AI · Fintech · Blockchain · Islamic finance
Building intelligent financial infrastructure.
Kafo AI is a technology venture that pairs market knowledge with dedicated AI and fintech R&D. We build products in AI risk intelligence, personal finance, blockchain credit and Islamic digital finance.
What is Kafo AI?
Kafo AI is a fintech and AI venture that builds intelligent financial infrastructure. Its portfolio of seven products serves banks, fintechs and consumers, in Arabic and English.
- Focus
- AI, fintech, blockchain, Islamic finance
- Languages
- Arabic, English
- Products
- OmniRisk, AI Wealth, RayaChain, Circul, Islamic Crypto Lending, QardX Instant, LastTable
Market
Market knowledge, business development and partner access
R&D
AI engineering, research and fintech product development
Portfolio
Seven AI and fintech products
Our products in action
Screens from our working products, using demo or public data.
The portfolio
Seven AI and fintech products
OmniRisk
Multi-chain digital-asset risk analytics with explainable scoring.
AI Wealth
Expenses, budgets, savings goals and holdings in one clear view.
RayaChain
Verifiable credit intelligence recorded on blockchain.
Circul
An Arabic-first digital Jam’iya for contributions and payout rotations.
Islamic Crypto Lending
Research into Sharia-compliant models for digital-asset financing.
QardX Instant
Infrastructure for embedding financial services in applications.
LastTable
Fills empty tables, brings in new diners and drives growth automatically for UAE restaurants.
See all seven productsOne platform, seven products
Shared AI, data and blockchain foundations reduce the cost of each new product.
Arabic-first by design
Native Arabic products and Islamic finance research for a market that is underserved.
Evidence over hype
Every public claim is checked against working code. Stages are reported as they are.
Latest insights
RayaChain: The Truth Layer Digital RWA Needs
Tokenised assets now span many chains, but the truth behind them (KYC, NAV, sanctions, custody) does not. The four truths every digital RWA needs.
The Internet of Value, Explained for Everyone
The internet moves messages instantly but not value. A plain-English guide to the Internet of Value and why crypto solved only half of it.
RayaChain vs XRP: Internet of Value Compared
XRP is a production settlement rail; RayaChain is an early-stage cross-chain risk layer. A structural comparison of two complementary approaches.