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The GCC Wealth Ecosystem
ثروة — the Arabic word for wealth

Your financial life.
One ecosystem.

The GCC's first wealth ecosystem — Academy, PFM with Sanad AI, Advisory and Investment Marketplace. Arabic-first, Sharia-aware. Turn income into wealth.

Explore →Start with Academy
SANAD AIYOUR COMPANIONسَنَدACADEMYEducatePFMPlanADVISORYInvestMARKETGrow
Thrwa · ثروة · Built in the GCC, for the GCC.
A single journey

Four stages. One platform.

01

Educate

Certifications, bootcamps & masterclasses.

02

Plan

Cash-flow, net-worth & AI nudges.

03

Invest

Vetted funds, Sukuk & alternatives.

04

Grow

Advisor coaching & succession planning.

One ecosystem · Four lines

Each line compounds into something no GCC competitor offers.

Academy

Thrwa Academy

From curiosity to certified wealth-builder.
  • Foundation — Level 1
  • Wealth Building — Level 2
  • Advanced — Level 3
  • Corporate Wellness
PFM · Sanad AI

Thrwa PFM + Sanad AI

One dashboard. An AI that nudges.
  • Net-Worth Dashboard
  • Goal-Based Planning
  • Sanad AI behavioural nudges
  • Free trial for Academy graduates
Advisory

Thrwa Wealth Advisory

IPS in your pocket. Real advisors.
  • Financial Plan
  • Portfolio Construction
  • Investment Policy Statement
  • Advisor Coaching & Succession
Market

Thrwa Market

Funds, Sukuk, alternatives — vetted.
  • Product Listing & Distribution
  • Featured Promotion
  • Insurance & Banking
  • Estate Planning
Thrwa Academy

Where literacy becomes wealth.

Three certification tracks — each unlocking deeper access to PFM, Advisory and Marketplace.

Level 1 · Beginner

Foundation

6 modules · 5 hrs · Budgeting, Debt, Saving, Islamic Finance

Level 2 · Intermediate

Wealth Building

7 modules · 8 hrs · Ratios, Insurance, Retirement, Goal Planning

Level 3 · Premium

Investment & Wealth Mgmt

7 modules · 10 hrs · MPT, IPS, Estate, VC/PE

LEVEL 1 · BEGINNERFoundationFinancial Literacy6 modules · 5 hoursBudgeting · Debt · Saving · Islamic FinanceLEVEL 2 · INTERMEDIATEWealth BuildingPersonal Finance & Wealth Mgmt7 modules · 8 hoursRatios · Insurance · Retirement · Goal PlanningLEVEL 3 · PREMIUMInvestment & Wealth MgmtAdvanced Certificate7 modules · 10 hours · MPT · IPS · Estate · VC/PE

Special tracks

Kids & Teens

Money habits & Halal investing, ages 8–18.

Women Wealth

Financial leadership, inheritance rights & long-horizon investing.

For SMEs

Founder pay, capital raising & exit planning.

PFM · Plan

Thrwa PFM + Sanad AI

One view across cash, investments, real-estate & debts — with an Arabic-first AI companion that turns data into action.

9:41Good morning, SaraYour Net WorthKWD 42,580▲ +3.4% this monthCASH FLOW · MAY+ 980 KWDIncome 2,400 · Expenses 1,420SSanad AISurplus is 18% above plan. Move200 KWD to Sukuk for Hajj 2027?GOAL · HOUSE62% complete

One view. Always-on companion.

Sanad (سَنَد, 'support') reads your finances and delivers personalised guidance on what moves your wealth forward.

Always-on

Arabic or English answers — not Google.

Smarter decisions

"Can I afford this?" simulations with cash-flow impact.

Allocation

Flags drift & triggers rebalancing.

Retirement

Am I on track? Modelled continuously.

Full Sanad AI capabilities

Wealth plan

Goal-based plan that updates with life events.

Product match

Filters funds & alternatives against your IPS.

Debt & refi

Pay-down order & refinance opportunities.

Risk gaps

Spots insurance & estate gaps.

Behavioural coaching

Catches panic-selling, FOMO & lifestyle creep.

