Nuqta
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The RTMN Story

One Ecosystem. Zero Leakage.

31 products. 11 companies. One wallet. One identity. Every dirham earned is a dirham that stays.

نظام بيئي واحد. تسرب صفري. ٣١ منتج. ١١ شركة.

31
Active Products
11
Companies
6
GCC Countries
6B+
GMV Target (Y3)
The Problem

A Fragmented Digital Economy

In the GCC, every daily need requires a different app, a different login, a different wallet. Value leaks at every touchpoint.

15+
apps per user

Users juggle 15+ apps for daily life

5
separate tools

Merchants pay 5 different platforms

30%
value leakage

Money leaks out at every touchpoint

0
integration

No unified identity or wallet

Without RTMN

  • 15+ separate apps, 15 logins
  • Merchants pay 5 different platforms
  • Rewards trapped in each silo
  • 3-5% FX loss on every transfer
  • No cross-product intelligence

With RTMN

  • 1 login, 1 wallet across 31 products
  • Merchants get 1 dashboard (BizOne)
  • Coins earn anywhere, spend everywhere
  • Google rate FX with Hawil (0% markup)
  • AI learns from every product interaction
The Solution

31 Products. 1 Ecosystem.

Every product serves a real need. Together, they capture the user's entire daily life.

17 User Apps

Consumer-facing (B2C)

Nuqtaنقطة
Super-app — wallet, bills, savings, loyalty, membership
Qistقسط
BNPL — 3-12 months, 0% for Nuqta+
Hawilحوّل
Remittance — Google rate, 0% FX markup
SpinZyسبينزي
Viral gaming — 6 mini-games, earn coins
Wasilواصل
Delivery hub — 24 verticals, 60-min SLA
Dinezyداينزي
Food delivery — restaurants, cloud kitchens
Grocifyغروسيفاي
Grocery delivery — supermarkets, fresh produce
Glowzyغلوزي
Beauty & salon — at-home services
MediEarnميدي إيرن
Pharmacy delivery — prescriptions, health
CleanEZكلين إي زد
Home cleaning — deep clean, laundry
Handyzyهاندي زي
Home repairs — plumbing, electrical, AC
QuickDropكويك دروب
15-min dark store — instant essentials
Safarسفر
Travel — flights, hotels, visa, TravoPay
Rakabركاب
Ride-hailing — 75-80% driver cut
Sakinساكن
Rent BNPL — deposit + rent over 12 months
Ajerأجر
Rental marketplace — cars, equipment, spaces
Fakhirفاخر
Luxury concierge — 24/7 white-glove

14 Business Apps

Merchant & B2B tools

BizOneبزون
Merchant OS — POS, accounting, VAT, payroll, lending, storefront
Adzyأدزي
Advertising — closed-loop campaigns
Amanaأمانة
Compliance OS — 12 regulatory pillars
NextaBizzنكستابز
B2B marketplace — wholesale, supply
Inventoraإنفنتورا
Supply chain — AI inventory, auto-reorder
Rabtulربطُل
Core OS — identity, wallet, rules, events
Khedmaخدمة
Government & PRO — visa, licensing, labor, attestation
Eventoraإيفنتورا
Events & ticketing — concerts, sports
Damanضمان
Insurance — health, car, travel, property
Aqarعقار
Real estate — buy, sell, manage
Tawzeefتوظيف
Recruitment — hiring, talent matching
Tadreebتدريب
Training & certification — skills, courses
Tabibطبيب
Healthcare — telemedicine, booking
Majlisمجلس
Community — groups, events, local
Tamkeenتمكين
Business-in-a-Box — register, operate, comply, grow
The Architecture

3 Layers. 1 Brain.

Every app, every transaction, every coin flows through Rabtul. No exceptions.

L3

TOUCHPOINTS

Where users & merchants interact daily

NuqtaWasilDinezyGrocifySafarRakabSpinZyQistHawilSakinFakhir
L2

PLATFORMS

Business logic & orchestration

BizOneAdzyRTMN FinanceNextaBizzInventoraAmana
L1

RABTUL — THE BRAIN

Single source of truth for the entire ecosystem

Identity & SSOWallet LedgerRule EngineEvent BusAI & AnalyticsFraud & AuditAPI Gateway

Locked Rules — Cannot Be Overridden

No app owns the wallet
Rabtul Wallet Ledger is the only system that touches coin balances
No app owns merchants
BizOne is the single merchant interface for the entire ecosystem
No company bypasses Rabtul
Every transaction flows through Rabtul — zero exceptions
The Flywheel

7 Self-Reinforcing Loops

Each loop feeds the others. The more products a user touches, the faster every loop spins.

Every dirham recirculates — money never leaves the ecosystem

User paysNuqtaPay processesRabtul credits coinsUser spends coinsMerchant earnsCycle repeats

User pays at checkout via NuqtaPay. Rabtul Wallet Ledger credits Nuqta Coins (2-15% based on membership tier). User redeems coins at any of 500+ merchants. Merchant pays platform commission. Commission funds more coin rewards. The money never leaves — it recirculates through the ecosystem, compounding with every transaction.

The Moat

5 Defenses Competitors Can't Replicate

Each moat reinforces the others. Together, they create an impenetrable fortress.

Rabtul Lock-In

Extreme

Single wallet, identity, and rules engine. One login, one balance, one history across 31 products. Switching means losing coins, tier status, credit history, and connections to 500+ merchants.

Shared Fleet Economics

Very High

Rakab + Wasil share one driver fleet across 24 delivery verticals + ride-hailing. 30-40% cost advantage over any single-vertical competitor.

Nuqta Coin Economy

High

Earn coins in any product, spend anywhere. 4 coin types with smart debit priority. 20-35% breakage rate = pure profit. Cross-product liquidity creates a sticky internal economy.

BizOne Merchant Lock-In

Very High

One dashboard replaces POS, CRM, inventory, accounting, VAT, payroll, lending, and storefront. Auto-listed on Wasil. Leaving means rebuilding 10 separate tools and losing access to pre-approved capital.

Hawil as Gateway Drug

High

9.5M expats in UAE alone. Cheapest remittance (Google rate, 0% markup) is an irresistible entry point. Every transfer earns coins that can only be spent inside the ecosystem.

The Numbers

Combined Ecosystem Power

~6B+
AED
Combined GMV (Y3)
~600M+
AED
Revenue (Y3)
8.5M
AED/yr
Rabtul Cost
23x
return
Rabtul ROI
17-42x
across products
LTV:CAC Range
30-40%
vs single-vertical
Fleet Savings
1 → 3.2
products in 6mo
Cross-sell Rate
The Timeline

From Foundation to Dominance

1

Foundation

Q2 – Q3 2026

  • Legal entity setup
  • Licensing & compliance
  • Key partnerships
  • Rabtul infrastructure
  • Core team hiring
2

Pilot

Q4 2026 – Q2 2027

  • Nuqta app launch
  • Qist BNPL live
  • Hawil remittance live
  • Wasil Wave 1 (5 apps)
  • BizOne merchant onboarding
3

Scale

Q3 2027 – Q2 2028

  • All 31 products live
  • GCC expansion (6 countries)
  • Adzy ad network at scale
  • 2.5M+ active users
  • 5,000+ merchants
4

Dominance

Q3 2028+

  • IPO preparation
  • Rabtul PaaS licensing
  • 6B+ AED GMV
  • Regional market leader
  • Self-sustaining flywheel

Dive Deeper

RTMN GroupRTMN HubComplete RoadmapDocumentationEcosystemValue ChainMonetization