the home-grown fintech startup built around how people actually use money today, has received final approval from the Central Bank of Egypt (CBE) to launch its application and card in the Egyptian market, marking the arrival of a new wave of fintech that is more user-centric, digitally driven, and experience-focused.
This approval represents a major milestone for Kiwe and reflects the continued evolution of Egypt’s fintech sector toward more innovative and customer-oriented financial solutions.
The platform has been developed in partnership with Banque Misr, VISA, Meeza, and ModuPay (formerly MDP), combining global payment technologies with trusted local banking infrastructure to ensure a secure and seamless user experience.
A new approach to how people use money
Kiwe differentiates itself by focusing on the social dimension of money. The platform recognizes that money is not only spent individually but also shared, moved, and experienced collectively.
It introduces Egypt’s first social money features, enabling users to manage their finances in a more collaborative and intuitive way.
Whether it is personal spending, planning group trips, organizing events, or contributing to shared goals, Kiwe aims to remove friction from everyday financial interactions.
Smart financial tools and real-time control
Beyond its social features, Kiwe offers a comprehensive set of financial management tools.
Users can make instant, free transfers, track their spending in real time, and gain clearer insights into their financial behavior.
Designed with financial literacy in mind, the platform empowers users to set limits, monitor habits, and make more informed financial decisions, enhancing overall financial control and awareness.
Strong institutional backing
Kiwe is supported by a strong group of leading financial and investment institutions, including EFG Hermes, Valu, Cairo Capital, Dfin Holding, Marakez Group, and EFG EV.
This backing reflects strong confidence in the platform’s governance, vision, and long-term growth potential.
Leadership perspective
Omar Kamel, Co-Founder of Kiwe, said:
“Receiving final approval from the Central Bank of Egypt is a defining milestone for Kiwe. From the beginning, our goal has been to rethink how people experience money—to make it simpler, more relevant, transparent, and social.
With the launch of our app and card, we are offering users a platform that helps them manage, share, and understand their money in a more natural and empowering way. We are excited about what 2026 holds, not only for Kiwe but for the future of fintech in Egypt.”
Founded in 2021 with a new vision for money
Kiwe was founded in 2021 by Mohamed Khalifa, Fatma Khalifa, and Omar Kamel, with a simple but powerful idea: money should reflect how people live today.
That idea has since evolved into a fully licensed financial platform designed to reshape how Egyptians move, manage, and share money in their daily lives.
Looking ahead
With its final CBE approval secured, Kiwe is preparing for a major 2026 launch in Egypt.
The company plans to introduce additional financial products that will further simplify money management while strengthening the connection between users and their financial lives.
This marks a significant step forward for Egypt’s fintech ecosystem and highlights the growing role of digital financial innovation in shaping the future of payments and personal finance in the region.
