ZainCash is an Iraqi fintech company founded in 2016 and licensed that same year by the Central Bank of Iraq. It operates a mobile wallet and suite of electronic financial services that allow individuals, businesses, and government entities across Iraq to send, receive, and manage money digitally. Since its launch, the platform has facilitated billions of Iraqi dinars in transactions, serving customers from individual users to large organisations.
The company operates in a market that has historically been heavily cash-dependent, and its platform is designed to bring practical digital payment infrastructure to that environment. Beyond payments, ZainCash describes its offering as an expanding digital ecosystem aimed at driving broader financial inclusion across Iraq.
ZainCash has received recognition within the regional fintech industry. Forbes ranked it among the top fintech companies in the Middle East in 2023, 2024, and 2025. It received a "Telecom Lead Innovation" award in 2019 and has been nominated by GSMA for its "Best Mobile Innovation supporting Emergency" award.