Nuqta نقطة
The Integrated Financial Ecosystem for UAE & GCC
Nine interconnected products serving 30M+ potential users across tourists and residents. One wallet, one membership, endless value.
The Vision
Nuqta is building the integrated financial ecosystem for the UAE and GCC region. Unlike fragmented fintech solutions, Nuqta creates a unified experience where every financial need — from payments to housing to travel — is connected through one membership, one wallet, and one rewards system.
Mission
Make every dirham work harder through intelligent payments and rewards
Insight
9M residents and 21M tourists need one platform, not 20 apps
Ambition
$1.2B valuation by 2031, GCC-wide expansion
The Problem
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Tourists pay 2-4% FX markup on every transaction
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Residents need 10+ apps for daily financial life
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Reward points fragmented, hard to use, low value
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No single platform serves both tourists and residents
The Nuqta Solution
Google rate FX with 0% markup via Hawil Card
9 integrated products in one super-app
Universal Nuqta coins: earn everywhere, spend everywhere
Tailored features for both tourists and residents
Why Now?
Tourism Boom
UAE targeting 40M tourists by 2031 (up from 21M)
Digital Payments
80%+ card penetration, cashless society push
BNPL Growth
MENA BNPL market to hit $10B by 2028
Super-App Gap
No dominant super-app in GCC yet
© 2026 Nuqta. Building the financial ecosystem for UAE & GCC.