Ziina is a financial technology startup based in the United Arab Emirates (UAE) that provides a fast and secure platform for sending and receiving money. It primarily serves individuals and businesses in the Middle East, aiming to democratize access to financial services in the region.

Ziina's business model is centered around providing a user-friendly mobile application that allows users to transfer money instantly using various payment methods such as debit cards, credit cards, Apple Pay, and Google Pay. The platform is designed to make money transfers as simple as sending a text, with a focus on personalization and convenience.

For individuals, Ziina offers a simple way to split bills with friends, make personal payments, and even earn money through referrals. For businesses, Ziina provides a versatile payment solution that allows them to accept payments in various forms, track money flow, and even accept payments through social media platforms like Instagram and Whatsapp.

The company also emphasizes affordability, with no unnecessary fees for transfers of 25k AED or less. This makes it an attractive option for both individuals and businesses looking for cost-effective money transfer solutions.

Ziina generates revenue through transaction fees for certain types of transfers and payments. However, it also offers free transfers to banks, making it a competitive player in the financial technology market in the Middle East.

Keywords: Financial Technology, Money Transfers, Mobile Payments, Middle East, User-Friendly, Personal Payments, Business Payments, Affordable, Social Media Payments, Financial Services.