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GCC & Pakistan · Odoo 19 · AI-Powered

The Complete Business OS for GCC & Pakistan.

ERP + AI CFO + B2B Marketplace in one platform. Two modules permanently free — UAE VAT, ZATCA, and FBR included.

2Free modules, always
12+Odoo modules
3Countries compliance
AED 0Setup fee
The platform

Three products. One platform.

Mumtaz ERP

Full Odoo 19, multi-tenant. UAE VAT, ZATCA, and FBR built in. Accounting, inventory, HR, payroll — two modules always free.

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ZAKI AI CFO

Voice-first AI financial partner. Reviews your numbers overnight and speaks every morning — and calls you by your first name.

B2B Marketplace

Buy from every other Mumtaz SME inside your Odoo purchase-order screen. 1.5% fee, automatic journal entry.

Modules

Everything your business needs. Two free forever.

All modules activated and managed from app.mumtaz.digital — no technical knowledge required. Add or remove anytime.

Accounting, HR, and all paid modules install in one click from your control panel.

Your AI CFO

Meet ZAKI ذكي — your AI CFO

Speaks to you every morning. Knows your numbers.

  • Calls you by your first name. Says “we” and “our”.
  • Reviews your AR, cash, VAT, and payroll overnight.
  • 60-second voice briefing before your day starts.
  • Pushes back when the numbers don't support your plans.
  • 8 panels: Briefing, Health, Chat, Opportunities, Risks, Invest, Intel, Board Pack.
Try ZAKI →
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ZAKI · AI CFO
Watching your numbers
🌅 Morning Briefing · Today
“Good morning, Muhammad. Yesterday was strong — revenue hit AED 84,200, putting us 12% ahead of last week. Gulf Interiors is 18 days past due on AED 31,500 — I'd call them before noon. VAT filing is due in 9 days; estimated liability AED 12,400.”
Revenue AED 184K ↑Cash 67d runwayAR Overdue AED 31.5K
Accounting

Professional accounting, built into your ERP.

Full double-entry accounting. Included. One click to activate.

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Chart of Accounts

UAE, Saudi, and Pakistan-compliant CoA pre-loaded. Multi-currency: AED, SAR, PKR, USD.

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Bank Reconciliation

Import statements, auto-match transactions, clear reconciliation interface.

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Financial Reports

P&L, balance sheet, cash flow, trial balance, aged AR/AP — generated live from Odoo.

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AP & AR

Full payable and receivable tracking with aging reports and payment reminders.

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Audit Trail

Every transaction logged, immutable, and exportable.

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Multi-Company

Run multiple entities? Consolidate financials across all companies in one view.

Activate Accounting — $20/month →
For organisations

White-label Mumtaz for your SME network.

Banks, free zones, and chambers can offer Mumtaz as a branded business suite to their SME clients — under their identity, at their pricing. Managed from a dedicated dashboard inside app.mumtaz.digital.

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Banks
🏢
Free Zones
🤝
Chambers
🏭
Enterprises
💼
Consulting
📱
Neo Banks
500 active SMEs × $15/month = $90,000 / year new recurring revenue. Your brand. Your pricing. We run the entire platform.

Your org gets an isolated Odoo database and branded portal.

SMEs sign up at {your-brand}.mumtaz.digital — see only your brand.

Two modules free for every SME. You set the price for the rest.

Mumtaz bills you per active SME. You keep the margin.

Talk to us about your network →
Compliance

UAE · Saudi Arabia · Pakistan. Built in. Free.

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UAE

TLV QR on every invoice, FTA auto-submission, TRN validation, VAT return prep.

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Saudi Arabia

ZATCA Phase 2, UBL 2.1 XML, cryptographic signing, API clearance.

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Pakistan

FBR IRIS XML, NTN-based compliance, direct portal submission, GST 18%.

These modules are permanently free and installed automatically for every tenant.
Pricing

Simple pricing. Free to start.

Starter
$49/month
  • E-Invoicing & CRM (free)
  • Full Accounting Suite ($20)
  • Inventory & Purchasing ($20)
  • Customer & Vendor Portals
Start Starter
Most Popular
Growth
$199/month
  • Everything in Starter
  • HR & Payroll ($25)
  • Projects & Timesheets ($12)
  • ZAKI AI CFO ($35)
  • B2B Marketplace ($15)
Start Growth
Enterprise
Custom
  • Everything in Growth
  • Manufacturing (MRP)
  • Embedded Finance SDK
  • Dedicated implementation
  • Custom Odoo modules
Contact Us

All plans include E-Invoicing and CRM free. No setup fee. No contract.

FAQ

Questions, answered.

Contact

Let's talk.

Tell us about your business or your SME network — we reply within one business day.