Bokra Relaunches App to Revolutionise Sharia-Compliant Digital Finance in MENA

Malaz Madani

Last updated 8-09-2025

4 min

Bokra relaunches as the first Sharia-compliant digital savings and investment platform in MENA.

The platform boasts over 45,000 users, including 2,000 new sukuk investors.

Founder Ayman El-Sawy aims to democratise digital savings access with financial technology innovations.

The app now features AI-driven capabilities, improving user experience and financial inclusion.

Regulatory approval allows for seamless digital operations, supporting Egypt's push toward digitisation.

Bokra is shaking things up again as the first Sharia-compliant digital savings and investment platform in the MENA region, announcing a strategic relaunch of its mobile app. The update isn’t just window dressing – the revamped platform comes with a raft of new features, targeting both individuals and businesses eager to save and invest securely in a way that aligns with Islamic principles. Everything is digital from start to finish, and I have to say, that’s a breath of fresh air for anyone tired of queues and paperwork.

What jumps out is Bokra’s reach: more than 45,000 customers are already on board, including over 2,000 who’ve made their very first foray into sukuk investments through the platform. That’s no small feet. It tells me there’s an appetite in the region for alternatives that blend ethical finance with tech-enabled convenience. There’s a sense that Bokra has hit the nail on the head for a lot of people looking for something beyond the usual bank offerings.

Ayman El-Sawy, Bokra’s founder and CEO, has been quite clear about the company’s mission: “democratize access to asset-backed digital savings” by harnessing financial technology, in his own words, making it safe, transparent, and above all, Sharia-compliant. El-Sawy reckons the surge in new users and direct participation in sukuk offerings reflects a genuine need in Egypt and the region more broadly. And you know what? I reckon he’s right. In my own chats with founders here at Arageek, the topic of financial inclusion comes up time and again.

The app itself has been overhauled with an eye on user experience – AI-driven capabilities now help tailor the journey for savers and investors. El-Sawy highlighted that this is about delivering smoother, safer, and more personalised services. There’s a commitment, he says, to ongoing innovation, boosting financial inclusion, and supporting both individuals and businesses to meet their goals. It’s not about flashy features for the sake of it, but practicality – and honestly, I’m not a fan of apps that are a bit of a faff to use.

One thing that sets Bokra apart is its groundwork in real assets. From digital revenue-based financing options for businesses, to strict Sharia compliance, the company doesn’t just talk the talk – they’ve secured regulatory approval from Egypt’s Financial Regulatory Authority (FRA). That was pivotal, not least because it means Egyptian customers can open accounts, sign up, and even execute contracts electronically, without stepping a foot outside their front door.

The nuts and bolts of digital operations are there too, with end-to-end e-contracting, electronic KYC, and meticulous digital recordkeeping now part of Bokra’s service mix. For anyone following Egypt’s push towards a more inclusive, tech-driven economy, it’s clear Bokra is slotting in spot on with national goals around digitisation and sustainable growth.

If you’re new to the idea, Bokra’s “Goal-Achiever” approach connects users’ financial targets with investments in things like sukuk, real estate, and even precious metals – but all with a Sharia-compliant, asset-backed structure. That’s a detail that makes a real difference, especially in a region that prizes ethical finance. Regulated, innovative, and transparant (to use their own word), Bokra is quietly reshaping what wealth management can look like for a new generation.

And while the fintech world is full of bold claims, actual results speak the loudest. Bokra isn’t just shifting numbers around a screen – it’s giving thousands their first chance to invest according to their values. At Arageek, we see firsthand the energy and drive startups like this bring to the MENA region, and frankly, it’s chuffed to bits to see something so grounded making waves.

In the end, Bokra’s relaunch isn’t just another app update – it’s a real signal of how digital, Sharia-compliant finance is becoming a mainstay, where trust and transparency aren’t just taglines, but everyday realities. And believe it or not, the queue for digital savings just got a little bit longer.

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