Human escalation

Routes complex decisions to a certified Advisor.

Thrwa Wealth Advisory

Institutional rigour at mass-affluent prices.

For 5K–500K USD in investable assets. A real plan, not a brochure.

DISCOVERY

Risk profile

→
PLAN

Financial Plan

→
PORTFOLIO

Construction

→
IPS

Policy Statement

→
REVIEW

Coaching

→
LEGACY

Succession

Inside an IPS

  • Risk parameters & tolerance
  • Asset allocation framework
  • Liquidity rules & reserves
  • Rebalancing cadence
  • Sharia compliance restrictions
  • Beneficiary mapping

Succession & estate

Wealth-transfer roadmap, family governance & Sharia-compliant inheritance coordination — refreshed annually.

  • Kuwait · UAE · KSA inheritance law
  • Cross-border expatriate structures
  • Insurance & trustee coordination
Thrwa Market

Plans become products.

Vetted products — matched to your IPS, suitability-checked.

Funds & ETFs

Mutual funds, ETFs, money market

Sukuk & Bonds

Sharia & conventional fixed income

Real Estate

REITs, funds, development

Alternatives

PE · VC · Infrastructure · Credit

Insurance & Takaful

Life · Health · Property

Banking

Savings · Deposits · Mortgages

Estate Planning

Wills · Trusts · Sharia

For Employers · HR Leads

Financial wellness as a measurable outcome.

Thrwa as a workplace benefit — workshops, courses & engagement metrics shared with HR.

  • Foundational Money — budgeting, debt & saving.
  • Retirement Planning — mid & late-career employees.
  • Investment Awareness — leadership & high-potential talent.
  • White-Label Pilot — co-branded HR portal.
Book a demo →
B2B contracts
Per-learner pricing
Completion targets
NPS targets

Quarterly Business Review

Attendance, NPS & curriculum recommendations each quarter.

Partner with Thrwa

Build the GCC wealth ecosystem with us.

Institution, advisor, trainer, or investor — there's a way in.

Banks · Funds · Insurers

Distribution Partner

List on Thrwa Market & tap our mass-affluent funnel.

Get started
Trainers · Universities

Academy Partner

Run certifications & masterclasses. 60/40 revenue share.

Apply to teach
Advisors · CFAs · FPWMPs

Advisor Network

Deliver Plans, IPS & coaching to GCC clients on our platform.

Join the network
Estate Planners · Legal

Estate Planning Partner

Wills, trusts & Sharia inheritance through Thrwa journeys.

Partner with us
Talent

Build With Us

Engineers, designers, partnerships — Kuwait & remote GCC.

See open roles
Investors

Seed Round Open

250,000 KWD on a SAFE. Pitch deck on request.

Request diligence pack
FAQs

Quick answers about Thrwa.

Is Thrwa Sharia-compliant?
Sharia-aware by design — both compliant and conventional portfolios, a Zakat calculator, and Islamic Finance fundamentals in Level 1.
What does the PFM subscription include?
5 KWD/month: cash-flow tracking, net-worth dashboard, goal planning, Sanad AI & financial vault. Academy graduates get a 30-day free trial.
How does the Advisor consultation work?
50 KWD/hour video or in-person session. Sanad AI prepares a context pack so the advisor focuses on decisions, not data-gathering.
Which markets does Thrwa operate in?
Live in Kuwait. KSA & UAE follow in Months 7–24 with DFSA / ADGM / CMA licensing. Arabic and English from day one.
How is my data protected?
UAE & KSA PDPL compliant. AML/KYC via a regulated provider with enhanced due-diligence above regulatory thresholds.
Who picks Thrwa Market products?
Licensed institutions only. Each product is suitability-reviewed, risk-classified, and matched to your IPS. Thrwa earns 2.5% distribution — aligned with your outcome.
How do advisors / trainers join?
Apply via Partners. We review credentials, run a demo, and onboard you to a 60/40 revenue share with incentives for top-rated partners.
Get in touch

Ready to turn income into wealth?

User, institution, advisor, HR lead or investor — we respond within 2 business days.

Email Abdulaziz →Become a partner