Tadwil Pay had a deck and a SAMA regulatory roadmap. They needed an MVP they could put in front of the SAMA sandbox within a quarter.
The squad
A full cross-functional squad: product manager + tech lead + 3 engineers. We wired them into Tadwil's two-person founding team in Riyadh.
How we worked
- Weeks 1-2: Define MVP, pick a SAMA-approved KYC vendor (Tahaqaq), set up data residency in KSA.
- Weeks 3-8: Build the core product (sign-up via Absher, wallet, KYC, payouts via Mada, fees).
- Weeks 9-10: Soft launch in Riyadh with 200 closed-beta users.
- Weeks 11-12: Open up UAE + Bahrain behind a feature flag.
Outcome
- Three markets live, SAMA sandbox demo passed.
- Tadwil's CTO retained the tech lead full-time after the engagement.
- 0 critical security findings in their pre-Series A audit.