Halan: Egypt's FinTech Super App Leads the Way in Digital Financial Inclusion

Halan, also known as MNT‑Halan, is an Egyptian FinTech platform founded in 2017–2018. Its main goal is to completely change how people access financial services, especially for those who haven't been served well by traditional banks. Through one integrated digital platform, Halan combines payments, lending, consumer finance, investment, and e-commerce. It's truly a comprehensive “Super App” for finance, allowing users to manage their money, get financing, and make purchases and payments all in one fully digital experience.

Technological Developments and Digital Products

1. Launch of an Integrated Financial Super App
Halan has launched a complete app that offers a single place to make payments and transfers, manage accounts, invest, access financing and loan offers, and shop through e-commerce platforms. It even comes with the Halan Card for flexible payments and financing. This app shows a full shift from relying on cash to a completely digital experience.

2. Fully Digital Financing Products
In 2025, Halan introduced Egypt's very first fully digital secured lending service. This amazing service lets users access credit limits of up to 80% of their investments, all without needing to visit a branch or fill out any paperwork. It offers competitive interest rates and grace periods of up to 45 days with no fees, which really helps users with their cash flow while still growing their investments.

3. Advanced Technologies Powered by Data and AI
Halan uses Neuron, its core banking system, to handle lending operations, credit scoring, payments, and risk analysis. The platform also uses smart data analytics to personalize financing offers, improve how it assesses risk, and reduce the chances of defaults. This really puts Halan at the forefront of modern FinTech platforms.

Regional Expansion and New Services

1. Entry into the UAE Market
Halan started operating in the United Arab Emirates in late 2024, launching its Halan Advance product for salary-linked financing, specifically targeting those who are unbanked. The company's expansion also includes credit services, payments, and digital investment products, all with a strong focus on digital financial inclusion.

2. Strategic Partnerships in the Region
Halan has strengthened its presence in the Gulf by partnering with companies like Saudi-based Lean Technologies. This collaboration aims to expand digital credit services using Open Banking, making financial services more accessible and improving how efficiently operations run.

Growth, Recognition, and Funding

• Halan is proud to be the first Egyptian FinTech unicorn, supported by huge funding rounds from both global and regional investors since 2021.

• The company has used smart financing tools, like issuing $71 million in secured bonds, to help grow its lending portfolios.

• Its services now reach over 8 million customers across Egypt, Turkey, Pakistan, and the UAE, with exciting plans to expand into even more new markets.