The Sarrafy product suite.
Nine products built for the real jobs inside a CBUAE-licensed money exchange house. Take a single product alongside your existing core, or run the all-in-one platform with one tenant, one identity chain and one audit trail. Every product ships with its own role-specialised AI copilot.
Sarrafy CRM
Customer 360, onboarding & service
Individual and corporate customer 360 — KYC onboarding, beneficiaries, segmentation, HNI handling and a CBUAE-SLA service desk.
- Individual + corporate KYC onboarding with approval queue
- Customer 360 — transactions, documents, beneficiaries, risk
- HNI classification & relationship-manager assignment
- Complaints & service desk with CBUAE SLA timers
Cheque Management
CTS, cash-against-cheque & collateral
A first-class cheque lifecycle — cash-against-cheque, post-dated collateral, CTS clearing, custodian trail and bounce tracking.
- Cash-against-cheque & post-dated collateral handling
- CTS clearing lifecycle: Collected → Deposited → Cleared/Returned
- Custodian trail with separation of duties (collector ≠ depositor)
- Branch cheque register & bounce / return analytics
Sarrafy HRMS
People, payroll, WPS & Emiratisation
Exchange-house-native HR — attendance, leave, WPS payroll, certifications (MLRO/CO expiry) and Emiratisation tracking, MOHRE-compliant.
- Employees, attendance & leave (Federal Decree-Law 33/2021)
- WPS payroll runs & SIF generation
- Certification expiry tracking (MLRO / Compliance Officer)
- Emiratisation rate & MOHRE quarterly filing export
Compliance (AML/CFT)
Screening, monitoring & goAML
The compliance core — UN/OFAC/EU/UK/CBUAE sanctions screening, transaction monitoring, STR drafting and native goAML 4.x filing.
- Multi-list sanctions & PEP screening at onboarding and per-transaction
- Risk-based transaction monitoring with typology rules
- STR/SAR drafting with drafter ≠ submitter separation
- Native goAML 4.x XML generation & filing
Risk Management
ISO 31000 / COSO register & KRIs
Enterprise risk register aligned to ISO 31000, COSO ERM and CBUAE Operational Risk Standards — controls, treatments and live KRI breach alerts.
- Universal risk catalogue across 13 categories
- Inherent vs residual rating with control effectiveness
- Treatments, owners and review cadence
- KRI thresholds with breach alerting
MIS & Reporting
Analytics & regulatory reporting
Management information at every level — branch, corridor, retention and corporate B2B analytics, plus inspector-grade CBUAE/FTA reporting.
- Branch, corridor, customer-retention & corporate B2B dashboards
- Daily transaction summary & value-of-mode reporting
- CBUAE / FTA regulatory report generation
- Board-ready exports & supervisory readiness packs
Sarrafy Sales
Leads, pipeline & corporate B2B
Win and grow corporate accounts — lead capture, pipeline stages, WPS-to-remittance conversion tracking and corporate KPI dashboards.
- Lead capture & qualification for corporate accounts
- Pipeline stages with owner & next-action tracking
- WPS-to-remittance conversion funnel analytics
- Corporate growth, volume & trade-licence pipeline KPIs
Procurement Management
Vendors, RFQs, POs & approvals
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.
- Purchase requests & RFQ comparison with award trail
- Vendor onboarding, KYC/risk screening & scorecards
- Purchase orders, receipts & three-way matching
- Budget-aware, multi-level spend approvals
Sarrafy WPS
Salary disbursement · dual portal
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.
- Employer self-service portal — CSV upload or in-portal salary entry
- SIF generation & batch state machine (Draft → Submitted → Validated → Approved → Processed)
- Built-in validation: IBAN, salary range, duplicates, thresholds
- WPS-to-remittance conversion tracking & SLA monitoring
Sarrafy Platform
All nine products, unified
The all-in-one platform — 22 modules under one tenant, one auth chain and one audit chain, plus the bilingual customer portal. No swivel-chair between vendors.
Standalone or bundled · deployed on UAE-sovereign cloud · configurable per tenant.
See the suite running on your exchange-house data.
Book a guided walkthrough of any product — or the all-in-one platform — mapped to your branches, corridors and CBUAE reporting.