Financial control infrastructure
Money that knows what it is for.
Kayan puts an institution’s own rules inside the moment money moves. Every card payment and every payout is approved or refused before it happens — not discovered weeks after.
See Kayan in one minute- Live with the CBJ committee and Holyland Insurance
- Founded 2024 · Amman, Jordan
Rules engineRunning live programmes with
- CBJ committeeCash disbursement
- Holyland InsuranceInsurance disbursement
- Al-Alawneh ExchangeCash-out partner · 52+ branches
The shift
Rules before the transaction. Not a report after it.
Today
- Release
- Spend
- Reconcile
- DiscoverWeeks later
Control arrives at reconciliation, weeks later — when the money has already gone.
With Kayan
- Define
- Release
- DecideWhile it happens
- Know
The rules travel with the money. Every payment is decided while it happens, and its reason is kept.
Solutions
One engine. Three solutions.
All three run on the same rules engine, the same approvals and the same audit trail — so an institution can start with one and add the others without a new system.
Expense management
LiveCorporate cards with the company’s policy built in — decided at the till, not at the month end.
For banks and their corporate clientsSee expense managementCash disbursement
LivePayouts released under the programme’s rules and collected in cash through a partner branch network.
For insurers, government programmes and committeesSee cash disbursementCard & wallet disbursement
Coming soonThe same payouts, to a card or a mobile wallet — still governed after release.
For insurers, employers, governments and aid agenciesSee card & wallet disbursementIn six scenes
Kayan for banks, in one minute.
It plays by itself. Choose any scene, or pause it to read.
Your corporate card knows one thing: its limit.
How it works
Six steps, every time.
The same six steps whether the money is a fuel budget, an insurance settlement or a monthly grant.
Money is placed where the programme can use it.
A company account, a claims pool, a payout float or a donor grant.
The institution keeps the money and the licence. Kayan keeps the rules about it.
Rules are set against it.
Programmes, budgets, merchants, categories, limits, schedules and approvals.
By default, a material change waits for a second person, and every change is recorded as it was before and after.
- Fuel · MCC 5541 · JOD 150 a month
- Meals · MCC 5812 · JOD 80 a month
- Online payments · off
An instrument carries it.
A card or a cash release — always in the institution’s own brand, with wallets coming soon.
A physical card carries the same credential as its virtual twin, so nothing resets when the plastic arrives.
Every payment is approved or refused while it happens.
Card gates first, then the most specific matching rule, then the allowance is held.
There is no fallback, and every answer carries a coded reason the person can read in plain words.
- Card gates
- Rule matched
- Allowance held
Every movement is visible as it happens.
To the institution, the organisation and the person — each seeing only what belongs to them.
A figure nobody has reported is shown as unreported, never as zero.
Fuel stationJOD 35.000
Fuel stationJOD 35.000
Fuel stationJOD 35.000
The month closes on figures already reconciled.
Reconciled as they occurred, not rebuilt at the month end.
Dashboards, reports and exports share one definition of every figure.
Who uses it
Three surfaces. One programme.
The names change with the sector. The engine underneath does not — choose a sector to see how.
Institution portal
Brings on organisations, funds the programme, supervises operations and reports on it.
- Onboarding
- Funding and credit
- Operations and audit
Organisation portal
Issues the instruments, sets the rules and budgets, approves changes and closes the month.
- Issuing
- Rules and budgets
- Approvals
Mobile app
Sees what the money can do, why a payment was refused, and asks for what they need.
- Balance and limits
- A reason for every refusal
- Requests, lock and report
See a live programme in thirty minutes.
We will onboard an organisation in front of you, set its rules and put a payment through — approved at one merchant, declined at the next, with the reason recorded both times.