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Mosadad is the United Arab Emirates’ first regulator-supervised digital claims recovery and settlement platform. It enables insurers, banks, regulators, and traffic authorities to operate within a unified ecosystem that automates inter-insurer recovery, reconciliation, and reporting, enhancing transparency, speed, and regulatory compliance across the insurance sector.

The current inter-insurer recovery process in the UAE is highly manual, fragmented, and prone to delays, often taking between 12 and 36 months to complete. Mosadad resolves these inefficiencies by introducing a standardized, fully digital workflow that automates communication, verification, and settlement between insurers, reducing recovery time from months to hours while ensuring complete traceability.

Mosadad has been developed in collaboration with major institutional and regulatory stakeholders, including: Central Bank of the UAE (CBUAE): Regulatory authority and national oversight. UAE Insurance Federation (UIF): Governance and insurer coordination partner. RAK Bank: Licensed settlement and escrow partner. RAK Court: Judicial validation for digital evidence and transactions. Traffic Authorities: Integration partners Insurance Companies: Both claimant and at-fault entities participating in the recovery cycle.

As of 2025, 28 of the 38 licensed insurers in the UAE have joined or expressed interest in the Mosadad platform. The current CBUAE-supervised pilot includes five to six insurance companies, with full national onboarding targeted for completion by 2026..

The CBUAE-approved pilot has demonstrated the following measurable outcomes: Settlement time reduced: From 90 days to under 72 hours. Dispute reduction: Over 80% decrease in inter-insurer disputes. Administrative cost reduction Compliance: RAK Court–recognized digital audit trails for all transactions.

Mosadad functions as a digital clearing and settlement rail for the insurance industry. It automates the full claims recovery lifecycle from claim submission and liability determination to reconciliation and payment through a regulator-approved and bank-integrated infrastructure. The platform is directly connected with RAK Bank’s financial gateway, enabling real-time, secure settlements between insurers, while simultaneously providing the CBUAE with a live monitoring and reporting dashboard.

Mosadad’s architecture is designed for reliability, scalability, and regulatory-grade security. Key components include: Backend: .NET Core framework with Angular frontend. Database: MongoDB NoSQL hosted on Microsoft Azure. Security: Azure B2C authentication, CI/CD pipelines via GitLab, Docker, and Terraform. AI & Automation: Liability adjudication and fraud analytics with 90%+ accuracy. Integration: API gateway connecting insurers, traffic authorities, and financial institutions.

The platform is hosted on the UAE sovereign cloud, ensuring compliance with CBUAE cybersecurity guidelines and Federal Data Protection Law No. 45 of 2021. All data transfers are encrypted, and every transaction is fully auditable through the CBUAE regulator dashboard, ensuring real-time oversight and accountability.

Unlike legacy systems that rely on manual reconciliation or bilateral communications, Mosadad introduces a unified, regulator-endorsed infrastructure. It integrates financial institutions, regulators, and insurers into a single, compliant ecosystem—enabling automated settlements, eliminating paper-based disputes, and providing real-time financial visibility across the industry.

Mosadad aims to evolve into the GCC’s first Insurance Clearing House—a licensed regional infrastructure for the clearing and settlement of all insurance-related financial and data transactions, including premiums, claims, commissions, and recoverables. This vision positions Mosadad as the “SWIFT for Insurance”, fostering transparency, liquidity efficiency, and regulatory alignment across the entire regional insurance ecosystem.

Abdulla K. A. Y. A. Abdulla – Chief Executive Officer Emirati business leader specializing in governance, national initiatives, and investor relations. Ahmed Alashkar – Chief Operating Officer 18+ years of experience in claims management, underwriting, and InsurTech operations. Eng. Ahmed Alsyah – Chairman & Chief Technology Officer Veteran systems architect behind multiple UAE e-government and national digital infrastructure programs.