Saudi Financial Infrastructure
The financial operating system for Saudi Arabia's banks and fintechs
WealthOS starts with a 5-day assessment of a customer's existing financial stack, and grows into the connectivity and payments infrastructure that sits underneath it.
The Problem
Every Saudi financial institution runs on a stack no one has fully mapped
Fragmented systems
Banking, ERP, and compliance tools that were never designed to talk to each other.
Manual reconciliation
Finance teams closing the books by hand, every month, across every account.
Compliance catching up
ZATCA e-invoicing and reporting requirements bolted on after the fact, not built in.
No single picture
No one in the business can answer, today, exactly where money and data actually flow.
The Products
Three products, from a paid pilot to fintech infrastructure
Each product is funded by the one before it: the assessment pays for itself, the platform pays for the infrastructure build.
See the full product line →WealthOS Pulse
Saudi Financial Stack Analyzer
A fast, hands-on assessment of a customer's existing financial stack — banking connections, reconciliation workflow, FX exposure, and ZATCA compliance gaps — delivered as a scoped, paid pilot.
- ●Financial stack audit across banking, ERP, and compliance touchpoints
- ●Gap analysis against ZATCA e-invoicing and reconciliation requirements
- ●A prioritized roadmap the customer can act on immediately
WealthOS Connect
Saudi Financial Connectivity Platform
Assessment findings become a standing platform: the recommendations from Stage 1, running continuously, connected to the systems they were written about. WealthOS Reconcile is the first product built on it — a VAT reconciliation and recovery engine, sold both to the team delivering that work and to any company that needs it done.
- ●Ongoing connectivity across the accounts and systems mapped in the assessment
- ●Ongoing gap answers to earn a subscription, not a one-off
- ●Pricing that scales with integration count and account size
WealthOS Rails
Saudi Fintech Infrastructure
The connectivity platform becomes the rails: payments, treasury, and compliance infrastructure for every institution it already sits inside.
- ●Payment initiation
- ●Account connectivity
- ●Payment routing
- ●Reconciliation
- ●FX
- ●Treasury
- ●ZATCA integrations
- ●Financing marketplace
At this point, WealthOS is a fintech infrastructure company, not a pilot project.
The Moment
Built for Money20/20 Middle East, Riyadh
Money20/20 Middle East returns to Riyadh from 14–16 September 2026 at RECC, hosted by the Financial Sector Development Program, SAMA, the Capital Market Authority and the Insurance Authority, and co-organised by Tahaluf and Fintech Saudi — the single largest gathering of Saudi and regional fintech decision-makers in one place, all year.
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Book a WealthOS Pulse assessment
A scoped, paid engagement to map your financial stack and hand you a prioritized roadmap — delivered in five working days.
Book a 30-minute call