Every card you own,
one app that thinks about all of them.

Zadi is a bank-agnostic credit card app for UAE residents. See everything you owe and earn in one place, know which card to swipe before you pay, and stop losing money to due dates you never saw coming.

Make every dirham go further.

Live MVP, in private beta on iOS and Android

The problem

No bank can show you a card it didn't issue.

43%

of UAE consumers hold two or more credit cards, spread across more than 20 banks and 200 card products.

AED 230+

the cost of a single missed due date, plus interest that backdates to the day you spent, at 30 to 48% APR.

12 to 24

months before typical UAE reward points expire, usually without anyone noticing they were there.

The product

One place that understands all of your cards.

Zadi home screen showing combined spend and upcoming due dates

Everything in one view

Combined spend, utilisation and every due date across every bank, on one screen.

Zadi recommending which card to use for a purchase

Know which card to swipe

Ask before you pay and Zadi ranks your cards for that specific purchase, in dirhams.

See what you left behind

The rewards you missed by paying with the wrong card, counted honestly, in real money.

Zadi running in Arabic with a right-to-left layout

Arabic, done properly

Full right-to-left layout, localised dates and dirham formatting. Built in from day one.

Watch it work

Ninety seconds, no slides.

Why now

The UAE is opening its banking rails, and credit cards are already in scope.

The Central Bank's Open Finance framework names credit cards explicitly, alongside accounts, loans and insurance, and participation is mandatory for every licensed institution. It arrives in sequence: accounts and payment initiation went first, with ADCB, CBD, FAB and ADIB certified through 2025 and 2026. Zadi runs on manual entry today by design, which builds the habit early, and the data layer is already abstracted so live bank data replaces manual entry without rebuilding the product. Zadi never holds or moves customer funds.

Team

Two senior operators who have launched things from zero.

Hussein Tawfik

Co-founder & CEO

Regional Director at Talabat. Previously BCG, where he designed a financial institution's digital operating model, plus Meta and P&G, across twelve years in consumer, technology and strategy. LinkedIn

Mostafa Asseel

Co-founder & COO

Ex-Program Lead at Amazon MENA, where he ran the zero-to-one launch of Amazon FBA in Egypt and cut bad debt by 68%. Previously MAF Retail (Carrefour) in Business Management & Strategy, plus Microsoft and Oracle. AWS Certified AI Practitioner. LinkedIn

Every card you own,one app that thinks about all of them.