← Embedded Finance Index 2026

Flooss

“Can a CBB- and SAMA-licensed Sharia-compliant instant financing platform become the embedded Islamic consumer finance layer across GCC merchant checkouts?”

Founded2021
HQSeef, Bahrain
IndustryFintech / Lending
The story

Founded in 2021 in Bahrain, Flooss launched as a CBB-licensed Sharia-compliant instant digital financing app focused on the Bahraini consumer market, differentiating via speed and paperwork-free processes. The company partnered with BENEFIT (Bahrain's national payments network) to enable seamless disbursements. By 2026, Flooss expanded regionally into Saudi Arabia under a separate licensed entity regulated by SAMA, and struck a partnership with global payments infrastructure provider Optty to embed its financing at GCC merchant checkouts — positioning itself as an embedded Islamic BNPL/consumer finance layer for the GCC.

Last 12 months
2026-03
Product timeline
2021
Founded in Bahrain as a Sharia-compliant instant digital financing app, licensed by the Central Bank of Bahrain (CBB) and partnering with BENEFIT payment network.· lending
2026
Payments infrastructure provider Optty partners with Flooss to embed Sharia-compliant financing directly into GCC checkouts.· lending
2026
Expanded to Saudi Arabia as Al-An Al-Khaligia for Consumer Microfinance (FLOOSS), regulated by SAMA, offering digital Shariah-compliant consumer microfinancing.· banking
Regulated entities
2
regulatory licences held by Flooss
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Flooss’s embedded-finance stack
Money movement
ACH
Lending
in the full report
Accounting gap: none
2 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.