The institutional software suite that runs a UAE exchange house.
Nine products — CRM, Cheque Management, HRMS, WPS, Compliance, Risk, MIS, Sales & Procurement — engineered around the CBUAE rulebook, each with its own AI copilot.
FlagshipSarrafy One — the all-in-one exchange-house OS→Exchange houses operate on stacks built for a previous decade.
The customer-facing apps have raced ahead. The back office hasn't. The gap is now a compliance liability, a margin leak, and a hiring tax — and it gets worse every quarter.
Stacks of disconnected systems
Legacy core + sanctions tool + Excel sidecars + 4 fintech integrations. Each one its own audit trail.
STR cycle time in weeks
Manual narrative writing, cross-system evidence gathering, mailed approvals. CBUAE wants it in hours.
Drowning in false positives
Old fixed-rule screening engines flood analysts. The signal-to-noise ratio is unworkable at scale.
No unified customer 360
Customer onboards in branch, transacts on the app, complains via the call center. Each system sees one slice.
Branch P&L lags by a week
Real-time visibility costs another bolt-on. Most operators just live with stale reports and gut feel.
Integration tax compounds quarterly
Every new partner — Visa, Mastercard, a new payout rail — needs 6+ months and a fresh data pipeline.
Sarrafy One — the all-in-one exchange-house OS.
Every product, unified into a single operating system: 22 modules, the bilingual customer portal, one identity and one audit chain. The complete, premium way to run a CBUAE-licensed exchange house — white-labelled in each buyer's own colours.
- All 9 products included
- 22 modules · one audit chain
- 13 role-specialised AI copilots
- Bilingual EN / AR customer portal
- Per-tenant white-label theming
- UAE-sovereign cloud
See the operating system, not a brochure.
A verification-gated achievement engine, live FX, and deep analytics — in the same “private-bank” surface your team works in every day. This is the real dashboard.
- Remittance46%
- FCY28%
- WPS14%
- HNI12%
Illustrative dashboard · figures and FX rates are sample data.
A WPS portal your clients run themselves.
Corporate clients submit and approve their salary batches from their phone — no spreadsheets emailed back and forth, no documents dropped at a branch, no chasing the service provider. Your team picks each batch up in the operator console, validates the file, and files to MOHRE — all on one audit chain.
- Submitted
- Validated
- Approved
- Processed
- File to MOHREAcme Trading LLC248 employees · AED 1.84M
- Awaiting fileGulf Logistics96 employees · AED 0.52M
- Filed to MOHREMarina Hospitality312 employees · AED 2.10M
Illustrative — sample data across both interfaces.
Or take exactly what you need.
Adopt a single product alongside your existing core — each is built for a real job inside a CBUAE-licensed money exchange house, and ships with its own role-specialised AI copilot.
Sarrafy CRM
Individual and corporate customer 360 — KYC onboarding, beneficiaries, segmentation, HNI handling and a CBUAE-SLA service desk.
Cheque Management
A first-class cheque lifecycle — cash-against-cheque, post-dated collateral, CTS clearing, custodian trail and bounce tracking.
Sarrafy HRMS
Exchange-house-native HR — attendance, leave, WPS payroll, certifications (MLRO/CO expiry) and Emiratisation tracking, MOHRE-compliant.
Compliance (AML/CFT)
The compliance core — UN/OFAC/EU/UK/CBUAE sanctions screening, transaction monitoring, STR drafting and native goAML 4.x filing.
Risk Management
Enterprise risk register aligned to ISO 31000, COSO ERM and CBUAE Operational Risk Standards — controls, treatments and live KRI breach alerts.
MIS & Reporting
Management information at every level — branch, corridor, retention and corporate B2B analytics, plus inspector-grade CBUAE/FTA reporting.
Sarrafy Sales
Win and grow corporate accounts — lead capture, pipeline stages, WPS-to-remittance conversion tracking and corporate KPI dashboards.
Procurement Management
Run sourcing end-to-end — purchase requests, RFQs, vendor onboarding with risk screening, purchase orders and multi-level approvals, tied into the same audit chain.
Sarrafy WPS
A complete UAE Wages Protection System solution with a dual portal — corporates submit and track salary files in self-service, while your branch validates, approves and processes SIF batches end-to-end.
And more on the way
New products are built into the same tenant, identity chain and audit chain — the suite keeps growing without adding another vendor to manage.
Tell us what you needBuilt for what UAE exchange houses actually do.
Sarrafy is the operating system that runs an exchange house. 22 modules. 110+ surfaces. A teller logs in to it in the morning, an MLRO files an STR from it in the evening, a CFO opens it for the day's P&L, and a CEO checks it on a Saturday. Every workflow is designed around the CBUAE rulebook first, not bolted on after.
Every interaction the branch runs
Not a generic customer table — the full lifecycle a teller and RM actually live in.
