What is the name of your organization?
Dinarak
What is the name of your solution?
Digital InstaRemit by Dinarak
Provide a one-line summary or tagline for your solution.
Bridging distance with impact—low-cost remittances that help families survive, grow, and dream beyond borders.
In what city, town, or region is your solution team headquartered?
Amman, Jordan
In what country is your solution team headquartered?
Jordan
What type of organization is your solution team?
For-profit, including B-Corp or similar models
Film your elevator pitch.
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What specific problem are you solving?
Millions of Gulf Cooperation Council, European, and North American Jordanian expatriates endure long delays, exorbitant fees, and complex procedures to repatriate remittances to Jordan. We only attempted to remit a remittance to a worker in Dubai very recently, and the process was expensive, time-consuming, and tedious with numerous steps to make only one remittance.
The traditional remittance networks are extremely costly, with poor exchange rates, and long verifications. The majority of migrant workers utilize informal channels and lose money through fraud, delay, or total loss. During emergencies—such as doctor visits or school fees—such delays can be catastrophic.
Exorbitant fees eat into the earnings that families use for basic needs, savings, and education, repeating financial vulnerability cycles. Despite remittances equivalent to 9% of Jordan's GDP, MENA region fees are among the highest, which limits possible effect. Numerous Jordanians are also unbanked, closing them off from formal remittance channels.
Dinarak responds to these issues with a Sharia-compliant, low-cost, real-time cross-border remittance service. By leveraging Aysar's cutting-edge technology along with ZAMZAM's global agent network, Dinarak offers safe, fast, and affordable money transfers—thereby empowering migrant workers and enabling financial inclusion for poor families in Jordan.
What is your solution?
At Dinarak, we try to change the existing status quo by rendering international remittances for Jordanians abroad less expensive, faster, and more convenient. Conventional remittance corridors tend to be expensive, time-consuming, and inconvenient, particularly for underserved and unbanked segments.
Dinarak offers a safe, cost-effective, and real-time solution supported by Jordan's largest exchange house and an extensive network of over 3,000 agents. Our Sharia-compliant remittance product offers convenient digital transfers, allowing migrant workers, students, and professionals to send money home without any hassle.
Why Dinarak?
Reduced fees and competitive exchange rates facilitate affordable cross-border transactions.
✅ Instant, Real-Time Transfers – Quick and easy transfers.
✅ Largest Agent Network (3,000+ outlets) – Easy cash access across Jordan.
✅Sharia-compliant and secure financial products that are trustworthy.
✅ Effortless Digital Access & Fintech Integration – e-wallets and API support.
✅ Strong Government & Institutional Backing– Reliable and impactful.
By leveraging 35+ years of experience, Dinarak is transforming cross-border remittances, delivering low-cost, fast, and inclusive financial services to Jordanians worldwide.
Who does your solution serve, and in what ways will the solution impact their lives?
Dinarak's International Remittance Service serves Jordanians abroad, including migrant workers, students, professionals, and entrepreneurs, enabling them to send money home affordably, securely, and in real-time. It also supports their families, MSMEs, and underserved communities in Jordan, who depend on remittances for daily living, education, and business growth.
For families and individuals (B2C), Dinarak provides low-cost, secure remittances via e-wallets and 3,000+ agent locations across Jordan. It promotes Digital Financial Services (DFS) adoption, enabling bill payments, savings, and QR merchant transactions, expanding financial access for the unbanked.
For businesses and enterprises (B2B), Dinarak facilitates cross-border remittances for workers, salary payments, and petty cash management. It drives financial inclusion by integrating digital payments, rewards, and loyalty programs, increasing engagement across merchant networks.
For government and NGOs (B2G), Dinarak enables bulk fund disbursements, aid payments, and financial literacy programs. Through partnerships with NAF, GIZ, USAID, and Mercy Corps, it empowers women, youth, and refugees with digital financial tools and economic opportunities.
Dinarak bridges the financial gap with low-cost, Sharia-compliant services, promoting financial literacy, job creation, and entrepreneurship. Aligned with UN SDGs, it delivers fast, affordable, and inclusive remittance solutions, ensuring economic empowerment for Jordanians worldwide.
