Our operating model today
Duoza operates through licensed acquiring and banking partners. For merchant acceptance, the acquiring bank partner holds the acquiring licence and scheme membership, underwrites merchants, and settles funds directly to them. Duoza provides the technology platform and never holds merchant funds in this model.
Cards and international accounts use the relevant programme and provider arrangements. Duoza does not hold a banking licence today; product-specific terms identify the provider and the services available to you.
Advancing our UAE licensing pathway
Duoza is pursuing its UAE banking and payments licensing pathway as part of the vision for a single platform spanning accounts, cards, acceptance, and digital assets.
The pathway includes a planned acquisition of a firm licensed by the Central Bank of the UAE (CBUAE) for Category III Retail Payment Services. Completion is subject to change-of-control approval.
Permissions follow the product
Merchant acquiring, card programmes, account services, and digital-asset integrations have distinct operating requirements. Duoza structures each product around its provider responsibilities, eligibility checks, and applicable jurisdiction.
The planned payment-services acquisition is one part of the regulatory pathway, not a banking licence. Each additional regulated activity follows its own approval process and authorized scope.
A clear framework for partners
During onboarding, Duoza provides the product operating model, the relevant partner responsibilities, and the compliance information for your setup. This gives commercial, legal, and operations teams a shared basis for launch.
Product and licensing updates are reflected in these guides as the platform expands. Your Duoza contact provides the current arrangements for your proposed service and market.