One request.Funders compete.You choose.
NIDD connects funding requesters with licensed funders through an AI-powered marketplace built for speed, trust, and compliance.
40+
Licensed funders
< 2h
Avg. offer time
12k+
Requests matched
Live request
SME expansion · Riyadh
Alpha Capital
Licensed · SAMA
11.2%
APR
Nawa Finance
Licensed · SAMA
12.4%
APR
Riyad Trust
Licensed · SAMA
13.0%
APR
Match rate
96%
Best offer
-1.8% APR
A marketplace, not a lender
NIDD is not a bank. NIDD is not a finance company. NIDD is the trusted layer between you and the market.
Smart IQ Matching
Our engine scores your profile and routes it to the funders most likely to compete for you.
Real-time offers
Watch competing offers arrive live. Compare rates, tenor, and terms side by side.
Compliance by design
KYC, AML, Nafath, IBAN, and SAMA-aligned controls baked into every step.
Digital contracts
Sign electronically with legally binding e-signatures and immutable audit trails.
How NIDD works
Submit your request
Tell us how much you need and why. It takes minutes.
Funders compete
Licensed funders review your profile and submit offers.
Compare & choose
Pick the offer that fits. No pressure, no hidden fees.
Sign & receive
Sign digitally and receive funds through your verified IBAN.
Smart IQ — the brain behind every match
A real-time decision engine that reads your profile, risk, and market appetite to route each request to the funders most likely to win it.
Profile scoring
Composite score across income, obligations, and stability — updated in seconds.
Funder appetite
We learn each funder's live risk appetite and route only what fits.
Explainable decisions
Every match is auditable — reason codes, not black boxes.
Built with responsible AI
AI accelerates review, drafts guidance, and flags anomalies — but every regulated decision stays with licensed humans.
Assistive, not autonomous
AI assists reviewers; it never grants credit unilaterally.
Bilingual by design
Arabic-first reasoning across documents, chat, and summaries.
Governed
Model registry, drift monitoring, and kill-switch on every model.
Security & compliance, at the core
SAMA-aligned controls, PDPL-grade data protection, and independent audit trails on every action.
SAMA-aligned
Built to the Kingdom's supervisory expectations.
PDPL by default
Data minimisation, consent, and subject rights — enforced.
ISO 27001 & PCI DSS
Enterprise-grade security posture, end to end.
Nafath verified
Government-grade identity, native to onboarding.
The NIDD platform
Eighteen modules working as one. Every request touches identity, risk, fraud, AML, and audit — invisibly.
NIDD
Marketplace
NIDD
Identity
NIDD
Shield
NIDD
Trust
NIDD
Smart IQ
NIDD
Pay
NIDD
Sign
NIDD
Notify
NIDD
Insights
NIDD
Connect
NIDD
API Gateway
NIDD
Risk
NIDD
Fraud
NIDD
AML
NIDD
Collections
NIDD
Credit
NIDD
Vault
NIDD
Audit
Questions, answered
The essentials before you request or fund.
Is NIDD a lender?+
No. NIDD is a regulated marketplace. Licensed funders make and price the offers; you choose.
How fast do offers arrive?+
Most requests receive their first competing offer within two hours during working days.
Is it Sharia-compliant?+
Yes. Requesters can filter for Sharia-compliant offers; funders declare their product structures.
Who can register?+
Verified Saudi residents and licensed funders. Nafath and IBAN verification are required.