Emirates Digital Wallet (EDW) is a financial technology company based in the UAE, operating under the UAE Banks Federation and supported by the Central Bank of the UAE. Established through a collaboration of 15 national banks, EDW aims to enhance digital payment solutions, reduce cash dependency, and promote financial inclusion. The company operates the klip mobile payment app, which allows users to store, send, and receive money digitally using only a UAE SIM card. Key features of the app include peer-to-peer transfers, bill payments, and merchant transactions. EDW also offers business solutions for secure payroll distribution and payment processing, providing an alternative to traditional banking. The platform ensures interoperability among UAE national banks and complies with local financial regulations, aligning with the UAE’s Smart Government initiative.