with no round amounts, dates or valuations disclosed.

Name

Zamanat

Legal name

Zamanat Advisors Ltd

Website

https://zamanathq.com

Company type

Private

Founded year

2025

Operating status

Operating

Short description

Zamanat is a Dubai-based, DIFC-headquartered orchestration platform that structures, regulates, tokenizes and prepares for distribution Shariah-aligned institutional investment products for fund managers, asset owners and ecosystem partners, coordinating licensed partners rather than owning a proprietary technology stack.

Ownership category

akta.pro rank

Product category

Real-World Asset Tokenization and Structured Investment Products

NAICS

Other Financial Vehicles (525990), Other Investment Pools and Funds (5259), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Asset-Backed Securities (6189), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro industry

PRIMARYFSAGAMAG

Institutional DeFi & On-Chain Liquidity Infrastructure (Permissioned DeFi, Lending)

Financial & Insurance/Financial Technology (Fintech)/Blockchain & Web3 Financial Infrastructure (Tokenization, Custody Tech)

SECONDARYFSADAFAH

Crypto-Backed Business / SME Loans (Secured)

Financial & Insurance/Crypto & Digital Assets/Crypto Lending, Borrowing & Credit Markets

SECONDARYFSAPAIAA

Permissioned Blockchain Platforms & Frameworks (Hyperledger, Corda, Quorum)

Financial & Insurance/Blockchain & Web3/Enterprise Blockchain & Tokenization (permissioned networks, RWA tokenization)

SECONDARYFSAAAMAH

Fund Governance Support (Board/Trustee, Minutes, Policies, Oversight)

Financial & Insurance/Asset & Wealth Management/Asset Management — Fund Administration & Transfer Agency

SECONDARYFSADALAJ

Risk Management, Controls, Governance & Policy (Crypto)

Financial & Insurance/Crypto & Digital Assets/Compliance, AML/KYC, Risk & Forensics (Crypto)

Keywords

• Real-world asset tokenization
• Shariah-compliant structuring
• Tokenized fund issuance
• Private credit structuring
• Institutional investment products

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Orchestration and structuring engagements: Fee-based professional services for coordinating legal/regulatory structuring, technology selection, custody and distribution readiness across the investment product lifecycle. Zamanat retains no fund positions, no custody and no advisory revenue, so this is the primary monetizable layer; terms for paid tiers have not yet been introduced.
2. Sponsorship and development of tokenized investment products: Zamanat sponsors and develops institutional investment products (e.g., Zamanat Fund CEIC Limited) through appropriately licensed partners, contributing structuring, credit analysis, due diligence and distribution coordination; each product follows its own legal, regulatory and Shariah review framework. Revenue mechanics are not disclosed.
3. Platform access (currently free beta): The website and tokenization services are in a beta phase during which Zamanat does not process any transaction or charge platform, subscription or usage fees for access to the site. Future paid tiers, fees or charges will be introduced with at least 30 days' advance notice.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels8 records

Core offering

Zamanat is a Shariah-aligned real-world-asset tokenization orchestrator that acts as a single accountable partner for institutional investment products, coordinating sourcing and structuring, regulatory pathway navigation (DIFC/DFSA, ADGM/FSRA and other jurisdictions), technology selection and integration, custody and banking coordination, and distribution readiness into one governed five-layer workflow. On top of this service layer it sponsors and develops institutional investment products through appropriately licensed partners, most notably Zamanat Fund CEIC Limited, a DIFC-domiciled DFSA-regulated closed-ended private credit fund whose interests are issued as ZM1 Investment Tokens on ZIGChain, plus an ADI Foundation collaboration targeting tokenized private credit, trade finance and Sukuk on ADI Chain. It retains no fund positions, holds no custody, provides no investment advice and does not place capital.

Product overview

Zamanat operates a single unified orchestration offering — a Shariah-aligned RWA tokenization platform and service — rather than a platform-plus-modules architecture. The core offering (the Zamanat tokenization platform and its Zamanat Workflow, covering structuring, compliance, tokenization, distribution and reporting) is a service layer that coordinates third parties rather than selling a technology stack; on top of that core, Zamanat sponsors and develops institutional investment products through appropriately licensed partners, most notably Zamanat Fund CEIC Limited, a DIFC-domiciled tokenized private credit fund whose interests are issued as ZM1 Investment Tokens on ZIGChain, with ADI Chain used for the ADI Foundation tokenization collaboration. The company also publishes supporting research and market-intelligence content (Zamanat Insights, Tokenization News and the Tokenization & Structured Finance Glossary) to build the Digital Shariah Assets market it coordinates.

