Instant crypto POS
Stablecoin-powered payments through existing EMV QR codes and POS systems, with no new hardware and minimal development work.
Athar Finance
PayFi rails for stablecoin payments and everyday DeFi.
Athar is a UAE-based fintech and Web3 company building a payments plus DeFi network for PSPs, merchants, individuals, and GCC finance partners.
PayFi networkPOS to DeFi
Existing EMV QR and POS railsStablecoin settlementAI yield toolsCredit and rewards layer
UAEGCC-first fintech focus
AFSPSP partnership announced
Mawaridstablecoin card milestone
ADGMregulatory alignment messaging
What It Builds
A bridge between traditional finance and decentralized finance.
Athar packages stablecoin payments, AI DeFi, lending, credit, rewards, and secure asset management into practical infrastructure for merchants and payment providers.
Universal compatibility
Send, receive, and manage cryptocurrencies across blockchains through a user-friendly crypto finance layer.
AmanAI co-pilot
An AI agent for processing large volumes of DeFi data and identifying yield opportunities with risk management.
Lending and cards
Crypto-backed loans, credit-card concepts, stablecoin-powered card partnerships, rewards, and cashback mechanics.
Merchant Flow
Existing payment infrastructure becomes a crypto on-ramp.
Connect PSP or merchant
Athar targets payment service providers and merchants that already operate POS or EMV QR payment systems.
Accept stablecoins
Customers can pay with crypto or stablecoins while merchants avoid new hardware and heavy integration costs.
Settle and reward
The network can support low-cost settlement, rewards, cashback, and value-generating payment flows.
Layer DeFi services
Users and partners can connect payments to AI-driven yield, lending, credit, and secure asset management.
Product Suite
More than payments: a consumer finance stack.
Athar’s ecosystem is positioned around practical digital finance, not speculation: payments, legacy, AI tools, credit, and rewards.
Smart Safe
AI plus human oversight for secure multi-blockchain crypto asset management and risk reduction.
AmanAI
AI DeFi co-pilot at amanai.app, designed to scan data and surface yield opportunities with risk controls.
Time Guardian
Digital legacy pillar for encrypted capsules, private keys, documents, media, contracts, and programmable transfers.
Rewards and cashback
Transaction rewards, stablecoin incentives, and merchant-value mechanics designed to make POS rails productive.
Technology
Ternoa infrastructure underneath practical finance surfaces.
Athar is described as a decentralized consumer finance protocol introduced through Ternoa, with emphasis on EVM compatibility, stablecoins, AI, multi-chain support, and TEE-backed security.
zkEVM foundation
Ternoa provides blockchain infrastructure optimized for payments and consumer finance use cases using validity proofs.
Payment settlement
The network focuses on stablecoin payment rails for real-world commerce and lower-friction merchant adoption.
Yield intelligence
AmanAI and Smart Safe messaging centers on automated data processing, risk awareness, and better DeFi decisions.
Security features
TEE-powered elements appear across the wider Time Guardian and Ternoa security story.
Universal crypto support
Athar aims to let users manage assets across chains rather than being locked into one network.
ADGM and GCC alignment
Promotional material emphasizes regulatory awareness, regional finance partnerships, and compliance-friendly rails.
Leadership
Banking experience meets Web3 infrastructure.
The team combines decades of traditional finance operating experience with deep blockchain infrastructure work.
Amira Soliman, Founder & CEO
25+ years in retail banking, credit cards, investments, digitalization, CRM, scoring systems, and M&A integration. Former roles include Citibank, FAB, Credit Agricole, and co-founder/CRO at Jingle Pay.
Mickael Canu, Co-Founder & Advisor
Serial tech entrepreneur and Founder & CEO of Ternoa, bringing blockchain, payments, consumer finance, zkEVM, and infrastructure expertise into the Athar stack.
Mohamed Abdelbari, COO
15+ years in banking and fintech, including operations leadership at Jingle Pay and roles at Deem Finance and First Abu Dhabi Bank.
Clément Levet, Head of Product
15+ years across web and product design in Web2 and Web3, shaping product experience and execution.
Partnerships and Milestones
Strategic GCC finance relationships move the story beyond a concept.
Arab Financial Services
AFS partnership announced February 24, 2025, pairing a leading MEA PSP and fintech enabler with Ternoa and Athar to pioneer stablecoin payments at POS across the GCC.
Mawarid Finance
Highlighted in May 2026 around stablecoin-powered card progress and Shariah-compliant or halal finance alignment through traditional finance rails.
Ternoa integration
Ternoa is foundational to the technology and co-founder overlap, supporting the decentralized consumer finance protocol narrative.
Regional network
Investor and advisor engagement includes high-profile UAE technology and finance figures, signaling serious regional connectivity.
Events
Active presence around Crypto Expo Dubai, Mawarid Fintech, AIM Congress, Elevather Summit, and related Web3 finance events.
Recognition
Amira Soliman won the “Innovator in Digital Asset to Watch” award at the Web3 & Digital Assets Markets Awards 2025.
Market Positioning
Everyday crypto finance for PSPs, merchants, and users.
The wedge is practical: let payment providers and merchants accept stablecoins quickly, then connect that flow to DeFi value, credit, security, and rewards.
Audience
Need
Athar layer
Outcome
PSPs
Crypto acceptance without new hardware
POS and EMV QR compatibility
Stablecoin payments can go live with less integration friction.
Merchants
Lower-cost digital payment rails
Rewards, settlement, cashback mechanics
Existing checkout can become a value-generating channel.
Individuals
Control, yield, lending, and secure assets
AmanAI, Smart Safe, credit, Time Guardian
Users get practical DeFi access without handling every protocol manually.
Finance partners
Compliant regional innovation
ADGM messaging, GCC partnerships, card rails
TradFi institutions can test Web3 utility through known operating models.
Social and Resources
Active, early-stage, and partnership-led.
Websiteatharfinance.com is the main Athar Finance destination.
SocialX/Twitter @AtharFinance, Instagram @atharfinance, LinkedIn company activity, and Amira Soliman’s personal thought leadership.
Related appstime-guardian.app for digital legacy and amanai.app for the AI DeFi co-pilot.
StageEarly-stage company with strategic partnerships and high-profile relationships rather than widely publicized large funding rounds.
Official Resources
Explore the Athar network.
The PayFi, stablecoin, and regional compliance space evolves quickly, so official sources are the right place for latest launch status and partner updates.