Your whole life is data. You should be holding it.

A lifetime of data, scattered across dozens of apps. Fenora turns it into a context layer the person owns. Businesses get the answer, never the data.

Quick demo
loans allocated
default rate on alt data
acceptance rate

The engine

Seven steps, from applicant to lender decision

A conversation, a document in any language, or consented access to messages. We turn unstructured data into credit decisions.

  1. Applicant

  2. AI interview

  3. Document processing

  4. Permissioned data

  5. Fraud detection

  6. Decision engine

  7. Lender API

65% of applicants complete all 7 steps in under 8 minutes

Who gets left out

Traditional underwriting excludes millions of qualified applicants

Lenders carry high default rates while still rejecting more than half of all applicants.

Market cap

A market that bureaus can't reach

Market size

Credit and insurance across MENA

Total addressable
Serviceable
Target market

of MENA adults lack a formal credit footprint

World Bank Global Findex, 2025

expats in the GCC, credit-invisible on arrival

Gulf Labour Markets & Migration, 2024

annual tourists in MENA without local credit access

UN Tourism Barometer, 2025

The layer underneath

Credit is the wedge. The wallet is the company.

Every decision about a person needs real context. Fenora supplies it, with the person holding the keys.

Fenora personal data wallet

Answers Credit without releasing a single record.

raw data never leaves
MCP server — permissioned queryno raw data
→ ask(user, "can they service 400 AED / month for 6 months?")

← { answer: "yes", confidence: 0.94,
    basis: ["income stability", "obligation history"] }

// records transmitted: none. consent: per-question, revocable.

Security & integration

Built to earn trust from day one

On-device privacy

Raw financial data never leaves the user's device. The model runs on-device and only a credit signal is emitted.

Permissioned & revocable

Each source is connected individually with explicit consent, and access can be revoked at any time.

End-to-end encryption

TLS 1.3 in transit, AES-256 at rest, with role-based access control and audit logging across every internal system.

Team

Three founders, out of Dubai

Together three and a half years. Our last company, Interia, was acquired in 2025.

Koosha Mousavi

Koosha Mousavi

CTO, Fenora

  • Gold medalist, Computer Olympiad, top 3 best scores in Iran's history
  • Co-founder, Interia

Computer Engineering student, Sharif University of Technology

LinkedIn
Aria Hemmati

Aria Hemmati

CEO, Fenora

  • Gold medalist, Computer Olympiad
  • Founding AI engineer, Edexia (YC25)
  • Co-founder, Interia

Computer Engineering student, Sharif University of Technology

LinkedIn
Danial Nabiyouni

Danial Nabiyouni

CFO, Fenora

  • Silver medalist, Mathematics Olympiad
  • Head of investment, NGME VC
  • Co-founder, Interia

Computer Engineering student, Sharif University of Technology

LinkedIn

Let's work together.

We're onboarding partners across MENA. Tell us the decision you're trying to make, and we'll show you what the wallet can answer.

Message us on LinkedIn