Dubai, UAE, September tenth, 2026, Chainwire
Zamanat Fund CEIC Restricted is the corporate’s first dwell proof level for regulated fund tokenization on ZIGChain targeted on GCC personal credit score.
Zamanat as we speak introduced its sponsorship of Zamanat Fund CEIC Restricted (the “Fund”), a DIFC-domiciled tokenized personal credit score fund with a goal measurement of as much as USD 100 million. The Fund targets the GCC’s estimated $250 billion SME financing hole, with solely 11 % of SMEs throughout the area accessing credit score.
Closing a $250 billion structural hole in GCC SME credit score
Throughout the GCC, SMEs are central to financial progress but stay considerably underserved by conventional financing. Within the UAE, SMEs generate greater than half of GDP and make use of nearly all of the private-sector workforce, but obtain lower than 10 % of whole financial institution lending.
The Fund will spend money on personal credit score throughout the area, directing capital in direction of robust homegrown corporations whose financing wants are usually not absolutely met by way of conventional lending channels. The technique helps nationwide ambitions to develop SME participation, private-sector progress and entry to different financing, together with priorities set out beneath Saudi Arabia’s Imaginative and prescient 2030 and the UAE Centennial 2071.
“Robust companies throughout the GCC nonetheless battle to entry progress capital regardless of sound fundamentals. Zamanat sponsored the Fund to create a reputable route between these companies and institutional capital. With a goal measurement of as much as USD 100 million and pursuits issued as Funding Tokens, it’s our first dwell proof level for bringing GCC personal credit score right into a regulated digital construction for Skilled Purchasers,” stated Umair Tariq, Founder and CEO of Zamanat.
Bringing GCC personal credit score into digital markets
Tokenization expands the infrastructure round historically hard-to-access private-market belongings with out altering the underlying funding or credit score profile.
The Fund combines a regional personal credit score technique, a DIFC fund construction, institutional administration and digital issuance on ZIGChain. It offers a primary dwell demonstration of how regional personal credit score may be introduced right into a DFSA-regulated tokenized construction for Skilled Purchasers.
The Fund is a DFSA-regulated closed-ended fund registered as an Exempt Fund and labeled as a Credit score Fund. It’s managed by Truleum Enterprise Companions Restricted and administered by Apex Group. Fund pursuits shall be issued as ZM1 Funding Tokens on ZIGChain inside a regulated, whitelisted surroundings.
As sponsor, Zamanat brings its regional personal credit score, funding structuring and institutional partnership experience to the Fund’s improvement. Truleum retains accountability for all regulated fund-management actions.
The ZM1 Funding Token construction offers a blockchain-native possession and settlement layer throughout the Fund’s regulated framework. It additionally permits qualifying traders who meet the DFSA Skilled Consumer standards to take part alongside institutional traders.
Zamanat is backed by Disrupt.com, a MENA-based, operator-led AI-native enterprise builder and lead investor within the enterprise.
Constructing the worldwide marketplace for Digital Shariah Belongings
International Islamic finance belongings are projected to achieve $9.7 trillion by 2029, but demand for digital and Shariah-aligned belongings is rising sooner than the institutional infrastructure connecting them with international capital.
Zamanat continues to construct the worldwide marketplace for Digital Shariah Belongings. Its wider working mannequin combines funding structuring, Shariah experience, regulated accomplice routes and digital distribution to carry real-world belongings to market by way of conventional and digital channels.
The DIFC-domiciled Fund evidences the regulated fund-tokenization, digital possession and partner-orchestration functionality inside that wider construct. Zamanat is progressing a separate pipeline of Digital Shariah Belongings throughout personal credit score, receivables, actual property and different asset courses.
Institutional partnerships
Apex Group acts as Fund Administrator, offering institutional fund administration and controls from the outset.
“Zamanat is supporting the creation of a brand new class in Digital Belongings. Bringing institutional construction and digital distribution collectively inside a DFSA-regulated framework units the usual for the way this market ought to be constructed, and this fund exhibits the mannequin working at institutional scale. We’re proud to help the infrastructure behind it, and we stay up for partnering additional on the tasks Zamanat already has in movement,” stated Peter Hughes, Founder & CEO, Apex Group.
The worldwide marketplace for Digital Shariah Belongings doesn’t but exist as an institutional class. Zamanat is constructing it.
Notes to Editors
Sources
LSEG and ICD, 2025 Islamic Finance Growth Indicator Report, 14 October 2025 (international Islamic finance belongings projected to achieve $9.7 trillion by 2029); World Financial institution, Competitors within the GCC SME Lending Markets: An Preliminary Evaluation (estimated $250 billion GCC SME credit score hole; 11 % of SMEs with entry to credit score); Kearney, GCC Retail Banking Radar 2024.
Investor discover
This communication as associated to Zamanat Fund CEIC Restricted is authorized by Truleum Enterprise Companions Restricted within the DIFC (DFSA License Quantity: F008013).
This launch is for info solely. It’s not a proposal, invitation or suggestion to subscribe for pursuits in Zamanat Fund CEIC Restricted or purchase ZM1 Funding Tokens. Any participation shall be made solely by way of the Fund Supervisor, remaining providing paperwork and relevant Skilled Consumer eligibility necessities. For avoidance of doubt, this communication is meant for and directed solely to traders who meet the necessities to be thought-about Skilled Purchasers as specified beneath the Dubai Monetary Companies Authority Conduct of Enterprise Rulebook, Rule 2.3.3. The Fund is an ‘Exempt Fund’. Accordingly, the ZM1 Funding Tokens can be found solely to Skilled Purchasers.
This launch and the data contained herein doesn’t represent, and isn’t meant to represent, a public supply of securities in some other jurisdiction and accordingly shouldn’t be construed as such. The ZM1 Funding Tokens are solely obtainable to a restricted variety of traders from the DIFC. The ZM1 Funding Tokens haven’t been authorized by or licensed or registered with some other related licensing authority or governmental company. No transaction shall be concluded in onshore UAE outdoors the DIFC.
The Fund shouldn’t be an Islamic Fund and isn’t marketed as Shariah-compliant. References to Shariah on this launch relate to Zamanat’s broader platform and market ambition and to not the Fund.
About Zamanat
Zamanat is constructing the worldwide marketplace for Digital Shariah Belongings. The corporate connects asset originators with international capital by way of funding structuring, Shariah experience, regulated accomplice routes, tokenization and distribution throughout conventional and digital channels.
Zamanat additionally sponsors and develops institutional funding merchandise by way of appropriately licensed companions. Every product follows its personal authorized and regulatory framework and, the place offered as Shariah-aligned, its personal product-specific Shariah evaluation and governance course of. Web site: www.zamanathq.com
Contact
International Head of PR & CommunicationsKatarzyna Kosiordisrupt.com[email protected]
