---
title: "Regulated FinTech Platforms"
description: "Taking a Saudi FinTech from pre-launch to a CMA/SAMA-licensed, live Islamic Sukuk financing and investment platform."
url: https://akemara.com/en/projects/regulated-fintech-platforms/
lang: en
author: "Ahmed K Emara"
date: 2024-01-15
lastmod: 2024-01-15
section: projects
tags: ["FinTech","Compliance","Platform Engineering"]
translations:
  ar: https://akemara.com/ar/projects/payments-platform/
---

# Regulated FinTech Platforms

> Taking a Saudi FinTech from pre-launch to a CMA/SAMA-licensed, live Islamic Sukuk financing and investment platform.

**The problem.** Launching a Saudi FinTech that finances and invests through
Islamic Sukuk means building correct, auditable money flows *and* clearing CMA
and SAMA licensing before you can go live.

**The approach.** As CTO at Tarmeez Capital, I led architecture and delivery end
to end — financing and investment workflows, back-office and compliance systems,
and the controls and evidence needed for regulatory and Big-4 audits — on a
modern stack (Go, React, Flutter, Kafka, PostgreSQL, Kubernetes).

**The impact.** We took the platform from a four-person pre-launch team to 40+
people and a live, CMA/SAMA-licensed Sukuk financing and investment platform,
with the governance and audit trail to keep it compliant.