Differentiator

Problem solved

Functional benefit

Brands

• Zamanat Fund CEIC Limited: DIFC-domiciled closed-ended tokenized private credit fund sponsored by Zamanat with a target size of up to USD 100 million, targeting the GCC's estimated $250 billion SME financing gap. Managed by Truleum Venture Partners Limited (DFSA licensed) and administered by Apex Group; interests issued as ZM1 Investment Tokens on ZIGChain, available only to DFSA Professional Clients.

Products and services

• Zamanat RWA Tokenization Platform Shariah-aligned tokenization orchestration platform and service for institutional issuers: a single accountable partner coordinating sourcing, regulatory pathway navigation, technology selection and distribution for tokenized investment products, with technology infrastructure enabling users to issue, administer and transfer tokenized assets, access investment opportunities and use custodial, compliance and reporting tools (which may be operated by third parties). The site and tokenization services are currently in a beta phase with no platform fees charged.
• Zamanat Fund CEIC Limited Zamanat's sponsored, DIFC-domiciled, DFSA-regulated closed-ended private credit fund (registered as an Exempt Fund and classified as a Credit Fund) targeting up to USD 100 million and aimed at the GCC's estimated $250 billion SME financing gap. Zamanat is the sponsor, Truleum Venture Partners Limited is the DFSA-licensed manager and Apex Group is the administrator; participation is only through the Fund Manager and final offering documents, for DFSA Professional Clients.
• ZM1 Investment Tokens Blockchain-native ownership and settlement layer for Zamanat Fund CEIC Limited, issued as the fund's interests on ZIGChain (now ZIG Finance) inside a regulated, whitelisted (permissioned) environment for DFSA Professional Clients only.
• ADI Foundation Tokenized Private Credit, Trade Finance and Sukuk Collaboration Framework with ADI Foundation to explore up to USD 150 million of tokenized private credit, trade finance and Sukuk on ADI Chain, starting with maritime finance, SME credit, trade finance receivables and a pilot in tokenized vessel financing with periodic distributions to eligible investors. ADI Foundation provides the asset pipeline and ADI Chain issuance, ownership-record and settlement infrastructure; Zamanat leads credit analysis, due diligence, structuring and investor distribution coordination.

Quantifiable outcome

• Compresses institutional decision-making from months of fragmented coordination into days of structured execution
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature6 records

Partnerships

Five partnerships are on record, tiered flagship — anchors zamanat's origination and settlement pipeline with up to usd 150 million of tokenized assets targeted on adi chain., core — regulated fund manager of zamanat's flagship fund, providing the dfsa-licensed distribution and management route., core — provides institutional fund administration and controls from the outset of the fund., flagship — network infrastructure layer for the zm1 investment tokens and a founding alliance member. and minor — legal counsel credited for the fund launch work..

