Nuqta
Complete RTMN Ecosystem

100+ Apps for the GCC Market

The complete Nuqta/RTMN digital ecosystem - from super-app core to 24 delivery verticals, travel, community, finance, and gamification layers.

10
Apps Built
114
Apps Planned
124
Total Apps
16
Categories

The RTMN Flywheel

Customer Acquisition
Discovery
Transaction
Rewards
Operations
Step-by-Step Ecosystem Build

How Each Product Makes the Ecosystem Stronger

Built by Rabtul tech team across all 10 sister companies by priority — not one company at a time, but whatever's needed first. Each product reuses shared Rabtul SDKs and connects to everything before it.

Ecosystem Power10%
FoundationSuper-App Complete
Step 1 of 10Phase 1 — Foundation Month 1-2 (Sprint 1-2)

Rabtul Infrastructure

Shared Tech Backbone for 100+ Apps

5
Total Apps
0 (infrastructure only)
Users
Sister Companies:Rabtul

Why Build This Now?

Everything runs on Rabtul. Before any consumer or merchant app, we build 5 shared SDKs (AuthSDK, WalletSDK, OrderSDK, RuleSDK, EventSDK), API Gateway, Event Bus, Data Platform, and Security. Every future product across all 10 companies plugs into this — build once, reuse 100+ times.

From Documentation:5 SDKs • 60+ DB tables designed • 100+ error codes • Event schema registry • Circuit breaker patterns

What Rabtul Builds

AuthSDK — OTP login, JWT tokens, SSO for all apps
WalletSDK — 4 coin types (Promo→Branded→Nuqta→Cash debit priority)
OrderSDK — Order state machine (PLACED→CONFIRMED→PREPARING→READY→DELIVERED)
RuleSDK — Campaign eligibility, coin calculations, cap enforcement
EventSDK — Real-time event bus (Redis Pub/Sub → Kafka)
API Gateway — Rate limiting, auth check, request routing
NuqtaPay rails — PCI-DSS compliant payment processing
DataPulse warehouse + SecureVault compliance

Apps Unlocked

Rabtul CoreAIRA EngineDataPulseCloudSyncSecureVault

Synergies Unlocked

Single auth for all 100+ apps — user logs in once, uses everything
One wallet engine reused by BizOne, Nuqta, Qist, Hawil, Wasil, Sakin
Payment gateway shared by every transactional app in the ecosystem
AI/ML models (credit scoring, fraud, recommendations) serve all companies
Event bus enables real-time communication between all future services

Network Effect

Foundation layer — no user-facing products yet, but every single app built after this plugs into Rabtul. The more apps we add, the more valuable these shared services become.

Licenses & Regulatory Requirements3 areas

Rabtul (Tech Company)
Easy2-4 weeks
UAE Trade License (DED) — IT Services / Software Development
TDRA Registration — Telecom & Digital Government Regulatory Authority
UAE Data Protection Registration — Federal Decree-Law No. 45/2021 (PDPL)
Authority: DED + TDRAEst. Cost: AED 15K-30K
NuqtaPay (Payment Processing)
Hard6-12 months
Retail Payment Service Provider (RPSP) License — CBUAE
PCI-DSS Level 1 Certification — for card processing
Payment Card Industry compliance audit
Authority: Central Bank of UAE (CBUAE)Est. Cost: AED 500K-2M + AED 5M minimum capital
Data Platform
Medium1-3 months
Cloud Service Provider registration with TDRA
Data hosting compliance (UAE data residency requirements)
Authority: TDRAEst. Cost: AED 20K-50K
View Rabtul Tasks
Rabtul
5 apps
BizOne
Step 2
Nuqta
Step 3
Qist
Step 4
Wasil
Step 5
Sakin
Step 6
Safar
Step 7
Discovery
Step 8
Adzy
Step 9
Full
Step 10
View Ecosystem Overview

