Ubeyy - WhatsApp Finance for Islamic Auto Card

Ubeyy is the UAE's first Shariah-compliant auto credit card, letting drivers pay for insurance, down payments, tolls, and servicing in 0% interest instalments. We built the WhatsApp messaging engine - real-time, automated, and deeply integrated - to meet customers where they already are.

THE PROBLEM

Why Traditional Finance Notifications Don't Work in the UAE

The UAE has one of the highest WhatsApp penetration rates in the world - over 90% of smartphone users rely on it as their primary communication channel. For a financial product targeting everyday drivers, defaulting to email or SMS for transactional notifications meant messages were missed, trust was eroded, and the user experience felt disconnected from people's actual digital habits.

Ubeyy's auto credit card operates across a complex set of touch points: insurance payment approvals, toll charge summaries, down payment disbursements, instalment reminders, and Shariah compliance confirmations. Each of these needed to reach users instantly, in a format they trust, with context-rich content - not a generic push notification.

Brainspack was brought in to design and build a WhatsApp messaging layer that could handle the full lifecycle of customer communication: from onboarding confirmations and OTP verification to real-time transaction alerts and smart repayment nudges - all within WhatsApp Business API.

The Challenges

WhatsApp API Template & Approval Management

Managing Meta-approved WhatsApp templates for alerts, OTPs, and payment reminders.

Real-Time WhatsApp Transaction Notifications

Delivering instant payment and transaction alerts with low-latency infrastructure.

Shariah-Compliant Financial Messaging

Creating Islamic finance-compliant WhatsApp communication without Riba-related terms.

Arabic & English WhatsApp Support

Handling bilingual WhatsApp messaging with RTL Arabic formatting support.

UAE TDRA Consent & Opt-In Compliance

Managing user consent, opt-ins, and real-time opt-out compliance for WhatsApp messaging.

Smart WhatsApp Reply & Query Routing

Building automated routing for payment queries, disputes, and instalment requests.

Technologies Used
WhatsApp Business API
Twilio
Node.js

PostgreSQL

AWS SQS

Docker

Redis

Figma

A Messaging Engine Built for Fintech-Grade Reliability

Brainspack architected the WhatsApp messaging system as three integrated layers: a Trigger Layer to capture and queue financial events, a Template Engine to compose Shariah-appropriate, bilingual messages, and a Delivery Layer to dispatch, track, and handle responses through WhatsApp Business API.

Real-time event trigger automation and instant notification icon
Real-Time Event Triggers

Financial events - toll charges, insurance debits, instalment dues, OTP requests - are published to an AWS SQS queue the instant they occur. A Lambda consumer picks each event, enriches it with user context, and dispatches the appropriate WhatsApp template within seconds.

Bilingual Template Library

A structured library of Meta-approved WhatsApp message templates covering 14 notification types in both English and Arabic. Templates use dynamic variables for amounts, dates, and card details, with right-to-left formatting validated across device types.

Shariah Language Compliance Layer

A content validation layer ensures all message copy uses Islamic finance-appropriate language. Terms like "profit rate" and "deferred payment" are used in place of interest-bearing equivalents, with every template reviewed against Murabaha contract standards.

Inbound Reply Engine

A stateful webhook handler processes user replies and routes balance checks, payment disputes, and opt-out requests to the appropriate service in real time.

Consent & Opt-Out Management

A PostgreSQL-based consent system manages user opt-ins and opt-outs in real time, ensuring compliant message delivery across all WhatsApp queues.

Admin Dashboard & Message Logs

A React.js admin dashboard provides real-time visibility into message delivery, failed dispatches, opt-out trends, and WhatsApp template performance.

Our Solutions

AI Automation Engine

Built intelligent workflows to automate repetitive processes.

Scalable Architecture

Built a cloud-based system capable of handling large-scale operations.

Real-Time Analytics

Implemented dashboards to provide instant business insights.

UI / UX Optimization

Designed intuitive interfaces for seamless user interaction.

Technologies Used
ReactJS

NodeJS

AWS

Docker

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Figma

Figma is a cloud-based design and prototyping tool, enabling collaborative real-time editing for teams. It features powerful vector editing, interactive prototyping, and supports design consistency through components and styles. With cross-platform accessibility, Figma streamlines the entire design process from creation to developer handoff.

Adobe XD

Adobe XD is a powerful design and prototyping tool that simplifies the creation of user interfaces and experiences. With a user-friendly interface and robust features, it enables designers to efficiently design and prototype websites and applications. Collaboration is seamless, and interactive prototypes allow for thorough testing of designs, making it a go-to tool for UI/UX professionals.

Photoshop

Adobe Photoshop is a powerful raster graphics editor used for image editing, retouching, and manipulation. It provides a wide range of tools for creating and enhancing digital images, including layers, filters, and various effects. Widely used by photographers and designers, Photoshop is an industry-standard software for professional image editing and graphic design.

