AI Agency · Software Studio · Fintech & Compliance

Software done right,
by a team you can trust.

We're the software team growing businesses keep on speed dial — for your website, your app, your automation. You get a clear price before we start, a working demo every week, and software you own outright when we hand it over.

Fixed quotes · weekly demos · you own the code · security-first
Trusted by teams building with AI
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Services

One studio for AI and everything it runs on

AI work only pays off when the software around it is solid. We build both — the intelligence and the product it lives in.

AI Automation & Agents

Agentic workflows that take real work off your team's desk — document processing, reconciliation, approvals, reporting — with human-in-the-loop controls and a measured baseline.

Website Development

Marketing sites, portals, and web applications — fast, accessible, search-ready, and built to convert. From a five-page company site to a full customer platform.

Mobile Applications

iOS and Android apps, native or cross-platform — designed, shipped to the stores, and maintained. One codebase or two, chosen for your budget and roadmap.

Custom Software

Line-of-business systems built around how you actually work — ERPs trimmed to size, internal tools, integrations, and databases your team will genuinely use.

Desktop Software

Windows and cross-platform desktop applications for operations that live on the workstation — point of sale, scanning stations, data entry, offline-first tools.

Fintech & Compliance Systems

Platforms for markets where the regulator sets the roadmap — e-invoicing, records retention, digital signature, audit trails. This is where WATHIQ was born.

Every engagement is fixed-scope and fixed-price where possible, delivered by one accountable team — strategy, build, and operations under one roof.

Products

Three products. One promise: they earn their keep.

Two AI agents and a compliance platform — built to run your sales, your paperwork, and your back office while your team does the real work.

Flo.
AI Sales & Outreach Agent

Flo finds your prospects, writes outreach that sounds like you, follows up politely, and books meetings straight into your calendar — so your pipeline moves even at 2 AM.

  • Lead sourcing & enrichment
  • Personalised email & LinkedIn sequences
  • Auto follow-ups & meeting booking
  • CRM sync + weekly pipeline report
Talk to us today →
Flagship
WATHIQ
Document & Compliance Platform

The UAE-native document management system — capture, OCR, workflow, retention, audit — with UAE PASS e-signature and FTA e-invoicing built in. Deployed on your own server.

  • Native UAE PASS e-signature
  • FTA-ready e-invoicing (PINT AE)
  • Full Arabic / RTL interface
  • Perpetual licence · unlimited users
Talk to us today →
Penny.
AI Back-Office Agent

Penny reads your invoices, matches them to orders, chases approvals, and hands your accountant a clean, reconciled book every Monday morning. She watches every penny.

  • Invoice capture & OCR extraction
  • 3-way matching & reconciliation
  • Approval chasing & reminders
  • Hands off e-invoices to WATHIQ
Talk to us today →

WATHIQ up close

Built for the FTA e-invoicing mandate arriving 1 January 2027 — a document system bought today should already speak that language.

  • Native UAE PASS e-signature — legally sign documents inside the platform
  • FTA-ready e-invoicing (PINT AE) — built for the mandatory regime arriving 1 January 2027
  • Full Arabic / RTL interface — localized from the ground up, not bolted on
  • Installed on your own server — perpetual licence, unlimited users, every module included
All-in licence

One licence — every module included, unlimited users

~6 weeks

From kickoff to a live, trained deployment

100% yours

Perpetual licence on your own server — data never leaves

2027-ready

FTA e-invoicing mandate (MD 243 & 244 of 2025) built in

Process

A fixed, transparent path to production

The same playbook whether it's an AI pilot, a mobile app, or a WATHIQ deployment — most projects are live in about six weeks.

Discover

Requirements workshop with your teams. We map the workflows, the data, and what success looks like in numbers.

Design

Scope, architecture, and a fixed quote. You see the plan — screens, integrations, milestones — before we write code.

Build

Short cycles with something working to look at every week. No six-month silence, no surprise at the end.

Run

Training, handover, and go-live. Support and updates continue under a light annual plan — or your team takes the keys.

Why PennyFlo

Built where regulation meets ROI

We're not a body shop and not a demo factory. We ship systems that survive audits and earn their keep.

You own everything

Code, data, and licence are yours. On your servers where it matters — nothing held hostage, no per-seat rental.

Fixed prices, real scopes

A quote you can take to your CFO. The business case is written down before the first line of code.

Compliance is home turf

E-invoicing, retention, e-signature, audit trails — we build for regulators by default, not as an afterthought.

One accountable team

Strategy, design, engineering, and operations under one roof. One contract, one throat to choke, one deadline.

See WATHIQ live this week

Walk your team through a real deployment — or scope your website, app, or automation project with a fixed quote.

Book a call →