Launching soon in the UAE

Split expenses.
Send money.
Settle instantly.

Zentle is the modern finance app for friends, families, and roommates — track shared expenses, split bills fairly, and know exactly who owes what. Built for the UAE, secured like a bank.

No spam. One email when we launch — nothing else.

south Try the live split calculator below
lockEncrypted in transit & at rest shield_lockedBank-grade session security flagBuilt & based in the UAE visibility_offWe never see your bank credentials

The idea, in one shape

A closed loop is a settled balance.

Drag it — every settlement on Zentle closes a loop just like this one.

Our story

This started in a shared bedspace, not a boardroom

Our founder lives in a shared bedspace in the UAE — rent, DEWA, water, gas, groceries, and trips split between roommates every month, tracked in a physical log book. Every month-end turned into a hectic reconciliation of who owed who, with amounts regularly missed or forgotten.

The breaking point came when a group of friends in another bedspace paid two months of shared meal money upfront to a new caterer — who vanished in the third month, untraceable. Zentle exists because financial trust is scarce where people live paycheck to paycheck, and nobody should have to find that out the hard way.

Founder

MN

Mohammed Nebin

Founder

6 years experienced full-stack developer and entrepreneur. Built Zentle after living the exact problem it solves — splitting shared expenses and settling up in a UAE bedspace.

Why now

The UAE already built the payment rail. We're building what sits on top of it.

Zentle isn't trying to convince the UAE to go digital with money — that shift already happened at national scale.

bolt

0M

Registered users on Aani, the UAE's instant-payment platform, as of April 2026

trending_up

$0B → $0B

UAE fintech market size, 2026 forecast to 2031 — an 11.6% CAGR

public

0%

of the UAE's population are expats — Zentle's exact audience of shared households

Sources: Gulf News / Gulf Business reporting on Al Etihad Payments (Aani), April 2026 · Mordor Intelligence, "Fintech in UAE Market Report"

Try it yourself

Watch a split happen in real time

No sign-up, no download — drag the sliders and see exactly how Zentle divides a shared bill.

AED 200
4 people

Each person owes

AED 50.00

Just a demo — no account needed

Everything in one place

Money, made mutual

From splitting last night's dinner to tracking a whole trip's budget — Zentle keeps every group and every dirham accounted for.

groups

Group expense splitting

Create a group for a trip, home, or team — add expenses once, split evenly or by custom shares, automatically.

receipt_long

Smart expense tracking

Scan a receipt or log it manually. Categorized automatically, searchable forever.

sync_alt

Settle up with clarity

See exactly who owes who, log cash payments, or confirm a transfer — every settlement tracked to zero balance.

payments

Instant AED transfers

Send and request money in seconds, built for the UAE's next-generation payment rails. Coming soon.

calendar_month

Installment plans

Break a big shared cost into equal monthly installments, with due dates and reminders built in.

notifications_active

Real-time notifications

Know the moment someone adds an expense, pays you back, or invites you to a group.

Under the hood

Four ways to settle up

Every group is different — Zentle gives you four distinct ways to close out a balance, from a quick nudge to bank-grade proof.

campaign

Request money

Send a payment request to anyone in the group. They see it instantly and pay when they're ready — no money moves until they do.

edit_note

Log a cash payment

Paid someone in cash? Log it privately — your own ledger stays accurate, no confirmation needed from the other side.

Core feature
verified

Verified cash confirmation

Submit a cash payment and the other person confirms or rejects it. Two-sided proof — the foundation your trust score is built on.

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Pay via Aani (coming soon)

Real bank-to-bank transfer over the UAE's instant-payment network — built end-to-end, switching on the moment we're licensed.

See it in action

Real screens, real numbers

No mockups — this is the actual Zentle app, running on real data.

Zentle sign-in screen
Sign in
Zentle rewards screen showing points balance and history
Rewards
Zentle trust score screen
Trust score
Zentle installment plans screen
Installment plans
Zentle investment portfolio screen
Investments

swipe scroll to see more

Security first

Your money stays yours to see

Zentle is built on a security-first architecture from day one — every session, every request, every record is protected. We designed Zentle to earn trust, not assume it.

  • encrypted

    Encrypted everywhere

    Data encrypted in transit and at rest, always.

  • vpn_key

    Secure session tokens

    Short-lived, revocable authentication — no passwords lingering on your device.

  • block

    We never touch your bank login

    Zentle never stores or requests your bank credentials or card numbers.

Zentle

Zentle Vault

TLS 1.3 in transit check_circle
Encrypted at rest check_circle
JWT-secured sessions check_circle
No stored card/bank credentials check_circle

Play with it

62 out of 100
military_tech Bronze
military_tech Silver
military_tech Gold
On-time: 3 Late: 1

A live demo of the mechanic — your real score lives in the app.

No catch

Free to split. Free to settle. Forever.

Expense tracking and every settlement rail stay free — that's the daily habit that makes Zentle useful, and we won't gate it. We earn from optional extras layered on top, never from the core loop.

workspace_premium

Zentle Plus (optional)

A future paid tier for power users — deeper analytics, unlimited export, priority support. Core splitting is never part of it.

redeem

Rewards partnerships

Brand partners pay a commission when users redeem points earned simply by settling up on time.

percent

EMI facilitation fee

A small facilitation fee when a shared cost is broken into installments — the borrower's split, never a hidden fee on settling up.

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Instant transfers (future)

Once licensed for the UAE's Aani instant-payment rail, a small per-transfer facilitation fee.

Where we're headed

The road to launch — and beyond

No vague "coming soon." Here's the actual plan, quarter by quarter.

Q3 2026 · Now

Public launch in the UAE

Core split, track, and settle — live for everyone.

Q4 2026

Regulatory licensing underway

DIFC Innovation Testing Licence process begins.

Q1 2027

Aani sandbox testing

Instant bank-to-bank transfers enter the DIFC Living Lab sandbox.

Q2 2027

Zentle Plus + first rewards partners

The optional subscription tier goes live, alongside our first brand partnerships.

Simple by design

Up and running in a minute

A AED 37.50 B AED 37.50 C AED 37.50 D AED 37.50

One receipt, split four ways, settled in one tap.

1

Create a group

Add roommates, travel buddies, or family — as many groups as you need.

2

Log an expense

Snap a receipt or add it manually. Zentle splits it fairly, automatically.

3

Settle up

See real-time balances and settle with a tap — no spreadsheets, no awkward math.

Questions

Frequently asked

When does Zentle launch? expand_more

We're finishing up final testing now. Join the waitlist above and you'll be the first to know the moment Zentle is live in the UAE.

Is Zentle free to use? expand_more

Core expense-splitting and tracking will be free. We'll share pricing for any premium features closer to launch.

How does Zentle make money if it's free? expand_more

Through optional extras layered on top of the free core — see how we make money above. Splitting and settling never get gated.

Is my financial data safe with Zentle? expand_more

Yes. All data is encrypted in transit and at rest, sessions are secured with short-lived tokens, and we never store your bank login or card details.

Which platforms will Zentle support? expand_more

iOS and Android at launch, built natively for a fast, smooth experience on both.

No more "who owes who?"

Just know.

Zentle Zentle · Split. Track. Settle.

Be first through the door

Join the waitlist and get early access the moment Zentle launches in the UAE.