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Our Fintech Services

1

QR-Based P2P Micro-Payment Ecosystems

We deploy scalable, low-infrastructure QR payment networks tailored for markets with low banking penetration.

 

Our systems enable instant, account-free transactions for street vendors, micro-entrepreneurs, and informal workers bringing entire communities into digital commerce using only mobile devices.

 

Through partnerships with government ministries, economic development departments, and municipal programs, we support national initiatives aimed at digitizing payments and enhancing financial inclusion.

2

AI-Driven Alternative Credit Scoring

Millions across the MENA region lack formal credit histories. Using advanced AI and behavioral analytics, we create dynamic, transparent credit profiles based on:

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  • Micro-payment activity

  • Cash-flow patterns

  • Vendor transaction history

  • Savings and spending behavior

 

This enables equitable access to micro-loans and working capital for individuals and MSMEs traditionally excluded from the financial system.

We work with regulators and credit bureaus to ensure our scoring frameworks align with national financial inclusion strategies.

3

SME-Focused Digital Financial Infrastructure

SMEs represent the backbone of MENA economies, yet many still operate without professional financial tools. We build end-to-end digital ecosystems that include:

  • Cash-flow forecasting & real-time analytics

  • Automated payroll, HR, and compliance

  • AML/KYC onboarding tools

  • Integrated supplier payment rails

Our platforms are developed in cooperation with government SME authorities, chambers of commerce, and national digital transformation programs, supporting the modernization of small business operations across the region.

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4

Cross-Border Payments & Remittances

In Gulf markets remittances form a critical financial channel for migrant workers. We provide fast, transparent, and low-cost payment corridors, reducing the burden of traditional transfer fees.

 

We also explore blockchain-enabled settlement layers for frictionless cross-country transfers.

 

Through dialogue with central banks and financial regulators, we ensure compliance, transparency, and alignment with national remittance modernization initiatives.

5

Financial Literacy & Education Platforms

True inclusion requires knowledge. We develop multilingual digital education platforms that teach:

  • Responsible credit use

  • Budgeting & savings

  • Avoiding predatory lending

  • Building long-term financial resilience

Our content is culturally adapted for MENA and provided in Arabic and other regional languages.
We collaborate with public education programs, community organizations, and national financial literacy campaigns to broaden outreach and impact.

6

Government Digital Payments Modernization & Infrastructure Advisory (Exclusive for Government Partners)

Daniel Sansano Capitals Inc. provides specialized fintech advisory and infrastructure development services for government ministries, central banks, regulatory bodies, and public-sector institutions across MENA.

 

Our government collaboration model ensures that all solutions are secure, scalable, regulation-aligned, and tailored to national development goals.

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