Talk to OXY ↗
ADGM registered · Gulf-native fintech infrastructure

Infrastructure that moves commerce.

OXY connects payments, embedded finance, insurance, trust infrastructure and enterprise delivery through one commercially coherent platform for the UAE and the Gulf.

Start a corporate conversation ↗ Explore the platform →
03Commercial engines
05Connected layers
GCCMarket architecture
ADGMRegistered corporate foundation
3 enginesPayments · Finance · Insurance
5 layersOne connected commercial architecture
B2B · B2C · TSPDistinct routes to market
01 · Corporate position

A focused fintech company with the breadth to support complex commerce.

OXY is not a single app and not a general software agency. It is a corporate fintech infrastructure and merchant-enablement company.

The company connects product architecture, compliance orchestration, commercial distribution and enterprise delivery to regulated specialist partners.

Commercial core

Three engines at the centre of every client relationship.

Clients can begin with one capability and expand through the same connected platform as operational requirements mature.

01
Payment infrastructure

OXY Pay

Merchant onboarding, acceptance, payment links, settlement, dashboards and regional rail connectivity.

Merchant SuitePlatform Suite
View capability ↗
02
Embedded financial products

OXY Finance

Working capital, invoice finance, merchant accounts, wallets and APIs connected to business activity.

SME FinanceEmbedded APIs
View capability ↗
03
Embedded protection

OXY Insurance

Product, purchase and transaction-linked protection delivered with licensed carrier partners.

Checkout coverSME protection
View capability ↗
Operating model

OXY creates value between clients and licensed infrastructure.

OXY owns the product architecture, client experience, compliance orchestration and commercial distribution layer. Regulated specialists provide the relevant financial foundations.

Capital efficientFaster deploymentRisk managedModular expansion
Clients
Merchants
Platforms
SMEs
Enterprise
OXY Technologies Product · Orchestration · Distribution
Foundations
Acquirers
Banking
Insurance
Open finance
Client propositions

One infrastructure. Four corporate configurations.

The commercial proposition changes by client type while the underlying OXY architecture remains connected.

01 · Merchants

Merchant Suite

Payments, onboarding, settlements, reporting, working capital and rewards for physical and digital commerce.

One operating layerAccept · Settle · Grow
02 · Platforms

Platform Suite

Sub-merchant management, split flows and embedded financial products for marketplaces and SaaS platforms.

OXY
03 · SMEs

SME Finance

Working capital, invoice finance and account capabilities informed by operating activity.

04 · Enterprise

Enterprise Connect

Discovery, architecture, custom configuration, integration and dedicated delivery for complex institutional requirements.

DiscoverArchitectIntegrateDeploy
Explore all client solutions →
Five-layer architecture

Corporate breadth built around a focused core.

Infrastructure, client propositions, portfolio applications and technology delivery remain commercially connected rather than operating as unrelated business units.

Review the platform architecture →
Layer 01

Core Fintech Infrastructure

OXY Pay, OXY Finance and OXY Insurance form the commercial centre of the company.

OXY PayOXY FinanceOXY Insurance
Industry applications

Designed for the operating realities of Gulf commerce.

OXY capabilities can be configured around sector workflows without changing the corporate platform underneath.

Retail & e-commercePayments, settlement, rewards and merchant finance.
MarketplacesSub-merchants, split flows and embedded products.
Gold & jewelleryPayment-linked value and sector commerce experiences.
Events & ticketingAcceptance, settlement, protection and audience journeys.
Parking & mobilityDigital collection and operational integration.
Mall commerceMerchant ecosystems, consumer discovery and unified rewards.
OXY Build

Infrastructure-grade technology delivery. Not generic development.

Every enterprise engagement connects custom software, integrations and deployment back to the OXY fintech platform.

Explore OXY Build →
01
BuildDesign and engineer specialist software.
02
IntegrateConnect ERP, CRM, banking and commerce systems.
03
DeployLaunch infrastructure in regulated environments.
04
AdvisoryShape fintech and regulatory technology architecture.
Portfolio proof

KanzPay demonstrates what the OXY platform can bring to market.

KanzPay is one consumer proposition built on OXY capabilities. It proves the infrastructure through a real product experience without defining the corporate website around an app.

Explore the product portfolio →
KanzPay mobile application mockup
OXY PayTransaction layer
OXY RewardsValue layer
OXY TrustIdentity layer
Corporate enquiries

Discuss the infrastructure, solution or delivery model your organisation needs next.

Contact OXY ↗