With AED 3 billion in annualized salary flows, the UAE fintech is looking to turn its growing account base into a broader financial services business. 

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Huru has signed agreements with Paymentology and Bitpanda Enterprise to expand its services beyond salary payments. The Emirati-owned fintech plans to launch its card on Jaywan, the UAE’s domestic card scheme, in Q4 2026, while the second partnership will allow customers to buy, sell, and hold digital assets through the Huru app. 

The move comes as Huru reports AED 3 billion in annualized salaries flowing into its accounts from more than 24,000 employers. Having also partnered with nine major exchange houses, the company aims to issue approximately one million Universal Accounts over the next 12 months. Its existing salary business provides a foundation for these additions, but expanding the range of services is only part of the task. Customers will need clear reasons to use them beyond receiving their monthly pay. 

Extending Card Payments and Adding Digital Assets 

Paymentology will continue to provide the processing infrastructure behind Huru’s card program, supporting the planned Jaywan launch. The agreement builds on an existing relationship between the companies and brings Huru’s card offering onto the UAE’s domestic scheme. 

The Bitpanda Enterprise partnership introduces digital asset trading through the app, using the company’s existing brokerage infrastructure rather than requiring Huru to build its own. The service will be provided by Bitpanda Broker MENA FZCO, which Huru identifies as licensed by Dubai’s Virtual Assets Regulatory Authority (VARA). These brokerage services will remain separate from Huru’s activities licensed by the Central Bank of the UAE. 

“As financial services become increasingly digital, access to new asset classes should be built on intuitive infrastructure. Our partnership with Huru brings Bitpanda’s digital asset infrastructure into a platform already embedded in customers’ everyday financial lives, giving them the choice to access digital assets within a familiar environment. We are pleased to support Huru as it continues to broaden its financial ecosystem in the UAE.” said Nadeem Ladki, Global Head of Bitpanda Enterprise 

The two services address different needs, from everyday card spending to access to digital assets. Bringing them into an existing financial app could make them more convenient to access, although convenience alone does not guarantee adoption. Digital asset trading also carries risks that differ from routine payments, making clear information about the service and its regulatory arrangements important. 

Building Around the Universal Account 

Huru’s Universal Account sits at the center of its offering. Held in an individual’s own name and assigned its own IBAN, it is designed to remain with the customer when they change employers. The company is integrated with the Wage Protection System (WPS), allowing employers to retain their existing payroll arrangements, with Salary Information Files continuing through their existing bank while Huru manages account onboarding and transition support. 

Customers can also use the platform for international remittances, bill payments, mobile recharges, and goal-based savings. Its Quick Cash offering provides credit to eligible customers facing unexpected expenses, extending the range of services available through the account. 

“We built Huru around a simple question: what does someone actually need to do with their salary after it arrives? Receiving money is only the starting point. People need to be able to manage it, send money home, pay bills, save for the future and have greater control over where their income can take them. These partnerships take that vision further. By bringing together card processing and new financial capabilities around the Universal Account, we are building an ecosystem that can grow with our customers’ needs while expanding access to regulated financial services across the UAE." Said Chief Executive Abhimanyu Girotra 

The agreements were signed at Seamless Fintech Middle East 2026 in Dubai. With the Jaywan card planned for Q4 and digital asset services still subject to regulatory approvals, Huru has several milestones ahead as it pursues its account target. Its progress will depend not just on adding new features, but on whether those services prove useful to the people already receiving their salaries through the platform. 

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