HTML

HTML stands as the fundamental framework for web content, employing tags to meticulously structure and visually present information

CSS

CSS styles web content, enhancing visual appeal through design, layout, and presentation for immersive user experiences

JavaScript

JavaScript powers dynamic web behavior, enabling interactive features, animations, and seamless user experiences on websites.

ReactJS

ReactJS revolutionizes web development with a declarative, component-based approach, fostering efficient, scalable, and interactive interfaces.

Angular

Angular empowers application development, delivering a solid structure for creating dynamic, scalable, and feature-rich experiences effortlessly.

React Native

React Native streamlines cross-platform mobile app development, ensuring efficiency and code-sharing between iOS and Android platforms.

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Uizard

Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.

Galileo AI

Galileo AI is an advanced AI design tool that generates high-fidelity UI designs from simple text prompts. It helps designers and teams quickly turn ideas into visually appealing app and website interfaces without starting from scratch.

Google Stitch

Google Stitch is an AI-powered design tool that quickly transforms ideas into high-quality UI designs, generating layouts and components from simple inputs to make the design process faster, easier, and more efficient.

Node.Js

Node.js fuels server-side JavaScript, facilitating scalability and efficiency in web applications and APIsA.

PHP

PHP is a server-side scripting language for dynamic web development. Popular backend language with the Laravel framework for building secure and structured web applications.

Python

Used for rapid backend development, building APIs, and handling data-driven applications with simple and clean syntax.

Feature

Streamline your business operations.

  • Add a feature section about the product.
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  • Single upfront payment.
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UI UX designer

1 days Ago

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Strong Solutions

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Our Pricing

Select the pricing plan that best suits your needs.

save 40%

Simplified

For individuals and small teams with unlimited trial access.

$19.00

Monthly

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  • Single Payment
  • Selling your own items
  • Powerful integration

Basic

For individuals and small teams with unlimited trial access.

$3342.00

Monthly

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  • Unlimited Bandwidth
  • Promotional Tools
  • Single Payment
  • Single Payment
  • Selling your own items
  • Powerful integration

Enhanced

For individuals and small teams with unlimited trial access.

$4800.00

Monthly

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  • Selling on your own conditions
  • Seamless integrations
  • Real-time streaming
Uizard
Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.
Uizard
Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.
Uizard
Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.
Uizard

Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.

Uizard

Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.

Uizard

Uizard is an AI-powered design tool that helps users quickly create UI/UX designs, wireframes, and prototypes without needing advanced design skills. It allows you to turn ideas, sketches, or text prompts into fully designed interfaces in minutes.

Measurable Impact

The platform delivered measurable business impact through high-speed WhatsApp communication, reliable transactional messaging, bilingual customer engagement, and scalable fintech-grade infrastructure tailored for the UAE market.

98.7%

WhatsApp Delivery Rate

<1.5s

Avg. Event-to-Delivery Latency

14

Approved Message Templates

2x

Languages (EN + AR)

Quality Outcomes

Instant Customer Trust

Users receive real-time WhatsApp confirmations for every transaction - tolls, insurance, instalments - the moment it happens, eliminating uncertainty and building confidence in the platform.

Reduced Support Tickets

The inbound reply engine resolves the most common queries - balance checks, instalment schedules, payment confirmations - entirely within WhatsApp, reducing load on the support team.

Regulatory Confidence

Full TDRA-compliant opt-in flows and Shariah-appropriate language in every template meant Ubeyy launched with zero compliance flags from regulators or Islamic finance oversight bodies.

Scalable by Design

The SQS-Lambda architecture was load-tested to handle 10,000 concurrent message dispatches - ready for Ubeyy's user growth without infrastructure changes.

Higher Customer Engagement

Personalised and interactive WhatsApp communication increased customer response rates and improved overall user engagement with the platform.

01
Message Flow Mapping
Successfully launched the WhatsApp platform with full testing and production deployment.
02
Template Design & Approval
Created bilingual WhatsApp templates with Meta-approved Shariah-compliant messaging.
03
AWS Event Queue Architecture
Built scalable AWS SQS and Lambda infrastructure for real-time fintech notifications.

How We Built Aura

01
Discovery & User Research
Built where mental health chatbots fail — steady, emotionally intelligent.
02
Architecture & System Design
Two-layer architecture — fast backend for sessions, AI layer for conversation.
06
Deployment & Monitoring
Deployed on AWS via Docker, integrated WhatsApp through Twilio, with monitoring and a continuous improvement loop.
Aura
Delivered
03
Prompt & Conversation Design
We shifted from rule-based prompts to a principle-driven design, building and testing conversation patterns for real-world scenarios.
05
Model & Quality Assurance
Tested GPT-4o and GPT-4.1, identified key failure modes, and built a quality-check layer to catch them before reaching users.
04
Memory System Development
Built a parallel memory pipeline — fetching profiles, session history, and past moments before every conversation.

How We Built Ubeyy

04
Twilio WhatsApp API Integration
Integrated Twilio WhatsApp API for secure message delivery and webhook handling.
07
Product Delivery & Go-Live
Successfully launched the WhatsApp platform with full testing and production deployment.
06
Admin Dashboard & AWS Deployment
Built the React.js admin panel and deployed the platform on AWS with monitoring support.
05
Smart Inbound Message Routing
Developed automated WhatsApp reply routing with Redis-based session management.

