EST. 2025Sovereign AI, built in Abu Dhabi

Sovereign AI for the
future of finance.

The AI and core technology modern finance runs on. Engineered in Abu Dhabi, owned at home.

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COMPUTE · IN-COUNTRY · UAE

A subsidiary of Central Bank of the UAE

AGENTIC AI SOVEREIGN AI CLOUD TRUST LAYER FOR MONEY AI & DATA STRATEGY SHAPE BUILD ASSURE GOVERN RUN AGENTIC AI SOVEREIGN AI CLOUD TRUST LAYER FOR MONEY AI & DATA STRATEGY SHAPE BUILD ASSURE GOVERN RUN

01 — About

An AI-first technology company, built for finance.

Behind every payment is a person: a family sending money home, a business getting paid, a regulator keeping the system safe. As finance becomes digital and intelligent, the technology that serves them becomes part of a nation’s foundations.

Takamul was established in 2025 as a subsidiary of the Central Bank of the UAE.

Our name

تكامل

Integration: separate parts coming together as one.

Mission

Build, own and scale the AI and technology at the heart of the UAE’s financial system.

Vision

Make the UAE the global benchmark for the future of finance.

Our beliefs

Six principles · one standard

01

AI-first, always

AI at the centre of what we build and how we build it.

02

Engineering without compromise

Secure, resilient technology, to a central bank standard.

03

AI that serves judgement

Making institutions and people stronger, not replacing them.

04

Build once, use everywhere

Shared platforms make every new service faster and safer.

05

Own what matters

The technology, data and models finance depends on stay under national control.

06

Move fast, build to last

Urgency now. Getting it right for decades.

02 — What we do

One AI-native stack. Built once, used everywhere.

We build the foundations of finance once, with AI at the core, for everyone who needs them.

Agentic AI layer

AI in production, within the rules.

Agents with regulation, human approval and audit built in.

agent.run · exception-review Live

✓ Request receivedexception flagged input

✓ Regulatory rules appliedpolicy check passed rules

✓ Human approvalapproved by reviewer human

✓ Action executedwithin mandate act

✓ Audit record sealed0x7a3f…c91e audit

Sovereign AI cloud

Intelligence that stays in the country.

In-country AI compute with bank-grade resilience.

DATA RESIDENCYUAE · in-country

models online

Trust layer for money

Money that moves with certainty.

Ledger technology for digital currency, settlement and payment rails.

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FINAL

TRANSFERAED 2,500.00 ✓ Settled

AI & data strategy

From AI ambition to everyday use.

Strategy, use cases, data and governance, through to adoption.

$ takamul assess --institution
✓ strategy     anchored in mandate
✓ use cases    value and risk
✓ data         readiness mapped
✓ governance   controls built in
→ adoption     everyday work

Strategy to run

One accountable partner, end to end.

Shape, build, assure, govern and run.

Shape Build Assure Govern Run

03 — Why Takamul

The right team for a national mission, ready to deliver.

Arched window on the Central Bank of the UAE building

Built at the centre of the financial system, not at its edges.

01

AI-first by design

AI in every product and every role.

02

Proven AI heritage

A team that has delivered national-scale AI.

03

Built at the centre

Founded with the Central Bank of the UAE.

04

Engineered for reuse

Every platform serves the whole ecosystem.

05

Sovereign by default

Code, models, data and know-how stay home.

01 · CBUAE ecosystem 02 · Financial sector 03 · Peer central banks

04 — Vision

Starting in the UAE. Built for what comes next.

01One platform for the ecosystemA shared AI platform across the Central Bank of the UAE ecosystem.

02A sector ready for AIEvery licensed institution adopting AI safely, on one foundation.

03A model others can followPeer central banks looking to the UAE for how it is done.

PORTRAIT

Leadership message

“[Leadership quote to be provided: why Takamul exists and where it is going.]”

[Name][Title], Takamul

05 — Partners

No nation builds its future alone.

We build with leading AI and technology partners. What we create together travels across the sector.

Partners

Where it travels

AI partners

Technology partners

Specialist suppliers

Built once, with AI at the core

CBUAE ecosystem

Financial institutions

Peer central banks

Partners

AI partners

Technology partners

Specialist suppliers

Built once, with AI at the core

Where it travels

CBUAE ecosystem

Financial institutions

Peer central banks

01

Reach beyond one project

What you help build is reused across the sector.

02

Clear scope, shared accountability

Defined requirements and delivery through to handover.

03

Knowledge that compounds

Capability that stays in the country and grows.

04

A path to what comes next

From the UAE to the sector and peer central banks.

Partner ecosystem

Partner logo

06 — Careers

Build the AI a nation’s economy runs on.

Careers measured in systems a country relies on every day. AI at the centre, and a commitment to UAE National talent.

Engineers AI specialists Product builders UAE National talent

View open roles

AI at the centre of every role

The future of finance is intelligent.
It starts in the UAE.

Partner with us Join the team

Sovereign AI for thefuture of finance.