Business banking

Orin

A business account open before lunch

An account opened in three hours, with payroll already queued for its second signature

Sector: Business banking
Location: Dubai, UAE
Year: 2025
Kickoff to production: 20 weeks

01Overview

Onboarding, payments and approvals for a business bank whose smallest customers were its least profitable, until the account opened itself.

02The problem

Opening a company account took eleven days, four PDFs and a branch visit, because licence, shareholding and beneficial-owner checks were done by hand. Once open, releasing a payment needed a signature on a scanned form.

Thirty-eight accounts opened today, stopped only where a registry check still needs a person

03What we built

01
The registry does the paperwork
Trade licence, shareholding and beneficial-owner data are pulled from source registries and checked automatically. The applicant confirms rather than types.
02
Approvals that match the mandate
Limits, dual authorisation and delegated authority are configured once and enforced in the app, so a founder in an airport can release payroll safely.
03
Bookkeeping at the source
Receipts attach to the transaction at the moment of spend and export to the accountant on a schedule, which removed the month-end scramble outright.