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 Sahl, a leading mobile digital payment and bill settlement platform, has signed a cooperation protocol with Klivvr, an innovative digital financial ecosystem. The partnership allows Klivvr customers to pay their installments directly through the Sahl application, offering them a highly flexible and fully controlled digital payment experience.

Streamlining Financial Obligations

Under this agreement, Klivvr users can now settle their installments anytime and anywhere through a secure and seamless digital interface powered by Sahl's robust technological infrastructure.

This collaboration reflects a growing trend toward integrating FinTech platforms with digital payment solutions. By expanding payment options, the partnership simplifies daily financial management for users, promotes reliance on electronic payment methods, and supports the state's broader vision of transitioning into a cashless economy.

Sahl's Expanding Payment Ecosystem

Since its launch in December 2019, Sahl has successfully solidified its position as one of the most prominent digital payment platforms in the Egyptian market.

Diverse Services: The platform facilitates the payment of over 200 different services, including electricity, natural gas, drinking water, telecommunications, and internet bills.

NFC Technology: Sahl utilizes Near Field Communication (NFC) technology, allowing users to recharge prepaid utility meters and cards directly from their smartphones in under a minute.

B2B Solutions: The company has also expanded its services to the business sector (B2B), offering advanced payment collection and digital payment acceptance solutions to drive merchant adoption.

Klivvr's Rapid Growth and AI Integration

Founded in Egypt in 2021, Klivvr provides integrated digital financial solutions, including payment and lending services, designed to give users greater control over their daily finances via a smart app and linked payment card.

CBE Approval (2023): The company reached a pivotal milestone by securing approval from the Central Bank of Egypt (CBE).

BNPL Launch (2025): Klivvr rolled out its Buy Now, Pay Later (BNPL) consumer finance product, offering credit limits up to EGP 500,000 with repayment periods extending to 60 months. It also introduced one-time financing for major purchases up to EGP 15 million, supported by a network of over 1,000 merchants.

AI and Ecosystem Expansion (2026): Klivvr launched K.ai, Egypt's first AI-powered smart financial assistant, which provides personalized spending insights. Furthermore, the introduction of the K.Points loyalty program and the K.Shop in-app marketing platform has propelled Klivvr's user base to over 700,000 users.