E-Commerce Marketplaces
Multi-vendor marketplaces routing payments between buyers, sellers, and platforms.
Embedded finance · Saudi Arabia
The embedded finance platform for Saudi digital platforms.
Payment orchestration today. Lending, wallets, BNPL, cards and escrow on the roadmap — all through one API.
The opportunity
Saudi platforms are leaving financial revenue on the table.
SAR 79 billion in annual GMV flows through Saudi digital platforms. The financial services layered on top — payouts, lending, BNPL, wallets, escrow — are still absent, manual, or fragmented.
SAR 79B+
Annual GMV across Saudi digital platforms
6
Verticals served, from e-commerce to gig
1
API to integrate the SAVI suite
100%
Saudi-licensed partners, in-Kingdom data
E-Commerce
Food Delivery
Automotive
Real Estate
B2B Wholesale
Gig Economy
How SAVI works
One integration. Every financial product your platform will ever need.
SAVI is the infrastructure layer that connects Saudi digital platforms to licensed financial partners — through a single API.
The Three-Layer Model
LAYER 1 — YOUR PLATFORM
You integrate once. You access everything.
A single API connection gives your platform access to SAVI's payments today and the wider embedded finance suite tomorrow.
LAYER 2 — THE SAVI PLATFORM
SAVI handles orchestration, compliance, and operations.
Onboarding, routing, fund splitting, payouts, reconciliation — every financial operation runs through one infrastructure.
LAYER 3 — LICENSED PARTNERS
Your licensed banking layer — without the bank overhead.
A network of Saudi-licensed banks and PSPs sits behind SAVI. They hold the licenses. SAVI holds the integration.
Partner BankPartner PSPCard Network
Embedded Finance Products
Live today: payment orchestration. More coming.
SAVI's suite is modular. One product is live; the rest sit on a defined roadmap, delivered through the same API integration.
AVAILABLE NOW · PHASE 1
Payment Orchestration
The financial operating system for marketplaces and multi-party platforms.
SAVI handles every financial operation that begins after a payment is accepted: splitting funds, holding balances, routing money to sellers, automating payouts, and closing reconciliation — the financial backend any platform needs the moment it starts moving money between more than two parties.
Use cases
- E-commerce marketplaces routing funds to multiple sellers per order
- Food delivery splitting between restaurant, rider, and platform commission
- B2B wholesale managing supplier payouts and net-terms settlement
- Gig platforms running same-day worker payouts
Why it matters
Every Saudi platform handling multi-party payments builds this in-house or stitches it together. SAVI delivers it as a single, configurable, API-driven layer.
On the roadmap
The rest of the suite — sequenced, not speculative.
Year 2
Escrow-as-a-Service
API-first conditional fund holding for high-value transactions in real estate, automotive, and B2B.
Year 3
Embedded Lending
Revenue-based merchant financing underwritten on your platform's transaction data.
Year 3
BNPL & Instalments
Native instalment options at checkout, delivered through SAMA-licensed consumer finance partners.
Year 3
Digital Wallets
Platform-branded wallets for consumers, merchants, sellers, and gig workers.
Year 3
Card Issuing
Virtual and physical mada-network cards issued under your platform's brand.
From payment orchestration to a full embedded finance platform.
Year 1
Foundation
- • Payment Orchestration GA
- • Anchor platform onboarding
- • SAMA partner alignment
Year 2
Expansion
- • Escrow-as-a-Service
Year 3
Scale
- • Embedded Lending
- • BNPL & Instalments
- • Digital Wallets
- • Card Issuing
Roadmap products are delivered through SAVI's licensed financial partner network under applicable SAMA frameworks. Timelines are indicative.
Who we serve
Any Saudi platform that moves money between multiple parties.
Food Delivery Platforms
Three-sided economics — restaurant, rider, platform — running on per-order splits.
Automotive Platforms
High-value vehicle transactions that need conditional fund holding to complete digitally.
Real Estate Platforms
Conditional escrow and structured disbursement that turn listings into completable transactions.
B2B Wholesale
Supplier-to-retailer commerce with digital rails replacing cash collection and next-day settlement.
Gig Economy Platforms
Same-day payouts, wallets, and cards — turning platforms into workers' primary financial home.
Why SAVI
An embedded finance platform built for Saudi platforms, not adapted to them.
01
Built for Saudi, not adapted to Saudi
Engineered around Saudi rails (mada, SARIE, SADAD, ZATCA), Saudi compliance (SAMA PSPR, PDPL, in-Kingdom residency), and Saudi banking partners.
02
API-first, modular, composable
Every SAVI product is delivered through the same API surface. Activate payments today; add wallets, escrow, BNPL, lending, or cards later — no re-integration.
03
We carry the compliance, you keep the brand
Regulated activity flows through SAVI's licensed partner network. Your platform inherits the infrastructure without taking on the licensing burden.
Regulatory & compliance
Compliance is a product feature, not your problem to solve.
SAVI is built around the Saudi regulatory perimeter — SAMA, PDPL, in-Kingdom data residency, PCI-DSS — so your platform inherits a compliant financial layer.
SAMA-ALIGNED
Payment processing and settlement structured to SAMA's PSPR and Open Banking guidelines.
IN-KINGDOM DATA
All customer and transaction data stored and processed in-Kingdom on AWS me-central-1.
PDPL & PCI-DSS
Encryption at rest and in transit, least-privilege access, continuous monitoring — baseline, not premium.
SAUDIZATION
Saudi-majority team commitment tracked from day one, in line with Vision 2030 targets.
About us
Building the financial infrastructure Saudi Arabia's digital economy deserves.
Our mission
Saudi Arabia has world-class consumer payment infrastructure. SAVI is building the platform layer above it — embedded finance infrastructure that lets Saudi digital marketplaces and SMB platforms offer financial services as a native part of their product. We are not adapting a global product for Saudi Arabia. We are building natively.
Leadership
HA
Hassan Alamri
Founder & CEO
Saudi fintech operator with deep experience across payments, banking partnerships, and platform infrastructure. Founded SAVI to build the embedded finance layer Saudi platforms have asked for.
Based in Riyadh, Saudi Arabia.
Now hiring
Founding team — Engineering, Compliance, Partnerships
Senior Saudi operators joining SAVI's founding team. Reach out via Get Started.
Get started
The window to build Saudi Arabia's embedded finance infrastructure is open now.
It will narrow.