MNZL

Mnzl (Arabic: منزل, meaning 'home') is a Cairo-based fintech startup that has become the first company in Egypt to obtain dual fully digital licenses — one for digital mortgage financing and one for digital consumer finance — from Egyptian financial regulators. The platform enables Egyptians to unlock capital from assets they own, positioning itself as a digital wallet for wealth trapped in real estate and other assets. Founded in 2023 by Sameh Saleh (previously founder of Harmonica/Hawaya, acquired by Match Group), Mnzl raised $3.5M to expand access to mortgage and consumer lending through a fully digital, mobile-first experience. The company operates under regulatory oversight from Egypt's financial authorities and targets the large underserved segment of Egyptians with assets but limited access to formal credit.