Our Story
Built on conviction,
not compromise.
99 App is building a new kind of money experience: one where convenience, ethics, and clarity finally coexist.
Our Story
Every day, money moves. It gets lent out, reinvested, and funnelled into industries that the very people who deposited it would never stand behind. Gambling, arms, alcohol, exploitation: your capital can end up funding the things you stand against, and most of the time, you would never even know.
We started 99 App because we lived that reality ourselves. We saw how the financial system quietly moves money towards harm, and how no one was offering a genuine alternative: a place where your money stays aligned with your values, ringfenced with someone you trust, someone who would never stand by injustice even if it meant sacrifices on margins.
For the ethically awake, those who see reality as it is and understand how money flows towards harm, we are offering the chance to tilt the scale and bring justice. For Muslims, that means keeping your money with someone who aligns with Islam and holds its values for what they truly are, from A to Z, with no interest hidden under different labels or dressed in a different mask.
We are not building a financial product. We are building frameworks that solve real problems: project oversight, charity automations, AI powered budgeting, Zakat calculators that make life easier, and money management like no one before. Our Umra framework exists to solve the things you have thought of but others are too focused on profits to care about.
99 App is a tailored system for those who truly care: one that does not compromise, only optimises. We will outperform for the user, and we will live long enough to prove it.
Purpose
To keep people's money away from harm and give them the safety that their capital is held by someone they trust.
Finance should adapt to people, not the other way around. We will never stand by injustice even if it means sacrifices on margins.
What Makes Us Different
A cleaner financial structure
Zero Interest
A structure built without riba, enabling financial tools aligned with ethical and spiritual principles.
Ethical Flow of Funds
Your money will never support harmful sectors such as weapons, gambling, tobacco, alcohol, or adult entertainment.
Transparent Money Movement
No hidden conversions, no silent FX fees, no complicated structures.
Spending Accounts
Hold, spend, and move currencies globally without complexity or friction.
Zakat & Charity
Instant Zakat calculation, contribution, and tracking. Certified charities with real impact.
Project Oversight
Audited projects that you could directly contribute to, overseen to completion by 99 team.
Leadership
Abdalla Lotfy
CEO & Founder
Driven by the belief that finance should empower people, not divert their values, Abdalla founded 99 App to build a platform that merges modern global convenience with ethical and spiritual clarity.
Mohamed Muthalif
Deputy CTO
Built financial infrastructure at Barclays and JPMorgan. As Deputy CTO, Mohamed owns the platform's reliability and the engineering practices behind every release - the layer between architecture and shipped product that most fintechs underestimate.
Shahid Rahman
Chief Risk Officer / MLRO
Former Vice President at Barclays and Chief Risk Officer at PayAlly. Shahid owns the regulatory frameworks, financial crime controls, and institutional risk strategy that let 99 App operate with bank-grade integrity from day one.
Because no one should have to choose between modern finance and meaning.
Your money. Your values. One aligned flow.