The platform

One platform: bank, learn, invest and access capital markets.

HAWWA brings everyday banking, financial education, investing and capital-markets access into one connected financial experience — helping users move from transactions to savings, from savings to investment, and from investment to long-term ownership.

01

Bank

Digital accounts, cards, payments, P2P transfers, FX, savings tools and SME finance workflows — built around the way people and businesses actually move money every day.

02

Learn

HAWWA Academy turns financial education into a core product feature — helping young people understand money, markets, risk, investing, credit and business finance.

03

Invest

Stocks, ETFs, FX, Sharia-compliant investment products, funds, alternative investments and curated market access — bringing global investing closer to underserved customers.

04

Capital Markets

Issuance, custody, securitisation and institutional capital access — infrastructure designed to help local originators, SMEs and emerging-market investors connect to deeper pools of capital.

HAWWA is being built around a more ambitious customer journey: from financial access, to financial confidence, to participation in capital markets
HAWWA is coming soon
Bank. Learn. Invest. Own.

Redesigning how people bank, save, invest and learn about finance.

HAWWA is working to bring genuine capital formation, investment mobilization and youth financial empowerment to the Muslim world.

We are building a regulated financial platform that connects everyday banking, savings, SME finance, education and investment access — so users can move from transactions to ownership.

Scale of unmet demand
2bn+ Muslims globally — young, identity-led and underserved by mainstream finance.
c. 47%+ Of the world’s unbanked are Muslim, disproportionately excluded from formal finance.
c. 44%+ Prefer Sharia-compliant finance, with demand not fully met by conventional banks.
< c. 10% Save formally in some banked markets, showing the gap between access and real financial ownership.
$3–4tn Estimated SME financing gap, heavily concentrated in Muslim-majority economies.
c. 32%+ Of SMEs in MENA remain unbanked due to lack of Sharia-compliant products.
$6–7.5tn Projected Islamic finance assets by 2028, while retail and cross-border access remain fragmented.
2,000+ Banks across MENA and Central Asia, with limited investment rails for global capital allocation.
2bn+ Muslims globally — young, identity-led and underserved by mainstream finance.
c. 47%+ Of the world’s unbanked are Muslim, disproportionately excluded from formal finance.
c. 44%+ Prefer Sharia-compliant finance, with demand not fully met by conventional banks.
< c. 10% Save formally in some banked markets, showing the gap between access and real financial ownership.
$3–4tn Estimated SME financing gap, heavily concentrated in Muslim-majority economies.
c. 32%+ Of SMEs in MENA remain unbanked due to lack of Sharia-compliant products.
$6–7.5tn Projected Islamic finance assets by 2028, while retail and cross-border access remain fragmented.
2,000+ Banks across MENA and Central Asia, with limited investment rails for global capital allocation.
HAWWA is being built for a generation that needs more than another payments app: it needs a trusted path from income to savings, from savings to investment, and from financial literacy to ownership.
HAWWA — from Hawwa, حواء the Arabic form of Eve: a name rooted in life, vitality and creation — the mother of humanity, and a symbol of renewal.
HAWWA — from Hawwa, حواء the Arabic form of Eve: a name rooted in life, vitality and creation — the mother of humanity, and a symbol of renewal.
HAWWA — from Hawwa, حواء the Arabic form of Eve: a name rooted in life, vitality and creation — the mother of humanity, and a symbol of renewal.
HAWWA — from Hawwa, حواء the Arabic form of Eve: a name rooted in life, vitality and creation — the mother of humanity, and a symbol of renewal.
Get in touch

Let’s discuss how HAWWA can work with you.

Speak with us about partnerships, investment, product collaboration or HAWWA’s banking, Academy and capital-markets rails.

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HAWWA · Bank. Learn. Invest. Own.
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One Platform. Many Markets. A billion people waiting.