Financial sustainability for the mission, with governance that is enforced, not just written

FINTO classifies the association's funds, identifies the investable surplus, and routes every opportunity through documented approval gates to the portfolio and the report. AI analyses, recommends and shows its sources; the decision always rests with the board.

Enter the demo How governance is enforced

Governance you can trustPolicy limits, conflicts of interest and separation of duties are enforced before any approval, and every decision is recorded.

Sustainability built on a foundationWaqf principal and restricted donations stay protected; only the surplus is invested, within the risk appetite.

A platform for a whole sectorAn optional network for co-investment and benchmarking, with each board's consent.

The problem

Funds sit idle and decisions leave no trace

Many associations hold a surplus that could fund their mission for years, yet it stays in a current account because the path from surplus to a governed investment is unclear, and no one wants to carry a decision without a record.

Unclassified surplus

Waqf, restricted and general donations and operating surplus sit in one account, so no one knows what may be invested and what may not.

Decisions without a trail

Committees meet over email, minutes are written after the meeting, and conflicts of interest surface late.

Reports compiled by hand

The board, the auditor, the supervising authority and donors each ask for different figures, and no figure has a source to trace back to.

The four layers

A stable governance framework, digitised layer by layer

FINTO does not invent a new framework; it builds the established framework for charitable investment into software that enforces it.

Strategic factors

Before any investment: does regulation allow it? Does it fit the mission? How much can be invested without touching programmes?

The regulatory environment and the association's bylaws
The list of excluded sectors
Risk appetite and its limits
Fund classification and the investable surplus

Roles and responsibilities

Each role sees and approves only what it holds, and every action is attributed to its owner.

Board: policy and final approval
Investment committee: study and recommendation
Executive management: linking returns to the operating budget
The commercial arm, investors and the auditor

Governance and compliance rules

Rules checked automatically before approval, not clauses in a policy file.

Legal and financial separation from the owned company
Concentration and liquidity limits
Conflict-of-interest disclosures and matching
An immutable audit log and profit distribution

The investment cycle and its gates

From sourcing to the portfolio, with risk as a continuous layer, not a last step.

Opportunity sourcing
Due diligence
Structuring and negotiation
Portfolio and risk management

One deal through the gates

No opportunity advances a step without a recorded human decision

Follow one opportunity from surplus to report. At each gate there is a named decision-maker, a specific version of the file and a timestamp.

Demo opportunity: a partnership in a logistics services centreFictional dataEntity: Al-Birr Association in Al-Ahsa (demo)OPP-2026-014

Completed gate
Commercial arm
Opportunity sourcing
Sector checked: not on the exclusion list · Logged by: investment manager
Completed gate
Investment committee
Due diligence
Recommendation to proceed with a full quorum · one member recused for a conflict of interest
Completed gate
Board of directors
Structuring and approval
Recorded approval: board chair · file version 3 · Within limits
Current gate
Executive management
Portfolio and report
Funding and project setup · quarterly indicators · a board report with a documented approval

Risk: a continuous layerConcentration limits, the risk register and stress scenarios are monitored throughout the life of the investment, and warn before a limit is breached.

The board cockpit in the demo: pending decisions, limit monitoring and the fund wall — Screenshot from the demoThe board cockpit opens on what awaits its decision, then portfolio safety, then the fund wall.

Guardrails

What policy forbids does not pass, and AI shows its basis

Governance is not a warning that can be skipped. Three cases from the demo that the system itself stops, and an AI draft that shows its inputs and sources before anyone decides.

Concentration limit exceeded

Approval blocked

The opportunity raises exposure to a single sector above the limit the board set in policy. The approve button is not shown at all, and the attempt is recorded in the audit log.

Conflict of interest

Recusal required

Automatic matching between related parties and members' disclosures, allowing for variations in how Arabic names are written. The member concerned does not vote and does not see the deliberation.

Separation of duties

Action refused

Whoever prepared the file does not approve it, and whoever approved the distribution does not execute it. The rule lives in the data layer, not the interface.

Every decision is a link in a hash-chained audit trail #a3f9…c21#c21…8e04#8e04…1b7d

Early warning on a portfolio project

AI draft, not a decision

Actual revenue against budget in the last quarter exceeds the approved variance rule. Requesting an explanation from the company's management before the next committee meeting is suggested.

Inputs: Q3 indicators submitted by the company · the linked budget line · the variance rule
Reasoning: Actual compared with planned on a single line, with no assumptions about next quarter
Sources: Project file PRJ-07 · committee minutes 12 · investment policy version 4
Log: Model, version, time, user and tenant, in the AI log

There is no “Apply” button. The only action: refer to the committee, by a human decision.

The network

A sector that learns from itself, and each board owns the disclosure decision

An optional module connecting participating associations without exposing any one's data unless its board decides.

Co-investment

Opportunities offered to other associations at the minimum disclosure level the board sets; the legal mechanism for pooling can be configured per opportunity.

Disclosure by board decision

Benchmarking

Anonymous sector-level indicators: classification ratios, gate times and quorum completion. No amounts and no returns.

Anonymous

Library

Policy templates, bylaws and minutes, and opportunity-file templates, improving with every association that joins.

Shared

Trust

Designed for hosting in the Kingdom
Designed to host each entity's data inside the Kingdom of Saudi Arabia, isolated from every other entity at the data layer.
Designed to align with the controls
Designed to align with the NCA essential cybersecurity controls and the Personal Data Protection Law. We do not claim an accreditation we have not obtained.
Regulated services by provider model
Any service requiring a Capital Market Authority licence is delivered through a licensed partner or entity, specified per service.
We hold no funds
FINTO does not execute transactions or hold client funds; it governs the decision and documents it.

See one deal from surplus to report in about ten minutes

Enter the demo Talk to us

A demo with entirely fictional data, in Arabic and English and at phone width.