The API Layer That Powers Secondary Markets
Sayyal gives debt crowdfunding platforms a complete secondary market engine — matching, settlement, compliance, and ownership transfer — embedded directly into your product.
POST /webhooks
listing.settled
The Gap
Crowdfunding Platforms Are Missing a Critical Layer
Every major capital market has a secondary layer. Saudi debt crowdfunding doesn't — yet.
Investors Can't Exit
Positions are locked for 12–36 months. Investors who need liquidity stop deploying capital — and platforms lose repeat AUM.
No Transfer Infrastructure
There is no compliant, standardised mechanism for platforms to facilitate position transfers between users.
Institutional Capital Stays Out
Family offices and funds require liquidity options before committing. Without a secondary layer, platforms can't access this capital.
Your Platform
Asilah, Lendo, Tamweel, or any CMA-licensed platform
Sayyal Infrastructure
Matching · Settlement · Compliance · Transfer
Your Users
Gain secondary market access — never leave your platform
The Infrastructure
Plug In a Full Secondary Market in Weeks, Not Years
Sayyal is infrastructure. Your platform integrates our APIs and SDKs. Your users gain secondary market access without ever leaving your product. We handle the matching engine, settlement, compliance, and legal transfer — you own the experience.
- REST API + webhooks — integrate in days, not months
- White-label UI components or headless API — your choice
- Matching engine, settlement, and ownership transfer handled by Sayyal
- Compliance layer built for CMA and SAMA requirements
The Stack
Everything a Secondary Market Needs
Matching Engine
Real-time bid/ask matching across your user base. Configurable price discovery rules and order book depth.
Settlement Engine
Automated fund movement and position transfer. T+2 settlement with full audit trail and reconciliation.
Ownership Transfer
Legally compliant transfer of loan rights and obligations. Digital documentation, registered and auditable.
Compliance Layer
KYC/AML checks on all participants. CMA and SAMA-aligned transaction monitoring and reporting.
Admin Dashboard
Full visibility into secondary market activity on your platform. Manage listings, monitor settlements, configure rules.
REST API + SDK
Clean, well-documented APIs with SDKs for common stacks. Webhooks for real-time event integration.
Integration
From Signup to Live in Four Steps
Connect via API
Authenticate with your Sayyal API key. Our read-only sync imports your active loan positions automatically.
Embed the UI or Go Headless
Use our white-label React components or build your own UI on top of the headless API — your brand, your experience.
Sayyal Handles the Market
Matching, compliance checks, settlement, and legal transfer all run on Sayyal's infrastructure. No operational overhead for your team.
Receive Webhooks on Completion
When a transfer settles, Sayyal fires a webhook to update your platform's ownership records in real time.
Market Opportunity
A SAR 4B+ Market With No Secondary Infrastructure
SAR 0B+
Total debt crowdfunding deployed in Saudi Arabia
0+
CMA-licensed crowdfunding platforms operating today
0
Regulated secondary market infrastructure providers
Sources: CMA Annual Report 2024, SAMA Fintech Report 2024
Compliance
Regulatory Infrastructure, Not an Afterthought
Sayyal's compliance layer is built into every transaction — not bolted on. CMA alignment, SAMA framework adherence, KYC/AML workflows, and Shariah-compliant transaction structures are core to the product.
Structured to comply with CMA crowdfunding and capital markets regulations.
Adheres to SAMA's open banking and fintech regulatory sandbox guidelines.
All transaction structures reviewed for Shariah compliance by qualified scholars.
Full KYC and AML workflows integrated for all participants on every transaction.
Common Questions from Platform Teams
No. Sayyal operates entirely in the background. Your users never see the Sayyal brand — they interact with your platform's UI, which is powered by Sayyal's infrastructure under the hood.
Most platforms complete a basic integration in 2–4 weeks. Full white-label deployment with custom UI typically takes 4–8 weeks depending on your team's capacity.
Both options are available. We provide white-label React components you can theme to match your brand, or you can build a fully custom UI on top of our headless REST API.
Sayyal's compliance layer runs KYC/AML checks on all secondary market participants, monitors transactions against CMA and SAMA requirements, and generates the audit trail your platform needs for regulatory reporting.
Sayyal charges a transaction fee on completed secondary market transfers. There are no setup fees or monthly minimums for launch partners. Detailed pricing is available on request.
Ready to Add a Secondary Market to Your Platform?
Talk to our integration team. We'll walk you through the API, the compliance layer, and what a deployment looks like for your platform.