The financial operating system for Saudi Arabia's banks and fintechs

WealthOS Pulse

Saudi Financial Stack Analyzer

A fast, hands-on assessment of a customer's existing financial stack: banking connections, reconciliation workflow, FX exposure, and ZATCA compliance gaps, delivered as a scoped, paid pilot.

• ●Financial stack audit across banking, ERP, and compliance touchpoints
• ●Gap analysis against ZATCA e-invoicing and reconciliation requirements
• ●A prioritized roadmap the customer can act on immediately

WealthOS Connect

Saudi Financial Connectivity Platform

Assessment findings become a standing platform: the recommendations from Stage 1, running continuously, connected to the systems they were written about. WealthOS Reconcile is the first product built on it.

• ●Ongoing connectivity across the accounts and systems mapped in the assessment
• ●Ongoing gap answers to earn a subscription, not a one-off
• ●Pricing that scales with integration count and account size

WealthOS Reconcile

VAT Reconciliation & Recovery Engine

The VAT reconciliation, refund and compliance work already delivered as a service today, turned into a system: built first to run that delivery, then sold directly to any finance or tax team that needs the same thing done.

• ●Automated reconciliation across GL/ERP, sales & AR, purchase & AP, and e-invoicing data
• ●The six-stage refund recovery pipeline, from Assess to Close
• ●Compliance calendar, issue tracking, and audit-ready evidence packs

WealthOS Clearance

Customs Clearance Reconciliation & Landed-Cost Engine

Every customs clearance pack, cross-checked to the cent: Bayan declarations, bills of lading, and broker, freight, and port invoices reconciled against each other automatically, with the true landed cost and duty-exemption evidence chain assembled behind every shipment.

• ●Ingests a full clearance pack, scanned pages included, with no templates or per-issuer setup
• ●Deterministic, line-level arithmetic checks across every document instead of AI-guessed extraction
• ●True landed cost and a machine-verifiable evidence chain for every duty exemption claimed

WealthOS Chat

AI-Powered Business Platform for Saudi SMEs

An AI-powered business platform for Saudi SMEs that manages sales, invoices, inventory, customers, payments and operations, directly through WhatsApp. No separate app to install and no dashboard to learn: the business runs from the same conversation thread the owner and staff already use every day.

• ●Sales, invoicing, inventory and customer records managed entirely through WhatsApp conversations
• ●Payments and day-to-day operations tracked and actioned from the same thread, backed by an AI engine
• ●Built on an open-source ERP core, so nothing the business relies on sits behind a closed, proprietary system

Velra

Cross-Border Riyal Wallet for Pakistan ⇄ Saudi Arabia

A consumer wallet for Pakistanis living in, working in, or traveling to Saudi Arabia: load Saudi riyals from a Pakistani bank account and spend them across the Kingdom by NFC tap, a co-badged physical card, or cardless cash-out, without carrying cash or absorbing repeat FX conversion.

• ●NFC-based tap-to-pay directly from the app, wherever Mada, Visa, or Mastercard NFC is accepted
• ●A co-badged physical card for travelers without an NFC phone, or merchants that still need a swipe or chip
• ●Cardless cash-out through a partner agent network, for the last mile a card or phone can’t reach

Issued and moved through regulated partners on both sides of the corridor, on the same account connectivity, payment initiation, and FX infrastructure as every other WealthOS product.

WealthOS Sentinel

SAMA & NCA-Aligned Cybersecurity for Regulated Fintechs

Managed detection and response, continuously updated compliance evidence, and SAMA FEER-aligned penetration testing for institutions handling regulated financial and health data — built for teams that can’t staff a 24/7 SOC or run their own red team.

• ●24/7 in-Kingdom monitoring, threat hunting, and incident response, mapped to NCA ECC-2 and SAMA CSF
• ●A living compliance control register — evidence, owners, and review dates — instead of a yearly PDF assessment
• ●Continuous, SAMA FEER-aligned penetration testing across web, API, and mobile surfaces, with a findings register instead of a one-off report

The same coverage a bank or insurer expects, sized for a fintech that’s SAMA-regulated but not SAMA-sized.

WealthOS Sovereign AI

In-Kingdom AI Infrastructure for Claims, Fraud, and Underwriting Decisions

The AI layer behind claims verification, fraud detection, and underwriting decisions, hosted and run entirely inside the Kingdom — every model call, prompt, and output logged and reviewable, instead of routed through a foreign hyperscaler’s general-purpose API.

• ●In-Kingdom hosted LLMs and ML models for document extraction, claims verification, and fraud scoring
• ●Every model decision logged with its reasoning and confidence score, reviewable by compliance and audit teams
• ●Continuous AI red-teaming of the same models — prompt injection, data leakage, and jailbreak testing — before a real adversary finds the gap

Sovereign by construction: runs on the same account connectivity and data infrastructure as every other WealthOS product, not retrofitted onto a foreign cloud AI API.

WealthOS Rails

Saudi Fintech Infrastructure

The connectivity platform becomes the rails: payments, treasury, and compliance infrastructure for every institution it already sits inside.

• ●Payment initiation
• ●Account connectivity
• ●Payment routing
• ●Reconciliation
• ●FX
• ●Treasury
• ●ZATCA integrations
• ●Financing marketplace

At this point, WealthOS is a fintech infrastructure company, not a pilot project.

WealthOS Bridge

Open Banking Infrastructure for Licensed Institutions

Account information and payment initiation infrastructure, aligned to SAMA's Open Banking framework, for any bank, fintech or payment institution already licensed in Saudi Arabia. WealthOS Bridge is the API layer underneath WealthOS Rails, the same connectivity and payment rails other WealthOS products already run on, offered directly to licensed institutions that need open banking infrastructure without building it themselves.

• ●Account information (AISP) APIs
• ●Payment initiation (PISP) APIs
• ●Consent and authorization management
• ●Sandbox environment for integration testing
• ●Built to align with SAMA’s Open Banking framework
• ●A multi-institution API gateway, not a single-bank integration

Sold to licensed institutions, not their end customers: the same rails other WealthOS products already run on.