Agyal: Fixed Income
for the Digital Age
The UK's first mobile-native platform giving retail and HNW investors direct access to bonds, gilts, Sukuk and government securities — with yields 2–3x higher than traditional bank savings.
£500B is trapped in low-yield savings accounts
£500B+
UK retail savings earning below 2.5% APY
£18trn
Global fixed income market — virtually no retail access
92%
Of retail investors have never traded a bond
The savings gap
Why the gap persists
Bond markets require Bloomberg terminals and institutional brokers
Minimum trade sizes of £50,000–£200,000 exclude retail investors
No mobile-first, consumer-grade bond platform exists in the UK
Banks have no incentive to offer higher-yielding alternatives
Agyal brings institutional bond markets to your phone
Mobile-first
Trade bonds, view live yields, and manage your portfolio entirely from a smartphone — no desktop required.
Low minimums
Access gilts from £5,000 and corporate bonds from £10,000. Fractional orders planned for seed launch.
Global coverage
50+ bonds across UK, EU, USA, Saudi Arabia, Malaysia — including Sukuk for Islamic finance investors.
Real-time pricing
Live indicative prices and YTM. Transparent commission from 0.25% — no hidden spreads.
Regulatory-grade
Built to FCA and MiFID II standards. Segregated client assets. Designed for licensing from day one.
Full cash suite
Integrated cash account with cards, bank transfers, standing orders and multi-currency support.
A multi-trillion addressable market with no dominant retail player
£18trn
Global fixed income market (BIS, 2024)
£2.1trn
UK retail investable assets (FCA, 2024)
£250bn
UK retail ISA market — largely in cash or equities
Target Segments
Retail investors (ISA, SIPP)
~8M eligible UK adults
High-net-worth individuals
£250k–£5M liquid assets
Islamic finance / Sukuk
3.3M UK Muslims, global demand
Family offices (MENA)
GCC investors seeking UK access
Competitive Landscape
High-margin, transaction-based revenue with platform stickiness
Trade Commission
0.25–0.35% per trade
Primary revenue stream
FX Conversion
0.5% spread on cross-currency
EUR/USD bond purchases
Premium Accounts
£49/mo — analytics, alerts, priority
Planned Q2 2026
Custody / Admin
0.15% p.a. AUM fee
Scaled at £50M+ AUM
Unit Economics (Illustrative)
£45,000
Average trade size
£135
Commission per trade
8
Avg trades per customer/yr
~£1,080
Revenue per customer/yr
~£120
Customer acquisition cost
< 7 weeks
Payback period
Pilot-ready with a working platform
Completed
Full web and mobile platform prototype (this demo)
50+ bond catalogue — Gilts, EU Sovereigns, Corporates, Sukuk, US Treasuries
Multi-currency cash account, cards, bank transfers, bills
Order flow, portfolio analytics, coupon calendar
FCA compliance architecture scoped and reviewed
Investor pipeline — MENA and UK family offices engaged
Roadmap
FCA application filed, custodian MOU signed
Closed beta — 200 HNW pilot users
Public launch, ISA wrapper, Android / iOS apps
Premium tier, fractional bonds, MENA expansion
£250M AUM target, Series A, secondary trading desk
Built by fintech, banking, and fixed income experts
Ahmed Ramadan
CEO & Co-founder
Fintech product, MENA capital markets, prior exits in payments infrastructure
Fixed Income Lead
CIO & Co-founder
10+ years Gilt and IG credit trading at a tier-1 UK bank
Head of Engineering
CTO
Ex-Revolut, ex-Monzo — built regulated retail banking apps at scale
Regulatory Lead
CCO
FCA authorisation, MiFID II, COBS — 15 years in UK financial services compliance
Islamic Finance Advisor
Shariah Board
Sukuk structuring, AAOIFI standards, GCC investor relations
Advisors
Board
Senior figures from HSBC Asset Management, Barclays Wealth and UK FinTech community
Seed Round: £2.5M
We are raising a seed round to complete FCA authorisation, build the native apps, and onboard our first 500 paying clients.
35%
£875K
FCA licensing & legal
30%
£750K
Engineering & apps
20%
£500K
Growth & marketing
15%
£375K
Ops & working capital
£2.5M
Seed target
12%
Equity offered
£21M
Pre-money valuation
18 mo
Runway
All financial projections are illustrative and based on assumptions. Past performance is not indicative of future results. This page is for qualified investor discussion only and does not constitute a regulated financial promotion.