Humd is the GCC's first AI-powered B2B print marketplace, connecting 100+ vendors of business cards, T-shirts, and gifts with corporate buyers. When founders Mohammed Zakriya and Vardha Fazal moved their operations from Bangalore to Dubai, they knew cash flow would make or break their business. With bank transfers slowing them down and seven-day settlements freezing growth, they turned to Ziina for instant access to funds and a card that lets them spend the moment money lands.
CHALLENGE
Settlement delays stalling growth
As a new business in the UAE, Humd started by accepting bank transfers. But waiting days for payments meant they couldn't move fast when they needed to.
Their traditional customers didn't trust payment links, so Humd signed up with a well-known international provider. This solved the trust problem but created a new one. They still had to wait seven days for settlements.
Cash tied up for a week meant Humd couldn't buy materials, pay vendors, or run ad campaigns when demand spiked. Their entire business model depended on fast access to working capital. Seven-day waits were killing momentum.
SOLUTION
Spend directly from your Ziina balance
Zakriya and Vardha switched to Ziina for reliable 1-2 day settlements. That alone transformed their cash flow. Then, in September 2025, they got early access to Ziina Card.
The card changed everything. Humd can now spend directly from their Ziina balance the moment funds land. Online, in-store, via Apple Pay or Google Pay. No cashing out to their bank. No waiting. No being stuck over weekends.
Ziina surprised us right from the start, especially compared to other apps in the market. The UX is outstanding, but more crucially, Ziina builds features that solve real-world challenges faced by small businesses. First with fast cash outs and then with Ziina Card so we can access our balance instantly.
Mohammed Zakriya, CEO
Humd now keeps funds in their Ziina account for immediate access. They use Ziina Card for salary transfers, remittances, business expenses, and online payments. Liquidity is always available, even on weekends.
Ziina is very business friendly. As a start-up owner receiving payments on Ziina, you are never out of pocket because you receive your cash within 1-2 business days. Now with the card, we have instant access during the weekend as well. Ziina entirely removes the stress of constantly looking for alternative sources of cash to fund your expenses.
Vardha Fazal, COO
RESULTS
Scaling without cash flow constraints
With digital payments in place and instant access via Ziina Card, Humd scaled fast. They've partnered with 100+ vendors and delivered 2.5 million products to thousands of corporate customers.
Their team of fourteen spans Dubai and overseas. They're preparing to launch in Saudi Arabia next and plan to operate in ten countries within five years, building from a UAE base toward global scale.
Cash flow is no longer the limiting factor.
I have worked with Ziina and enjoyed the app for a long time, but Ziina's digital card has become my most favourite feature now! The card gives me immediate access to my funds, 24/7, and it has solved 90 percent of my problems as a business owner.
Mohammed Zakriya, CEO
