Arfinex

Zemam (زمام), or Zemam ERP, is a cloud ERP from Smartly Coded, built for small and mid-sized businesses in Egypt and the MENA region. Everything runs on one IFRS-compliant, double-entry ledger, so a single sale updates inventory, posts the accounting entry, and adjusts the customer balance at once — no double entry, no separate tools to reconcile. It covers accounting, inventory (WAC/FIFO with batch and expiry across multiple warehouses), sales, purchasing, treasury, the full cheque lifecycle, installments, and multi-currency (IAS 21) — plus manufacturing, fixed assets, CRM, and HR & payroll. The point of sale for retail and restaurants runs fully offline and auto-syncs, and a near-complete mobile app puts the whole system on your phone. Built for Egypt: VAT calculated after discount and native ETA e-invoicing. Fully Arabic (RTL) with English, multi-tenant isolation, role-based permissions, approval workflows, and a public API with webhooks. Start free — no credit card.

Marengo is a white-label crypto exchange for brokers, banks, fintechs, licensed exchanges and crypto businesses. Lite supports buy, sell and convert; Pro adds candlestick charts, indicators, an order book, and limit, market and stop orders across 24+ markets. Exchange operations run on a matching engine and double-entry ledger, with customer wallets, withdrawal controls and a staff backoffice. Compliance tools include identity and sanctions checks, Travel Rule workflows, transaction monitoring, market-abuse detection, and DAC8 and CARF reporting. Marengo offers web access, native iOS and Android apps, six interface languages including Arabic right-to-left, broker mode, FIX 4.4, REST and WebSocket APIs, and proof-of-liabilities reporting. Operators can use Paynoramic's managed service or license the source code for deployment on their infrastructure. The product has a public demo, about 30-day delivery and no revenue share.