Who is a white-label gratuity platform for?

Banks with fund management licences, fund managers moving into workplace savings, and regional institutions launching a workplace savings or alternative end-of-service benefits proposition without building an administration platform themselves.

Does the platform cover the full end-of-service benefits lifecycle?

Yes. The platform covers employer onboarding, contribution processing, bank reconciliation, fund pricing and NAV, trade execution, member portfolios, withdrawals and settlement, and reporting and compliance.

Where does the data sit?

Cohlay is DIFC-incorporated and hosted on Azure’s UAE regions, with data residency inside the UAE.

White-Label Platform

White-Label Workplace Savings Infrastructure for the UAE

Q: What is a white-label workplace savings platform?

A white-label workplace savings platform is technology infrastructure that runs the operational lifecycle of a workplace savings, gratuity or alternative end-of-service benefits scheme, delivered under the sponsoring institution’s own brand. The institution keeps its licence, fund range and client relationship; the platform provider runs the administration underneath.

A white-label workplace savings platform is technology that runs the operational lifecycle of a workplace savings, gratuity or alternative end-of-service benefits scheme, delivered under the sponsoring institution's own brand. Cohlay is a UAE-built, UAE-hosted platform for banks, fund managers and institutions that want to offer workplace savings and end-of-service benefits to their clients without building the administration engine themselves.

·Your brand·Our infrastructure·UAE-hosted·Bilingual by design

Speak to the team For fund managers

What we provide

The machine, not the logo on the cup.

Your funds, your brand and your client relationships sit at the front. The platform underneath — the portals and the administration that make a workplace savings scheme actually run — is what Cohlay provides.

Your brand

Bank, fund manager or institution front-end with your identity, tone and channels.

Member & employer journeys

Onboarding, self-service, statements and communications in Arabic and English.

Scheme configuration

Contribution rules, vesting, allocation, FX handling and reporting per scheme.

Contribution processing

File ingestion, validation, exception handling and payroll cycle support.

Bank reconciliation

Matching contribution files to cash receipts before pricing units.

Fund pricing & NAV

Daily unit pricing and NAV calculation on a defined operational cycle.

Trade execution & settlement

Batched trade instructions, allocations and settlement workflows.

Withdrawals & payouts

Verified leaver flows, settlement inside the regulated payment window.

Reporting, audit & compliance

Employer, member, fund manager and regulatory reporting from one ledger.

Who it is for

A white-label gratuity platform for institutions that already have the front.

Use case

Banks with fund management licences

Extend your fund range into workplace savings for your corporate client book without building an administration platform in-house. Cohlay runs behind your brand while you keep the licence, the fund set and the client relationship.

Use case

Fund managers entering workplace savings

Meet the operational shape of the UAE Savings Scheme or DIFC DEWS without extending a retail or private wealth back office sideways. Keep the CMA licence and the fund range; delegate the workplace lifecycle.

Use case

Regional institutions launching a scheme

Take a workplace savings or alternative end-of-service benefits proposition to market with a platform aligned to UAE frameworks by design rather than by configuration.

For a longer, market-level view on why UAE banks are moving on white-label delivery now, and the four things a bank should evaluate before signing, see our companion article on white-label workplace savings administration for UAE banks.

What to evaluate

Six checks before you put your brand on someone else's infrastructure.

Data residency

Company details, member records, contribution history and reconciliation artefacts held on infrastructure physically located inside the UAE.

Operational depth

The full monthly lifecycle end to end — contribution processing, bank reconciliation, pricing, trade execution, withdrawals and reporting — not just a member portal.

Integration surface

Connections to fund managers, custodians, employers, MoHRE and regulators, designed for the way UAE workplace savings actually operates.

Bilingual by design

Arabic and English of equal weight across statements, member journeys and employer experience — not translation as a layer.

Brand isolation

Your customers see your name on every touchpoint. Cohlay's infrastructure sits behind the counter, not on it.

Regulatory alignment

Aligned with Cabinet Resolution No. 96 of 2023 (federal Savings Scheme), DIFC DEWS and ADGM arrangements by architectural design.

Understand the market underneath.

Regulation

The Alternative End of Service Benefits Scheme in the UAE

The voluntary federal scheme, contribution rates and what happens to accrued gratuity.

Read

Regulation

UAE labour law and end-of-service benefits

The statutory floor for gratuity and how the voluntary alternative sits above it.

Read

Infrastructure

Building a workplace savings platform for the UAE

Why the operational shape of a UAE workplace savings platform has to start from UAE facts.

Read

Your brand. Our infrastructure. The UAE workplace savings market.

If you are an institution assessing a white-label workplace savings, gratuity or end-of-service benefits platform for the UAE, we would rather have the operational conversation than the sales one.

Contact the team For fund managers