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Revolutionizing Payments accross GCC

A new era of digital finance begins with a secure, cost-efficient PayFi network built to onboard billions—enabling stablecoin-powered payments and future-ready infrastructure for PSPs and merchants across the GCC.

Core Features

A Fast
Payment
system

Instant payments with no delays—fast, secure, and seamless transactions anytime, anywhere. ⚡

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Fully Safe
& Secure

Your money stays protected with top-level military security. Only you have full control over your funds. 🔒

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Highly affordable

One of the most affordable and efficient payment solutions for PSPs and merchants. 💰

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Sign up in seconds!

User can create an account effortlessly using email, phone, or your favorite apps. No passwords, no stress—just fast and secure access.

Your money.
Your control.

No compromises.

Stay in full control of your funds—secure, easy, and always accessible. No middlemen, no restrictions—just financial freedom. 🔑

Universal crypto compatibility

No limits—send, receive, and manage any cryptocurrency effortlessly. Full flexibility, total freedom, in one click.

DEFI READY

Smart

Safe

Our Smart Safe helps you manage your crypto safely across multiple blockchains. It reduces risk and optimizes your strategy, while keeping your funds secure. With AI-driven decisions and human oversight, you get the best of both worlds—efficiency and safety, all in a fully protected environment. 🔒

AI Enabled

We're building an AI agent called Paipal to transform your DeFi experience.

Paipal processes and learns from over 1 million of fresh data points every month.

Its algorithm automatically finds the best yield opportunities—without exposing you to unnecessary risks. ✨

Time Guardian

Time Guardian is your asset protector, making sure your digital wealth is safely transferred when the time comes.

Athar signed with AFS

Arab Financial Services partners with Athar to launch a secure, scalable PayFi network—bringing stablecoin payments to PSPs and merchants across the GCC.

Latest Partners & Awards

A Visionary Leadership with deep industry expertise.

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Amira Soliman
Founder & CEO

25+ years in retail banking, credit cards, investment Leadership roles at Citibank, FAB, Credit Agricole.

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Mickael Canu
Co.Founder & Advisor

Serial tech entrepreneur (exited)
Founder of Ternoa (Polkadot zkEVM ecosystem).

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Mohamed Abdelbari
COO

15 years in banking & fintechPreviously led operations at Jingle Pay and held key roles at Deem Finance and First Abu Dhabi Bank.

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Clément Levet
Head of Product

15+ years of experience in web & product design across Web2 & Web3.

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Awarded « Innovator in Digital Asset to Watch »

Congratulations to Amira Soliman, Co-Founder and CEO of Time Guardian/Athar Finance for winning Innovator in Digital Asset to Watch at the Web3 & Digital Assets Markets Awards 2025 by The Technology Express!

Loan, Credit Cards & Cash Back

Crypto Payment and DeFi for Everyone

Pay anywhere, earn more, and stay in control—all from one powerful, easy-to-use app.

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💼 Loan

Unlock instant loans with your digital assets—no banks, no delays. Get the funds you need, when you need them, with full control and zero paperwork.

💳 Credit Cards

A smarter way to spend. Use your crypto to access instant credit without the hassle. Fast, flexible, and always in your control.

💰 Cash Back

Get rewarded every time you pay. Earn real cashback on everyday purchases—seamlessly and automatically. More value with every transaction.

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