finpeel Answers · UAE · updated 2026-08-14
Yes, if the platform carries on a regulated lending, arranging or financing-platform activity. The exact permission depends on the jurisdiction and whether the platform lends from its own balance sheet or matches investors and borrowers.
P2P lending can cross both credit and capital-markets perimeters. The legal form of the lender, the investor participation and the platform’s role in arranging or operating the financing are decisive.
Do not assume a marketplace model is unregulated because the platform itself does not fund the loan. Map origination, underwriting, investor participation, servicing and client-money roles.
Regulator: CBUAE / UAE CMA / ADGM FSRA / DFSA as applicable
Primary sources: UAE CMA — Regulations · ADGM FSRA — Private Financing Platforms
Directional — not legal advice. Verify with the regulator before committing.