INDUSTRY FIN. TECH

NTELLIGEN

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At its core, Vault22 aims to simplify how people manage money. Instead of using multiple banking apps, spreadsheets and investment platforms, users can view their bank accounts, investments, liabilities and financial goals in one intelligent dashboard, helping them better understand their financial position and make informed long-term decisions.

The launch reflects growing demand for tools that help individuals manage increasingly complex financial lives. Many professionals operate across multiple banks, currencies and investment accounts, making it difficult to maintain a clear financial overview.

Vault22 addresses this challenge by aggregating financial data across institutions and combining it with Artificial Intelligence to deliver personalized financial insights and guidance.

The platform’ s AI financial advisor, Tara, analyzes spending patterns, financial behavior and investment activity to provide tailored guidance across budgeting, debt reduction, savings and investment planning. It can forecast potential cash shortfalls, identify idle funds, monitor investments and deliver timely prompts aligned with income cycles and financial goals.

“ Most financial institutions only see a small portion of a customer’ s financial life, usually activity within a single account. By aggregating accounts, assets and liabilities into one platform,

Vault22 can develop a much more holistic understanding of each user’ s financial needs. That allows us to deliver personalized financial guidance and connect customers with the right financial products at the moment they actually need them,” said Stephen Ong, Cofounder of Vault22.

Vault22 has more than 1 million registered users globally, with over 50,000 new registrations in the past 90 days and monthly active users rising by 6.92 % in February, reflecting growing demand for digital financial tools.

Backed by investors including Standard Chartered Ventures, Old Mutual and Franklin Templeton, the company is building a digital wealth platform focused on Pan-African markets and Islamic finance economies across the GCC.

Vault22 recently introduced 52 diversified investment portfolios, including 26 Shariah-compliant portfolios, offering access to professionally managed strategies. These portfolios are screened and monitored according to AAOIFI standards and supported by an independent Shariah Supervisory Board.

In addition to its consumer platform, Vault22 also provides wealth infrastructure technology for financial institutions through a Wealth-as-a-Service model.

“ The UAE is one of the most dynamic financial markets in the world today,” said Benito Mable, Founder and CEO of Vault22.“ With a rapidly growing FinTech ecosystem and a population that is highly engaged in entrepreneurship and investment, people here are increasingly looking for smarter tools to manage wealth across borders.

“ At the same time, financial institutions in the region are looking for technology partners to accelerate their digital wealth offerings. Vault22 brings financial aggregation, AI-driven insights and digital investment capabilities into one platform, giving individuals greater clarity, control and intelligence when it comes to financial decision-making.” • www. intelligentcio. com

INTELLIGENT CIO NORTH AMERICA

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