Wizz Financial, the Abu Dhabi-based global fintech group specializing in cross-border payments and digital wallets, in partnership with Aditum Investment Management Limited, announced the launch of MENA and India’s first gold-backed private credit strategy, fully regulated under India’s RBI framework and available via UAE-based FIs.
The strategy offers investors access to a short-duration, asset-backed private credit product “designed to deliver income through a structure that combines RBI-regulated lending and UAE-based governance.”
Initially distributed via UAE banks, the strategy strengthens the UAE’s and, in particular, Abu Dhabi’s position “as a global hub for real-asset-backed investment.”
Anchored in India’s [$80 billion] gold-loan ecosystem, one of the world’s largest organised gold-credit markets, the product is “secured by physical gold collateral.”
Loans are issued by Wizz Financial’s RBI-regulated non-banking financial company (NBFC) and governed by “oversight, daily mark-to-market valuation and conservative loan-to-value limits.”
This framework delivers downside protection, “with diversified exposure to thousands of underlying microloans.”
Wizz Financial’s growth is underpinned by its founding co-shareholder, Abu Dhabi Capital Group, an institutional investor “operating at the intersection of sovereign and family capital.”
Under the guidance of Abubaker Al Khoori, Wizz Financial continues to advance Abu Dhabi’s vision of becoming “a global fintech powerhouse through technology, regulation and cross-border connectivity.”
The launch marks an expansion in private credit investment options across the UAE and India, “combining yield, stability and transparency.”
With regulatory frameworks, physical collateral, and diversified exposures, the strategy introduces a “benchmark for private credit in emerging and established markets.”
As noted in the update, Wizz Financial is a fintech that is operating across key economic corridors that “serve 4.3 billion people – representing more than 77% of remittance flows.”
Headquartered in the UAE and India, the Group holds “50+ licenses worldwide and delivers AI-powered payments and lending solutions in high-growth markets.”
As mentioned in the announcement, Abu Dhabi Capital Group is one of MENA‘s private institutional investment groups, “managing a portfolio of over 100 companies across 25 countries and 20 sectors, including Capital Markets, Private Equity, Real Estate, Healthcare, Education, and Technology.”
As stated in a release, Aditum Investment Management Limited is an asset management firm based in the Dubai International Financial Centre (DIFC) and regulated “by the Dubai Financial Services Authority (DFSA) with its wholly owned subsidiary, Aditum Capital, based in Riyadh and licensed by the CMA.”
The Aditum Group manages more than $9.6 billion in assets, “as of 30 September 2025, across asset classes, providing GCC investors with access to investment solutions across conventional and Shari’a-compliant strategies.”
Founded in 2018, the Aditum Group is reportedly committed to long-term value creation for institutional and professional clients.