maly.ai: Your Personal Financial Wellness Hub with AI-Powered Insights

maly.ai is a cutting-edge financial wellness platform based in the MENA region, designed to help individuals and businesses build better money habits through a smart, bank-linked Visa card and a suite of AI-driven tools. At its core, the Maly app serves as a personal money hub, offering a multi-card system for managing different spending purposes, automated savings with Grow Hive, group gifting via Gift Hive, shared spending with Pay Hive, and a marketplace for gift cards, crypto vouchers, and mobile top-ups through Maly Bazaar. The standout feature, Luna AI, is a 24/7 AI financial assistant that delivers personalized advice and guidance, empowering users to make smarter financial decisions. With seamless integration across major UAE and MENA banks, robust security through top-level encryption, Visa-backed protection, and compliance with UAE RPSCS Regulation, maly.ai ensures a safe and transparent experience. Additional features include instant transaction alerts, in-app customer support, biometric authentication, card freezing, and support for Google Pay and Samsung Pay—Apple Pay is coming soon. The platform is fully accessible in both English and Arabic, and it's available for free download on the App Store, PlayStore, and Huawei AppGallery.

Key Features:

• Multi-Card System: Manage multiple cards for different spending purposes (e.g., personal, travel, gifts).
• Grow Hive: Automate savings and grow your money with intelligent, goal-based tools.
• Gift Hive: Facilitate group gifting with ease and flexibility.
• Pay Hive: Share and manage group spending seamlessly.
• Maly Bazaar: Purchase gift cards, crypto vouchers, and international mobile top-ups in one place.
• Luna AI: 24/7 AI financial assistant offering real-time advice, guidance, and decision support.
• Bank Integration: Connect with all major banks in the UAE and many across the MENA region for real-time financial visibility.
• Secure Access: Uses regulated third-party providers for read-only bank access—no login details stored.
• Instant Notifications: Get real-time alerts for every transaction.
• No Hidden Fees: Transparent pricing with no minimum balance or hidden charges.
• Biometric Security: Access via Face ID, fingerprint, or PIN; freeze your card instantly.
• Visa-Backed Card: The Maly Visa card is issued by Mashreqbank PSC through NymCard Payment Services LLC.
• AI 4 All Suite: Advanced AI tools for business automation, real-time intelligence, and custom AI models.
• Seamless Payments: Supports Google Pay and Samsung Pay; Apple Pay in development.
• Compliance & Security: Fully compliant with UAE and DIFC regulations, including AML/KYC, with insurance and encryption safeguards.
• User Control: Full data access and update capabilities via the app; opt-out options for communications.

Pricing: While the Maly app and core financial services are completely free for savers and investors with no hidden fees, the AI 4 All suite for business use is designed for scalable deployment and custom solutions, suggesting a freemium or subscription-based model for enterprise features. The primary offering for individuals remains free.

Conclusion: With its innovative blend of personal finance management and intelligent AI support, maly.ai stands out as a powerful, secure, and user-friendly financial wellness platform—ideal for individuals seeking control over their money and businesses aiming to automate operations with real-time AI intelligence.