MNT-Halan, Egypt’s largest and fastest-growing fintech platform, has announced the launch of the country’s first fully digital secured lending solution offered by a non-banking financial institution. The service, available through the Halan App, allows investors to instantly access up to 80 percent of their invested funds without liquidating them. The launch marks a major step in broadening financial inclusion and unlocking liquidity for retail and institutional customers across the Egyptian market.
A Milestone in Non-Banking Finance
The secured lending solution introduces a new form of credit access in Egypt’s non-banking sector. Customers can unlock an instant credit limit of up to EGP 500,000 on their Halan Card, while their underlying investments continue to grow. By integrating a seamless end-to-end digital onboarding and eKYC process, MNT-Halan ensures that users can complete the journey entirely online, avoiding the delays associated with traditional credit facilities.
Competitive Features for Customers
One of the key differentiators of this product is its affordability. Interest rates are significantly lower than conventional credit lines, making it an attractive alternative for investors who want short-term liquidity without eroding their investment portfolios. Additionally, customers approved via the Halan App or at Halan booths benefit from zero interest and no fees on Halan Card transactions for up to 45 days.
Leadership Perspective
Mounir Nakhla, Founder and CEO of MNT-Halan, emphasized the importance of the product in meeting real financial needs. He noted that many potential investors hesitate due to concerns about liquidity in times of need. By removing that barrier, the company enables users to grow their wealth while retaining access to funds through instant, digitally enabled credit.
Expanding Investment Offerings
The secured lending solution complements MNT-Halan’s growing portfolio of investment products. Through the Halan App and its nationwide outlets, users can invest in gold funds, equity opportunity funds, Sharia-compliant products, and Halan Savings, which offers flexible daily returns. All offerings are fully regulated by the Egyptian Financial Regulatory Authority (FRA), underscoring the company’s focus on secure and transparent financial services.
Scaling an Integrated Financial Ecosystem
MNT-Halan’s strategy is centered on building a comprehensive fintech ecosystem in emerging markets. The company currently serves over 8 million customers, with 2 million active each quarter, through a platform that integrates lending, payments, savings, and investments. Its operations extend beyond Egypt to Turkey, Pakistan, and the United Arab Emirates, reflecting ambitions to reshape financial access across regions traditionally underserved by conventional banks.
Company Background and Recognition
Founded in 2018, MNT-Halan has established itself as Egypt’s first fintech unicorn. It offers a wide range of services including consumer and business loans, e-wallets, prepaid cards, savings products, and e-commerce services, supported by both its app and a physical network of outlets. The company holds multiple financial licenses, including microfinance, consumer finance, and nano finance, and has received international recognition such as being named the Most Innovative Fintech Company in the Middle East and Africa by Global Finance, and inclusion on the Financial Times’ list of Africa’s Fastest Growing Companies.
By introducing Egypt’s first secured digital lending solution, MNT-Halan is reinforcing its position as a trailblazer in financial innovation. The product not only addresses liquidity concerns but also strengthens investor confidence by allowing them to keep their money growing while unlocking flexible credit. As the company continues to expand its integrated ecosystem, it is setting new benchmarks for how fintech can drive both financial inclusion and economic empowerment across emerging markets.