Raya: Revolutionizing Employee Financing with BNPL Innovation

Raya Trade, a market leader since 1996 and Egypt’s largest distributor and retailer of consumer electronics and home appliances, has launched a new digital product powered by Uniparticle. The new platform, Raya Elite, is the first of its kind in the region, designed to provide financing for employees within the Raya Business Network. This B2B-B2E model enables employees to access a closed-loop credit limit, allowing them to buy now, pay later (BNPL) for any product offered by Raya Trade.

At Uniparticle, we leveraged our deep expertise in fintech solutions, credit limit management, eKYC, and financial services integration to develop and launch the Raya Elite platform. Our responsibilities included:

System Architecture & Development: Designing a scalable and secure platform to support the complex financing model.


App Backend & Middleware: Building a robust backend system that seamlessly connects the financial loan layer with the e-commerce platform.


E-commerce Integration: Developing and integrating an extensive catalog of over 80,000 SKUs into the platform.


Mobile Application Development: Creating a user-friendly mobile app for employees to access and manage their credit limits and purchases.

ERP Integration: Seamlessly integrating with Raya Trade’s existing ERP system to ensure accurate financial and inventory data synchronization.

Massive SKU Management: Handling the integration and performance optimization for a vast catalog of over 80,000 SKUs while ensuring smooth user experience.

Financial Loan Middleware: Developing a middle-layer that connects the financing module with the e-commerce system, ensuring secure and efficient loan processing.
Tight Timeline: Delivering a fully functional platform under an aggressive timeline, requiring efficient project management and execution