For fintechs operating in the UAE, building trust through strong compliance is no longer optional. As peer-to-peer and digital payment apps adoption accelerates, regulators are placing greater emphasis on AML controls and fraud prevention especially for platforms handling high-velocity consumer and SME payments.

Client Overview: Ziina

Ziina is a UAE-based peer-to-peer payment app designed to simplify how individuals and businesses send and receive money. Built with a vision to create a “new age of money” in the Middle East, Ziina enables fast, seamless payments while also supporting small businesses with flexible ways to collect funds.

As the platform continues to grow its user base and expand payment use cases, ensuring secure, compliant transactions across all flows became a strategic priority.

The Challenge

As a consumer-first payments platform operating in a tightly regulated market, Ziina needed to:

  • Maintain strong AML controls for P2P and business payments
  • Protect users from fraud without adding friction to the payment experience
  • Meet evolving regulatory expectations in the UAE and wider Middle East
  • Partner with a compliance provider that could scale alongside product growth

The goal was to embed compliance in a way that supports innovation, not slows it down.

“At Ziina, we are committed to providing a safe and seamless payment experience for our customers. Partnering with Flagright allows us to strengthen our compliance framework while continuing to innovate and improve how people move money.” — Leonardo Correa, Head of AML and Compliance, Ziina

The Solution

To support its compliance strategy, Ziina partnered with Flagright for real-time transaction monitoring and AML compliance.

Flagright’s platform enables Ziina to monitor transactions, identify suspicious behaviour, and manage compliance workflows through a unified system. With streamlined integration and transparent implementation, Ziina was able to deploy robust AML controls without disrupting product development or user experience.

This approach allows Ziina to stay agile; adjusting compliance rules as regulations evolve while maintaining a smooth payment journey for individuals and businesses.

“Ziina is building an innovative payments experience for the UAE and the wider Middle East. We’re proud to support their mission by providing the AI-native transaction monitoring and AML compliance foundation needed to scale securely and responsibly.” — Baran Ozkan, Co-founder and CEO, Flagright

Expected Impact

Through its partnership with Flagright, Ziina aims to:

  • Strengthen AML compliance across P2P and business payment flows
  • Improve fraud detection while preserving seamless user experience
  • Support long-term growth in a highly regulated payments environment
  • Build trust with users, partners, and regulators

Learn how Flagright supports fintechs and payment platforms with scalable AI-native transaction monitoring and AML compliance solution: Get A Demo.

About Flagright

Flagright is a global leader in AI-native transaction monitoring and AML compliance solutions, featuring a highly customizable, risk-based platform with the industry’s fastest two-week integration, enabling financial institutions to centralize detection, investigate and report suspicious activity, streamline regulatory workflows, and strengthen financial crime controls. Flagright has also been recognized as the fastest growing AML compliance platform in Europe (Sifted), also globally recognized by Chartis as a leader in AI for fincrime compliance, amongst several other global recognitions. Trusted by fintechs and banks in 30+ countries, Flagright helps reduce false positives by 93% and lower compliance costs by 80%, thereby setting the modern standard for financial crime compliance.