دراهم هو تطبيق مالي يربط بالحسابات البنكية لتتبع المصاريف وتخطيط الميزانية الشخصية. يوفر التطبيق خدمات استثمارية عبر محافظ مدارة وصناديق متنوعة، مع إمكانية السحب في أي وقت. كما يقدم حلولاً لإدارة السيولة للشركات عبر منصة دراهم أعمال.
Funding
Funding not disclosed
Founders
Product
Problem
Many individuals find it challenging to manage their finances effectively due to a lack of automated tools that provide personalized insights and investment options tailored to their specific needs and adherence to Islamic finance principles. Traditional investment platforms often lack integration with users' existing bank accounts, making it difficult to gain a holistic view of their financial situation and investment opportunities.
Solution
Drahim is a fintech application that addresses these challenges by connecting directly to users' bank accounts through open banking APIs, providing a comprehensive view of their financial transactions and spending habits. The platform's AI engine analyzes this data to generate personalized financial reports and suggest tailored, low-risk, Sharia-compliant investment portfolios. Users can create investment accounts and automate their investments directly within the app, with returns being automatically reinvested. Drahim aims to simplify the investment process and promote financial growth while adhering to Islamic finance principles.
Target Audience
Drahim primarily targets individuals in Saudi Arabia seeking Sharia-compliant, automated investment solutions and personalized financial insights to improve their financial well-being.
Features
- Direct bank account linking via open banking APIs for transaction analysis
- AI-powered personalized financial reports, including spending analysis and upcoming bill tracking
- Robo-advisor functionality that suggests tailored, low-risk, Sharia-compliant investment portfolios
- Automated investment management with automatic reinvestment of returns
- Access to diverse Sharia-compliant investment funds, including equity, real estate, and Sukuk options
- Integration with local banks for seamless and secure transactions
- "As-Sumlah" feature enabling automated recurring investments via linked bank cards
- Zakat calculation and purification features to ensure Sharia compliance
- Drahim Plus subscription offering benefits such as zero fees on investments up to 90,000 SAR, external portfolio tracking, and advanced financial reporting