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Cohlay

Workplace Savings & Gratuity Infrastructure for the UAE

Cohlay is a workplace savings and end-of-service benefits platform built for institutions operating in the UAE and GCC. It provides the infrastructure to administer workplace savings, gratuity and alternative end-of-service benefit schemes across the full member and investment lifecycle, from employer onboarding and contribution processing through fund pricing, reconciliation, withdrawals and reporting.

·Workplace savings·Gratuity·End-of-service benefits·UAE & GCC

The Cohlay Difference

Built by operators, not just developers.

The workplace savings market has matured. Fund managers, employers, banks, and regulators now expect resilient, locally-aligned, deeply configurable infrastructure built with financial-services discipline from day one.

Cohlay is designed for this next phase, by practitioners who understand the full savings, investment and administration lifecycle: employer onboarding, contribution processing, bank reconciliation, fund pricing, trade execution, member portfolios, withdrawals, reporting, compliance and AI-enabled operations.

Fast because it's ready. Not fast because it's rushed.

A serious market needs serious infrastructure.

Designed for the UAE. Built for the GCC.

Built for a regulated environment

Onboarding designed for scale, from day one.

As workplace savings grows across the UAE, the hard part isn't the product. It's onboarding employers and employees seamlessly, at volume, across every regulatory regime. Cohlay's digital onboarding flows are purpose-built for exactly this.

Employers onboarded

Employees onboarded

One onboarding layer. Federal and free-zone. Ready for what's mandated next.

The Operating Lifecycle

One platform, the entire flow.

Employer

Contribution

Reconciliation

Fund Pricing

Trade Execution

Member Portfolio

Withdrawal

Reporting

Employer

Contribution

Reconciliation

Fund Pricing

Trade Execution

Member Portfolio

Withdrawal

Reporting

Inside the Platform

A platform with real operational depth.

Member administration
Scheme configuration
Fund & NAV price management
Contribution processing
Bank reconciliation
Trade instruction lifecycle
Withdrawals & settlements
Dashboards & reporting
AI insights
API integrations

Illustrative views. Full platform shown under NDA.

Engagement Models

Choose the model that works for you.

Platform Only

The technology layer

Employer, member & back-office portals
Scheme configuration & fund management
Contribution processing & reconciliation
Portfolio & strategy management
Trade lifecycle & withdrawals
Dashboards, AI insights & APIs

Platform + Administration

Technology + experienced operations support

Full platform capabilities
Onboarding & scheme setup
Contribution monitoring & reconciliation
Member servicing & exception handling
Valuation oversight & reporting
Compliance evidence packs

SaaS / Managed / Licensed

Commercially flexible deployment

SaaS or white-labelled deployment
Managed service options
Enterprise licence models
Regional & sovereign hosting
Strategic institutional partnerships
Custom deployment architectures

Use Cohlay as your platform, your operating partner, or both.

Hosting & Data Sovereignty

Hosting decisions matter.

Workplace savings platforms hold sensitive employer, member, contribution, investment and identity data; hosting is now a board-level, regulatory and client-confidence issue.

UAE hosting options

Sovereign hosting pathways

Regional deployment flexibility

Environment separation

Secure infrastructure

Resilience planning

Integration-ready architecture

Regulated FS controls

"A serious market needs serious infrastructure decisions."

Already in the market?