THE MIDDLE EAST’S

50. Flouci (by Kaoun) *

Description: Financial services app
Headquarters: Tunisia, Netherlands
Date of Establishment: 2020
Founders: Nebras Jemel, Anis Kallel

Flouci, a financial super-app for Africans, offers free IBAN-linked bank accounts, savings accounts, and TND-denominated virtual and physical cards. It also provides a mobile wallet with cardless ATM cash-out, in-person cash transactions via corner stores, and options to pay bills and recharge phones. As of December 2024, the app had over 305,000 downloads, and 67,000 active users, and had processed over $91.2 million in transactions. Fully licensed in Tunisia, Flouci plans to expand into Morocco, Algeria, and Benin in 2025. In 2024, it was registered as a payment facilitator to extend services to businesses and aims to launch SoftPOS and check scanning features in Tunisia.