Homegrown fintech startup Madkhol Capital launched Ratbi+, a savings and investment program for corporate employees in Saudi Arabia. The platform — unveiled during Money 2/20 Middle East — enables companies to convert employee rewards into professionally managed, shariah-compliant investment portfolios to aid in employee savings and retention, Madkhol Financial’s CEO Saad bin Atyan told EnterpriseAM Saudi.

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What does Ratbi+ do? Ratbi+ provides each employee with a personal investment portfolio funded by company contributions, according to Atyan. These funds vest over a specified period, requiring the employee to remain with the company to gain full ownership. This structure is intended to be mutually beneficial, encouraging employee retention for the company while helping staff build personal savings, Atyan told us.

A new take on compensation: The program aims to shift the traditionally transactional employer-employee relationship toward a long-term partnership, Atyan said. “For years, salaries have been treated as one-off transactions; money in, money out. What’s been missing is a way to transform salaries into a tool for long-term financial wellness. Ratbi+ was built to close that gap.”

The platform is highly customizable, allowing companies to decide how performance rewards are managed — either manually or through HR software integration — and whether employees can select their own investment risk tolerance or choose from predefined options, he said. Management can monitor key metrics like participation and savings through the dashboard, while the underlying portfolios, composed of assets like sukuk and Islamic funds, are automatically rebalanced to align with the chosen risk strategy, he added.

LOOKING AHEAD- Madkhol Financial, which is licensed by the Capital Market Authority, is offering trial periods for the new service, Atyan said. The company plans to actively gather feedback from its initial corporate clients to guide the product's evolution, he said. The long-term vision involves expanding its features and building a strong customer base through strategic partnerships.

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