Nuqta

نقطة

Super-app hub - unified wallet, membership, rewards

BuiltView →

AI-R

ذكاء

Personal AI assistant - recommendations, automation, insights

PlannedQ3 2027

BuzzLoop

بزلوب

Personalized discovery feed - trending, local, interests

PlannedQ4 2027

CoinHunt

كوين هنت

Gamified earning - quests, challenges, treasure hunts

PlannedQ2 2027

LocalEdge

لوكال إيدج

Hyperlocal recommendations - neighborhood gems, hidden spots

PlannedQ1 2028

Ecosystem Summary

Built (10)

NuqtaView
Wasil HubView
SafarView
QistView
HawilView
SakinView
AjerView
RakabView
FakhirView
Gamification HubView

Coming 2027

AI-RQ3 2027
BuzzLoopQ4 2027
CoinHuntQ2 2027
DinezyQ2 2027
GrocifyQ2 2027
GlowzyQ3 2027
MediEarnQ2 2027
PetPalsQ4 2027
CleanEZQ3 2027
HandyzyQ4 2027
SparkleanQ3 2027
StylezyQ4 2027
BloominzQ4 2027
CakezyQ3 2027
AquaFreshQ3 2027
IceColdzQ4 2027
BrewzyQ3 2027
QuickDropQ2 2027
NightOwlQ4 2027
PartyPackQ4 2027
GiftWrapQ4 2027
AirzyQ3 2027
TravoPayQ3 2027
WeekendzyQ4 2027
StaycayQ3 2027
DesertVibesQ4 2027
BeachLifeQ3 2027
CityExploreQ3 2027
GigzyQ2 2027
BuzzLocalQ3 2027
Z-EventsQ2 2027
MemberPlusQ4 2027
PollzyQ3 2027
LeadzyQ4 2027
ReferralHubQ2 2027
LoyaltyMaxQ3 2027
ContestifyQ4 2027
NuqtaPayQ2 2027
SplitzyQ3 2027
Savezy+Q4 2027
CreditBoostQ3 2027
BudgetProQ3 2027
MemezyQ2 2027
QuizzyQ2 2027
SpinzyQ2 2027
ScratchzyQ2 2027
PollzyQ3 2027
ConfesslyQ4 2027
DailywinQ2 2027
StreakzyQ3 2027
RankzyQ3 2027
BadgezyQ3 2027
ChallengezyQ4 2027
SnapzyQ4 2027
VotezyQ3 2027
PredictzyQ4 2027
MatchzyQ4 2027
FlipzyQ4 2027
BizOneQ2 2027
NextaBizzQ3 2027
InventoraQ3 2027
AdzyQ4 2027
TamkeenQ3 2027
AIRAQ3 2027
RabtulQ2 2027
DataPulseQ3 2027
CloudSyncQ2 2027
SecureVaultQ2 2027

Coming 2028+

LocalEdgeQ1 2028
TechDropQ1 2028
FeastlyQ1 2028
SavorlyQ2 2028
KidszoneQ1 2028
SeniorlyQ2 2028
OfficeEatsQ1 2028
TrekzyQ1 2028
CampzyQ1 2028
WildEscapeQ2 2028
Cruise+Q2 2028
CirclezyQ1 2028
HangoutzyQ2 2028
VibezyQ1 2028
CampuszyQ3 2028
ParentHubQ2 2028
FitSquadQ2 2028
BookClubzQ3 2028
SkillsharezQ4 2028
VolunteerHubQ3 2028
NeighborNetQ2 2028
BrandzyQ1 2028
GrowthLabQ1 2028
LearnzyQ2 2028
TutorlyQ3 2028
Certify+Q4 2028
SkillBoostQ3 2028
KidLearnQ4 2028
InvestzyQ1 2028
InsurzyQ2 2028
TaxzyQ1 2029
WealthzyQ2 2028
CryptoLiteQ4 2028
FitLifeQ2 2028
MindCalmQ3 2028
NutriPlanQ3 2028
DocConnectQ2 2028
WellnessHubQ4 2028
PawCareQ3 2028
HomeHubQ2 2028
AutoCareQ3 2028
GardenProQ4 2028
SmartHomeQ1 2029
SecurityPlusQ1 2029
BouncezyQ1 2028
CollectzyQ1 2028
RTMN GroupRTMN DashboardMaster PlanLaunch Strategy