How We Built Aura

01
Discovery & User Research
Built where mental health chatbots fail — steady, emotionally intelligent.
02
Architecture & System Design
Two-layer architecture — fast backend for sessions, AI layer for conversation.
06
Deployment & Monitoring
Deployed on AWS via Docker, integrated WhatsApp through Twilio, with monitoring and a continuous improvement loop.
Aura
Delivered
03
Prompt & Conversation Design
We shifted from rule-based prompts to a principle-driven design, building and testing conversation patterns for real-world scenarios.
05
Model & Quality Assurance
Tested GPT-4o and GPT-4.1, identified failures, and added a quality-check layer before user delivery.
04
Memory System Development
Built a parallel memory pipeline — fetching profiles, session history, and past moments before every conversation.

What Makes Ubeyy Unique

Shariah-Compliant Message Language

The only WhatsApp messaging layer in UAE auto finance to use Islamic finance terminology throughout - reviewed and validated by Ubeyy's Shariah compliance team for every template.

Sub-2-Second Delivery from Financial Event

The SQS-Lambda architecture ensures users receive their WhatsApp notification within two seconds of any financial transaction - not minutes, not hours.

Native Arabic Right-to-Left Support

Full bidirectional text support in both outbound templates and inbound reply parsing, ensuring Arabic-speaking users receive perfectly formatted messages on any device.

Inbound Keyword Intelligence

Users can query their account, check instalment schedules, or escalate a dispute entirely within WhatsApp - no app switch required. The reply engine handles it all automatically.

Granular Consent Architecture

Per-user, per-message-type opt-in state ensures marketing messages never reach users who opted out, while critical transactional notifications are always delivered as required by regulation.

Operator-Ready Admin Tooling

A full dashboard gives the Ubeyy team complete visibility and control - delivery analytics, failed message queues, opt-out tracking, and template performance - without engineering support.

Project Screenshots

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The WhatsApp integration Brainspack built has become the most-appreciated part of the Ubeyy experience. Our users tell us they trust the card because they always know what's happening - every toll, every payment, every instalment - instantly on WhatsApp. And the fact that every message feels aligned with Islamic finance principles wasn't an afterthought; it was built in from the start.
Alternative Text: Default user profile avatar icon
Product Lead, Ubeyy
UAE's First Islamic Auto Credit Card

Common Questions About This Project

Ubeyy is the UAE's first Islamic auto credit card, offering 0% interest instalments on car insurance, down payments, toll charges, and vehicle servicing. The WhatsApp messaging feature solved the core customer communication problem: in a market where over 90% of users rely on WhatsApp as their primary communication channel, Ubeyy needed to deliver real-time, trustworthy transaction notifications and reminders natively within WhatsApp - not email or SMS.

The UAE has one of the world's highest WhatsApp adoption rates. For Ubeyy's target audience of UAE drivers, WhatsApp is where they communicate with family, businesses, and services daily. Push notifications require app installation and permission grants that reduce reach. SMS lacks rich formatting and is widely associated with spam. WhatsApp delivered higher open rates, richer message formatting, and crucially, two-way communication - letting users query their account balance or instalment schedule by simply replying.

Every message template was designed in collaboration with Ubeyy's Shariah compliance team. Terminology was carefully chosen to reflect Islamic finance principles - "deferred payment" and "profit rate" replace interest-bearing equivalents, and instalment confirmations reference the underlying Murabaha contract structure. A content review layer was built into the template management workflow to ensure future templates also pass compliance before submission to Meta.

The messaging engine is built on a Node.js backend with AWS SQS for event queuing and AWS Lambda for message dispatch. Twilio handles the WhatsApp Business API connection, managing outbound template sends, delivery webhooks, and inbound message routing. Redis stores session state for conversational flows. PostgreSQL manages user consent and message logs. The admin dashboard is built in React.js and deployed via Docker on AWS.

When a user replies to any Ubeyy WhatsApp message, a Twilio webhook delivers the message payload to the Node.js API. A keyword detection engine classifies the intent - balance query, instalment schedule, dispute, opt-out - and routes it accordingly. Balance and schedule queries return automated responses populated from the financial database in real time. Dispute and support keywords create a CRM ticket and send an acknowledgement. Opt-out keywords update the consent state immediately via Redis.

Yes. The architecture behind Ubeyy's WhatsApp messaging engine - event-driven queuing, Meta-approved template management, bilingual support, inbound routing, and regulatory consent management - is adaptable across any fintech, banking, or financial services product operating in WhatsApp-dominant markets. If you need a production-grade WhatsApp communication layer for a financial product, Brainspack has the experience to deliver it.

Building a fintech product that needs WhatsApp at its core?

Brainspack LLP builds production-grade WhatsApp integrations for financial products - from template architecture and API integration to inbound routing and compliance tooling. We'd love to hear about your project.

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