Money Protects Capital Limited: Company Profile

Background

Company Overview

Money Protects Capital Limited, established in 2021, is a pioneering financial technology firm headquartered in the Dubai International Financial Centre (DIFC), United Arab Emirates. The company is under the patronage and partnership of His Highness Sheikh Zayed bin Saeed bin Zayed Al Nahyan, reflecting its strong ties within the UAE's financial ecosystem.

Mission and Vision

Money Protects is committed to fostering sustainability and instilling long-term confidence within the financial services sector. Its mission is to reduce the UAE's Non-Performing Loans (NPL) impairments by AED 20 billion over the next 3-5 years. The company's vision extends beyond short-term goals, focusing on supporting economic growth and stability through innovative financial solutions.

Industry Significance

Operating within the financial technology and open banking sectors, Money Protects addresses critical challenges in the UAE's banking system, particularly the rising NPL ratio, which increased from 6.5% in 2019 to 7.9% in 2021. By targeting a significant portion of the real estate NPL market, the company aims to reshape the financial landscape and support sustainable growth in the UAE and beyond.

Key Strategic Focus

Core Objectives

Reduction of NPLs: Aiming to decrease the UAE's NPL impairments by AED 20 billion within 3-5 years.

Financial Inclusion: Enhancing access to complex financial products for a diverse consumer base, including individuals and corporates.

Sustainable Growth: Promoting economic stability through innovative financial solutions.

Areas of Specialization

Mortgage Loan Restructuring: Offering solutions to alleviate financial stress for consumers.

Equity Release: Enabling consumers to generate multiple income streams from their assets.

Wealth Management: Providing investment advisory services to foster financial growth.

Key Technologies Utilized

Open Banking Platforms: Facilitating secure data sharing between financial institutions and third-party providers.

Decentralized Finance (DeFi): Leveraging blockchain technology to offer transparent and efficient financial services.

Primary Markets Targeted

Real Estate Sector: Addressing NPLs within the real estate market, valued at AED 432 billion, with a 7.4% annual growth.

Consumer Market: Providing financial solutions to individuals seeking stability and growth.

Financials and Funding

Funding History

As of November 2025, specific details regarding the total funds raised and recent funding rounds for Money Protects are not publicly disclosed. The company has not announced any notable investors or the intended utilization of capital.

Pipeline Development

Key Pipeline Candidates

EMI Sleeping Period: A mortgage loan restructuring solution offering an extended EMI-free period (11 months to 5 years) to alleviate financial stress for consumers.

Fixed EMI for Life: A concept aiming to stabilize the loan's interest/profit rate, filling a void often overlooked by conventional financial institutions for consumers below USD 50 million.

Double Rental: An equity release concept enabling consumers to generate multiple income streams, thereby enhancing financial security.

Stages of Development

All three products are in the development phase, with plans for market introduction in the near future. Specific timelines for anticipated milestones have not been publicly disclosed.

Technological Platform and Innovation

Proprietary Technologies

Decentralized Finance Model: Registered as a "Work of Science" under the title “Decentralized Finance Model for Debt Restructuring, Long Term Credit, and Equity Release” in the European IP Depository.

Significant Scientific Methods

Financial Algorithms: Utilizing advanced algorithms to assess and restructure debt, providing tailored solutions for consumers.

Blockchain Technology: Implementing blockchain for transparent and secure financial transactions.

Leadership Team

Key Executives

His Highness Sheikh Zayed bin Saeed bin Zayed Al Nahyan: Group Chairman. As the son of the late His Highness Sheikh Saeed bin Zayed Al Nahyan, he brings visionary leadership grounded in trust and transparency.

Mirza Ashraf Beg: Founder & CEO. A financial technology leader and serial entrepreneur with over 22 years of experience in the banking and financial industry across the UAE, Saudi Arabia, and India. He has been instrumental in leading financial innovation tech and climate tech initiatives.

Farooq Ali: Founder Partner. A serial entrepreneur and major stakeholder in various companies, including Seguro Group and Ecoway Group. His portfolio includes investments and VC/PE strategies covering wealth management, insurance, and real estate brokerages.

Market Overview and Competitor Insights

The UAE's banking system assets grew by 4.2% in 2021, reaching AED 3.3 trillion. The NPL ratio rose from 6.5% in 2019 to 7.9% in 2021. Despite this, the banking system's provision coverage improved, with the specific provision coverage ratio reaching 60.0% of non-performing assets, and the total provision coverage ratio at 86.6%. The banking system's exposure to the real estate sector, constituting about 24.7% of total loans, equates to AED 432 billion, showing a 7.4% annual growth.

Money Protects operates within the financial technology and open banking sectors, addressing challenges such as NPLs and financial inclusion. While specific competitors are not publicly disclosed, the company aims to differentiate itself through its innovative product offerings and strategic focus on the UAE market.

Strategic Collaborations and Partnerships

Money Protects has established partnerships with over 15 banks and more than 50 brokers and financial intermediaries globally. These collaborations strengthen its market position and innovation capacity, enabling the company to offer comprehensive financial solutions.

Operational Environment

Operating within the DIFC, Money Protects benefits from a robust regulatory framework and access to a diverse financial ecosystem. The company's strategic focus on innovative financial solutions positions it to address significant market needs, particularly in reducing NPLs and enhancing financial inclusion.