Aani is modernizing the payment infrastructure of the UAE, which supports any payment from peer-to-peer (P2P) and peer-to-merchant (PSM) transactions. 

The payment application allows fund transfers using just a recipient's mobile number, email address or QR code, eliminating the need for complex identifiers like IBANs. 

For individuals, Anai's inclusive features empower users by providing a seamless and user-friendly platform for customers of Licensed Financial Institutions and other Payment Service Providers of the UAE to benefit from instant payment services. Customers can transfer funds up to AED 50,000 instantly and conveniently, 24/7, enhancing financial flexibility for users and breaking down barriers to financial access. 

Merchants will soon experience a new way of accepting payments through innovative Aani services based on QR codes and Requests to pay conveniently and securely in physical and digital shops.