Infrastructure for the Next Layer of Saudi Fintech
We build the secondary market engine that debt crowdfunding platforms embed into their products — so their users gain liquidity without ever leaving the platform.
Every Capital Market Needs a Secondary Layer
Saudi Arabia's debt crowdfunding sector has grown rapidly under CMA's progressive regulatory framework. Billions of riyals have been deployed into SME loans through licensed platforms. But there is no secondary market infrastructure — no matching engine, no settlement layer, no compliant transfer mechanism. Sayyal exists to build that layer. We are not a marketplace. We are not a platform. We are the infrastructure that powers secondary markets inside the platforms that already exist. We believe that secondary liquidity is not a luxury — it is a prerequisite for a mature, deep, and trusted debt capital market in Saudi Arabia.
Infrastructure Principles
API-First
Every feature is an API endpoint first. UI components are built on top of the same APIs our platform partners use.
Compliance by Default
Regulatory alignment is built into every transaction — not bolted on. CMA and SAMA requirements are core, not optional.
Invisible to End Users
Sayyal never appears in your users' experience. We power the market; your platform owns the relationship.
Ecosystem Thinking
Better secondary infrastructure benefits every platform, every investor, and the Saudi fintech ecosystem as a whole.
Regulatory Context
Sayyal is designed to operate within Saudi Arabia's fintech regulatory framework, governed by the Capital Market Authority (CMA) and the Saudi Central Bank (SAMA). We are pursuing the appropriate licensing to operate as regulated secondary market infrastructure and are engaged with regulators as part of our launch process.
Build the Secondary Market Your Users Need
Talk to our integration team about adding Sayyal to your platform.