• ADI Foundationflagship — anchors zamanat's origination and settlement pipeline with up to usd 150 million of tokenized assets targeted on adi chain.Strategic or Co-development Partner · 28 October 2026ADI Foundation and Zamanat Advisors Ltd signed a Memorandum of Understanding to explore opportunities in real-world asset tokenization, announced in Abu Dhabi on 28 October 2026 (published 29 October 2026). ADI Foundation provides access to a pipeline of real-world asset opportunities plus ADI Chain infrastructure, while Zamanat leads credit analysis, due diligence, transaction structuring and coordination of investor distributions. Initial focus areas are maritime finance (tokenized vessel financing with periodic distributions), SME credit, trade finance receivables and Sukuk, including Shariah-aligned structures. The framework establishes an ambition to support up to USD 150 million in tokenized assets on ADI Chain, subject to commercial viability and regulatory requirements.
• Truleum Venture Partners Limitedcore — regulated fund manager of zamanat's flagship fund, providing the dfsa-licensed distribution and management route.Others · 10 September 2026Truleum Venture Partners Limited is a DFSA-authorized Fund and Investment Manager based in the DIFC (DFSA Licence F008013) and is the manager of Zamanat Fund CEIC Limited, Zamanat's DIFC-domiciled tokenized private credit fund. The firm specializes in institutional-grade private market strategies and the structured tokenization of fund interests in regulated environments, integrating governance, compliance controls and digital architecture into fund structures. Truleum retains full responsibility for regulated fund-management activities while Zamanat acts as sponsor.
• Apex Groupcore — provides institutional fund administration and controls from the outset of the fund.Implementation/ SI/ Consulting Partner · 10 September 2026Apex Group acts as fund administrator for Zamanat Fund CEIC Limited, providing institutional fund administration and controls from the outset; it is also a founding member, with Zamanat, of the Apex–ZIGChain tokenization alliance to launch tokenized fund infrastructure. Apex describes the fund as setting the standard for how the market should be built and has worked on Zamanat's further projects. Apex Group was established in Bermuda in 2003 and operates over 13,000 professionals in over 50 jurisdictions.
• ZIGChain (now ZIG Finance)flagship — network infrastructure layer for the zm1 investment tokens and a founding alliance member.Technology or Integration · 10 September 2026ZIGChain (rebranded as ZIG Finance) is a Layer 1 blockchain purpose-built for regulated institutional investment opportunities onchain, and serves as the network infrastructure for the ZM1 Investment Tokens of Zamanat Fund CEIC Limited. Its co-founder Abdul Rafay Gadit appeared with Zamanat's CEO at the DIFC launch event, and ZIGChain co-founded the tokenization alliance with Apex Group in which Zamanat participates as a founding partner. ZIG Labs, part of ZIG Finance, also backed Zamanat early, before there was a fund to tokenize.
• Simmons & Simmonsminor — legal counsel credited for the fund launch work.Implementation/ SI/ Consulting PartnerSimmons & Simmons was thanked alongside Disrupt, Truleum, Apex Group and ZIGChain for the work behind Zamanat's DIFC launch, including roughly a year of work on structuring, the licensing route and governance. It is part of the specialist legal counsel Zamanat coordinates on mandates.

Scale indicators11 records

Recent moves7 records

Expansion highlights8 records

Direct peers

• Securitize: Securitize is a tokenization platform that issues tokenized funds, private credit and other securities to institutional investors and distributes them through intermediaries. Like Zamanat, it sits between regulated partners and institutional asset owners to take illiquid or private assets ontochain, and is the closest large-scale comparable for the tokenized fund wrapper model.
• Twenty One (21.co): Twenty One is an institutional digital asset and tokenization business providing regulated access and tokenized products to professional investors. It competes for the same institutional tokenization mandates that Zamanat pursues for asset owners and fund managers.
• Centrifuge: Centrifuge builds blockchain-based infrastructure for tokenizing funds, pools and real-world assets with institutional allocators and asset originators, including credit pools. It is directly comparable to Zamanat's orchestration of asset pools into tokenized, distribution-ready structures.
• Ondo Finance: Ondo Finance tokenizes credit, treasuries and other fixed income for institutional and crypto-native investors, and has built regulated distribution rails and fund structures. It is a comparable issuer of tokenized fixed-income and credit products competing for institutional allocation.

Broad incumbents

• Hamilton Lane: Hamilton Lane is a large private-markets investment manager that has tokenized its funds and SMA vehicles for broader investor access. It represents the incumbent side of the same problem Zamanat addresses — structuring private market exposure for a wider investor pool — but from within an established asset manager rather than as a neutral orchestrator.
• Fireblocks: Fireblocks is an institutional digital asset infrastructure and custody platform that also provides tokenization and issuance services for banks, funds and asset managers. It is comparable as the technology-and-custody layer that Zamanat coordinates through partners rather than owns.
• WisdomTree: WisdomTree operates a digital securities platform issuing blockchain-based tokenized funds and money market products to institutional and wealth channels. It is an incumbent that has already productized tokenized fund issuance and distribution, directly overlapping Zamanat's fund-wrapper and distribution-readiness proposition.

Emerging players

• Matrixport: Matrixport is a digital asset manager offering RWA tokenization products and structured investment vehicles, notably across Asian and Middle Eastern markets. It is a close regional and product analogue to Zamanat's move to tokenize private credit and sukuk-style assets for MENA institutions.

Regional players

• DigiFT: DigiFT is a Singapore-based regulated exchange and RWA tokenization platform serving institutional investors and asset issuers. It is comparable given Zamanat's Singapore market expansion and its ambition to sell tokenized fund interests into Asian institutional channels.
• Boosted!: Boosted! is a Singapore-headquartered issuer of tokenized real-world assets, including private credit and structured products for institutional and accredited investors. It overlaps with Zamanat's tokenized private credit and sukuk ambitions but serves a different geographic base and investor pool.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/ZamanatDigital
• LinkedInlinkedin.com/company/zamanathq

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 Zamanat