Customer and merchant completing a modern purchase
Born in Abu Dhabi · The AI Commerce Operating System

Commerce
should not
end at checkout.

One purchase can help a buyer save more, a business settle faster, build real Reward, and carry its context into a smarter next transaction.

ADGM Abu Dhabi foundationUAE launch marketMENA scale ambition
LIVE COMMERCE · ABU DHABI
AED 247
3 items · VAT included
Buyer verified · best checkout route suggested
COMMERCE COMPLETION ✦
Buyer → saves + earnsBusiness → settles + learns
The behavioural change

Stop paying an amount.
Complete the commerce.

The old payment journey remembers only AED 247, nothing else. KanzPay keeps the invoice, buyer, checkout value, Reward, and business outcome connected.

PAYMENT ONLY
247
Seller enters amount
POS requests payment
Buyer taps card
PAIDContext disappears.
SAME PURCHASE
KANZPAY COMMERCE
INVOICE · 3 ITEMSAED 247
Seller sharesBuyer verifiesAI optimises valueCheckout
COMMERCE COMPLETION · ✦ REWARD
BUYER KEEPSSavings · points · Gold · expense memoryBUSINESS KEEPSSettlement · customer · intelligence · next action
Product readiness · buyer experience

This is not a concept deck.
The product is taking shape.

These three screens come from KanzPay's real buyer designs, with AI savings, bank and card choice, loyalty, memberships, split payment, Gold, and post purchase earnings all in one checkout.

KanzPay's buyer designs, shown exactly as they exist today.

10:01●●●

Zara, Al Zayed

YOU'LL PAYAED 399You save AED 100
AI Savings AppliedAED 100
Credit / Debit CardEarn 0.22 mg Gold
Dubai Islamic BankRecommended
Split Payment
10:01●●●

AI Powered Savings

Zara Points (1000)AED 10
100 Points · Applied ✓
AMZ30AED 30
30% Discount · Applied ✓
FAZZA Membership30% off
Membership available inside checkout
10:01●●●
Review your cart
Fresh Juice ×1AED 18
Organic Snacks ×2AED 34
Household ×1AED 26
Total · VAT includedAED 78
Complete Commerce →
Best checkout route suggested
Buyer verified · optimising value
Commerce Complete
Payment successful
+0.18 mg Gold
Reward earned on this order
Gold Balance2.14 mg
Loyalty Points120
Expense recordedDining · AED 78
For buyers

Your checkout should
work harder for you.

KanzPay quietly fixes the small losses in everyday payments, unused points, forgotten memberships, missed rewards, untracked expenses, and split bill friction.

How should I pay this purchase?KanzPay quietly compares your options, so you always see the better value.
AI recommends →
Review the cart Check every detail before paying
Get Gold Gold Rewards on every order
Use your points Seller loyalty, no extra app needed
Split with friends Split shares, pay and earn Gold
Understand spend Track spending with useful insights
Scan & Go · a visible operational win

Pick it. Scan it.
Pay it. Take it.

With Scan & Go, the customer's phone let them scan, review, pay and leave, while intelligence quietly gives sellers more visibility with less cashier pressure.

Less cashier dependencyFaster buyer journeyVisible itemised cartMore throughputCommerce intelligence Self Service
Customer shopping in a modern grocery environment
SCAN & GO · LIVE CART

3 products recognised

Fresh Juice ×1AED 18Organic Snacks ×2AED 34Household ×1AED 26
REVIEW → COMPLETE COMMERCE
For Business Entities

Every sale should create
cash flow + intelligence.

KanzPay connects everyday commerce to real outcomes, instant A2A settlement, a business's own Reward programme, automatic repeat customer recognition, and product level insight to guide next steps.

Instant settlement where A2A supports itSeller-created reward pointsCustomer memoryProduct/category intelligenceRemote checkoutK-Tag acceptance
Good Morning, RashidStarbucks · Abu Dhabi
BUSINESS OVERVIEW
Total Orders50
Total SalesAED 4,250
Eligible A2A commerceInstant settlement →
Repeat customers38%
Top categoryLunch
Next actionReward-led return
YOUR INVOICE → YOUR REWARD POINTSConfigure seller loyalty →
K-ACE · invisible commerce activation

A store can go digital
without a catalogue project.

Menu, PDF, ERP screen or invoice enters. K-ACE understands the products, prepares the commerce surface and lets the seller approve before publication.

Capture → understand → approve → publish.
Seconds to start, rather than a separate digital-transformation project.

SOURCEMenu · PDF · ERPExisting seller information
K-ACEUNDERSTANDS
RESULTStore readySeller approves → publish
Why the opportunity is large

Where there is commerce,
there can be KANZPAY.

KanzPay is not built for one type of business.
Restaurant, Grocery, Jewellery, Fashion, Travel, or SMEs, they all start with something being sold, not money changing hands.

Cards today. A2A and Open Finance expanding.
One commerce layer across changing rails.

RestaurantRestaurant
RetailRetail
ProductsProducts
JewelleryJewellery
TravelTravel
SMEsSMEs
The compounding model

The second purchase should
know the first.

Every Commerce Completion can make the next interaction richer: the buyer is recognised, the seller understands more, the right Reward can surface and payment value can be optimised again.

Higher repeat probabilityRicher intelligenceBetter merchant economics
PURCHASE 01AED 247
KANZPAY LEARNSWhat · when · value
BETTER NEXT ACTIONRelevant return
PURCHASE 02Recognised + smarter
KANZPAY
COMMERCE MEMORY
Execution heritage

The product is new.
The operating experience is not.

The founding group combines prior mass-market fintech execution with international digital-product engineering. The evidence shown here is independent prior operating and engineering heritage — not KANZPAY traction, licences or partnerships.

Fintech operators + global product builders.

OXY Technologies Limited brings the operating discipline behind KANZPAY from Abu Dhabi.

About OXY Technologies →
170M+transactions · prior Oxymoney operating heritage
10M+unique customers · prior operating heritage
100+corporate customers · prior operating heritage
300+digital product launches · broader engineering heritage
Trust from day one

Abu Dhabi foundation.
Accountable commerce.

OXY governs the technology. KANZPAY orchestrates commerce. Appropriately licensed providers perform regulated payment and financial activities.


OXY TRUST
ADGM foundationCorporate governance base
Identity evidenceIdentity & onboarding integrity
Commerce integrityVisible, connected commerce
Security controlsAccess · encryption · QA
Audit & monitoringEvidence & oversight
Licensed railsRegulated partner responsibility
Abu Dhabi → MENA → World

Payments move money.
KANZPAY continues commerce.

Start with one checkout. Let the buyer save and earn more. Let the business settle, understand and grow more. Then let every completed relationship improve the next one.

AED 247
purchase → relationship → intelligence