- Customers — KYC, Onboarding queue, HNI Classification (auto + RM override), Vulnerable Customer programme, PDPL subject rights
- Transactions — 5 tx types (Outward, Inward, FCY, WPS, Service), 4-eyes margin approval, AED-only settlement, bi-directional payout amount
- Cheques — CTS-ready capture, full lifecycle (Collected → Deposited → Cleared / Returned), branch register with custodian trail
- Cards — Multi-currency issuance, branch inventory custody, lifecycle (block / replace), network-file reconciliation
13 Compliance sub-modules
The MLRO console an inspector would actually open. Evidence built in, not bolted on.
- KYC Queue · STR Cases · Sanctions screening (with reference book) · PDPL Subject Rights · CBUAE LNO register
- Audit Chain — SHA-256 anchored, tamper-evident, queryable per record
- Customs Declarations · Supervisory Readiness Pack (one-click evidence PDF) · Vulnerable Customer registry
- Onboarding Queue · Customer Edit Approvals · Transaction Approvals · Alerts inbox
The back-office, finally in one place
Cash, treasury, payroll and HR — the work that today lives in 11 spreadsheets.
- Cash Management — 11 sub-modules: Tills, Movements, Inventory, Orders, CIT, SCV, EOD Count, Reports, Variance Investigations, Petty Cash
- Treasury — FX Deals, Settlements, Nostros, Partners, Banks
- WPS — 6 sub-modules including state-machine batch tracking (DRAFT → SUBMITTED → VALIDATED → APPROVED → PROCESSED)
- HR — Emiratisation tracker (Federal Decree-Law 14/2024), Payroll, MOHRE quarterly export, certification expiry (MLRO / CO)
Every UAE regulation integrated from source — CBUAE, FTA, MOHRE, PDPL, Federal Decree-Law 14/2024 (Nafis), Consumer Protection Regulation.
Built in the UAE, for the UAE rulebook.
Regulator-sourced
CBUAE, FTA, MOHRE and PDPL requirements built in from source — not bolted on after the fact.
Role-specialised AI
A dedicated copilot for every role — Teller, MLRO, HR, CFO and more — with scoped tools and UAE citations.
One audit chain
Every product on one tenant, one identity and one immutable audit chain. No swivel-chair between vendors.
Every CBUAE obligation, encoded in the platform.
Compliance is not a tab. It's the schema. Every record, every state transition, every export passes through the obligations below — so when CBUAE arrives for an inspection, the evidence pack is already assembled.
Federal Decree-Law No. 6 of 2025
Article 61 licensed activities and Article 62 technology-facilitator extension encoded in the tenant + license model from day one.
CBUAE AML/CFT/CPF Guidance (April 2026)
Risk-based, real-time, data-driven. Every workflow built around this principle — not retrofitted.
goAML 4.x native
Native XML report generation matching the FIU's exact schema. STRs filed in one click from the case view.
Targeted Financial Sanctions
Real-time screening against UN, OFAC, EU, UK and CBUAE local lists, refreshed on a regular cadence.
UAE Personal Data Protection Law
Consent tracking, data-subject rights, breach-notification workflow — built in, not bolted on.
UAE-sovereign cloud
Default deployment in AWS me-central-1 (Dubai) or G42 / Core42. Field-level encryption with per-tenant KMS keys.
Designed to connect to your rails — and the regulator's.
Sarrafy is API-first and built to integrate with the standards and rails UAE exchange houses rely on.
Every transaction leaves an evidence trail.
From the moment a transaction is booked to the day CBUAE asks for it, each step is captured on one immutable chain. Follow the path.
Transaction
Step 1 of 5A teller books an outward remittance or FCY deal. The mid-market rate is locked live, the AED-settled amount and margin are computed on the spot, and the record is stamped to a customer and a branch from the first keystroke.
Priced to the shape of your deployment.
Take a single product, bundle a few, or run the whole platform as Sarrafy One. Pricing is scoped to your footprint — let's talk through what fits.
Single product
Adopt one product alongside your existing core
- Any one of the nine products
- Its role-specialised AI copilot
- UAE-sovereign hosting
- API-first — runs beside your core
Sarrafy One
The all-in-one exchange-house OS
- All nine products, unified
- 22 modules · one audit chain
- 13 role-specialised AI copilots
- Bilingual EN / AR customer portal
- Per-tenant white-label theming
Suite
Choose several products together
- A bundle of the products you need
- One tenant, one identity, one audit chain
- Each with its own AI copilot
- Grow into the full platform over time
Every option includes unlimited users, multi-list sanctions screening (UN · OFAC · EU · UK · CBUAE), goAML 4.x export and UAE-sovereign hosting.
Common questions.
Don't see yours? Ask in the demo form — we'll answer in writing before the meeting.
See Sarrafy on your corridors, your branches.
30 minutes. Founder-led. We pre-configure the demo for your license type, corridor mix, and branch network — so you see your business inside Sarrafy, not a generic walkthrough.