The new strategy offers institutional investors access to a short-duration, asset-backed private credit product designed to deliver stable, predictable income through a structure that combines RBI-regulated lending and UAE-based governance.
Wizz Financial, the Abu Dhabi-based global fintech group specializing in cross-border payments and digital wallets, in partnership with Aditum Investment Management Limited (“Aditum”), announced the launch of MENA and India’s first gold-backed private credit strategy, fully regulated under India’s RBI framework and available through UAE-based financial institutions.
The new strategy offers institutional investors access to a short-duration, asset-backed private credit product designed to deliver stable, predictable income through a structure that combines RBI-regulated lending and UAE-based governance.
Initially distributed through leading UAE banks, the strategy strengthens the UAE’s and, in particular, Abu Dhabi’s position as a global hub for financial innovation and real-asset-backed investment.
Anchored in India’s [$80 billion] gold-loan ecosystem, one of the world’s largest organised gold-credit markets, the product is fully secured by physical gold collateral. Loans are issued by Wizz Financial’s RBI-regulated non-banking financial company (NBFC) and governed by strict oversight, daily mark-to-market valuation and conservative loan-to-value limits. This framework delivers enhanced downside protection, with diversified exposure to thousands of underlying microloans.
Wizz Financial’s growth is underpinned by its founding co-shareholder, Abu Dhabi Capital Group, a leading institutional investor operating at the intersection of sovereign and family capital. Under the guidance of H.E. Abubaker Al Khoori, Wizz Financial continues to advance Abu Dhabi’s vision of becoming a global fintech powerhouse through technology, regulation and cross-border connectivity.
“Wizz Financial is a testament to Abu Dhabi’s bold, forward-looking approach, where innovation and investor confidence meet. Through partnerships such as Aditum, we are strengthening financial bridges between the UAE, India, and major global markets, expanding access to institutional-grade opportunities.”
– H.E. Abubaker Al Khoori, Director of Wizz Financial & CEO, Abu Dhabi Capital Group
“This strategy reflects the strength of our partnership with Wizz Financial and our shared focus on institutional-grade investment solution. By combining Aditum’s rigorous framework with Wizz’s scale, technology and cross-border reach, we’re delivering a secure, transparent and scalable credit solution backed by a trusted global collateral ecosystem. Together, we’re setting a new benchmark for real-asset-backed private credit.”
– Gaurav Kumar, Deputy SEO, Aditum Investment Management Limited
“This milestone underscores Abu Dhabi’s growing role as the world’s hub for fintech and real asset innovation. We are creating a seamless ecosystem that links digital finance, credit markets and frontier economy growth – turning ambition into measurable impact.”
– Amir Nagammy, Founder & Group Chief Executive Officer, Wizz Financial
The launch marks a significant expansion in private credit investment options across the UAE and India, combing yield, stability and transparency. With strong regulatory frameworks, physical collateral, and diversified exposures, the strategy introduces a new benchmark for secured private credit in emerging and established markets.
