Wio Bank, in partnership with the Abu Dhabi Securities Exchange (ADX), has launched what the two organizations describe as the UAE’s first fully digital Loan Against Investments solution, enabling investors to access financing without selling their publicly listed shares.
The new service allows eligible investors to use ADX-listed shares as collateral while remaining invested in the market, giving them access to liquidity without sacrificing potential capital appreciation or dividend income.
Unlocking Liquidity Without Selling Investments
Traditionally, investors seeking cash have often been forced to liquidate part of their portfolios, interrupting long-term investment strategies and potentially missing future market gains. Investment-backed lending has generally been reserved for institutional clients and high-net-worth individuals through private banking services.
Wio’s new offering brings this capability to retail investors through its mobile platform, allowing customers to pledge eligible ADX-listed shares directly within the Wio Personal app. Once financing is repaid, the pledged shares return to the investor’s portfolio.
A Fully Digital Borrowing Experience
The entire process—from pledging securities and receiving financing to repayment—is completed digitally through the application, eliminating much of the paperwork and manual processing traditionally associated with secured lending.
Behind the platform, ADX provides the regulated share-pledging infrastructure, ensuring the process remains secure, transparent and compliant with market regulations.
Expanding Wealth Management Services
The launch represents another step in Wio Bank’s strategy to expand beyond digital banking into a broader wealth management ecosystem. The platform already provides access to stocks, exchange-traded funds (ETFs), commodities, virtual assets, fractional bonds and other investment products.
Adding investment-backed financing enables customers to invest, manage and now borrow against their portfolios without leaving the same digital ecosystem.
Supporting the UAE’s Financial Market Evolution
The partnership also reflects the UAE’s broader efforts to modernize its financial markets through digital innovation. As retail investors become increasingly sophisticated, demand continues to grow for financial products that provide greater flexibility while supporting long-term investment strategies.
For ADX, the initiative aligns with its wider objective of expanding investor services and encouraging long-term participation in the UAE capital markets by providing investors with additional financing options that do not require liquidating their holdings.
Why It Matters
Loan-against-investment products have traditionally been associated with private banking and wealthy investors. By making this capability available through a fully digital platform, Wio Bank and ADX are helping democratize access to more sophisticated wealth management tools.
As Abu Dhabi continues strengthening its position as a regional financial hub, digital services that combine investment, banking and financing are expected to play an increasingly important role in attracting both local and international investors.
