Botim Money Launches Digital Silver Investing in UAE from AED 10

{getToc} $title={Table of Contents}

botim enables silver investing from AED10 for UAE retail users.

Botim Money has launched digital silver investing inside its app, with a minimum investment of AED 10.
The feature is available to eligible UAE-based users via the Invest tab, extending the existing digital gold offering.
The product is built on botim's partnership with OGold, the Emirati precious metals platform that underpins the gold service.
Botim's digital gold feature has recorded around 128,000 trades worth over AED 100 million since its August 2025 launch.
Global silver markets face a projected sixth consecutive annual supply deficit of around 67 million ounces in 2026.
The launch continues botim's development into a MENA fintech super-app combining communications, payments, and regulated investing.

Shariah-Compliant and Regulated: The Framework Behind Botim's Fractional Silver Push

Botim Money's digital silver launch arrives within a UAE regulatory environment that increasingly encourages accessible, app-based financial products for retail users. The offering is built on the same infrastructure that OGold - the Emirati precious metals platform - already operates for digital gold, and is structured to meet Know Your Customer (KYC) and anti-money laundering (AML) standards consistent with UAE Central Bank (CBUAE) requirements for eligible users. According to Zawya and Khaleej Times, the product is explicitly described as regulated, with fractional digital silver ownership sitting inside a familiar fintech environment rather than a traditional brokerage.

The gold product already operates under a Shariah-compliant leasing structure, generating yields of around 3 percent annually in grams, in line with global gold lease rate benchmarks. This Islamic finance model - where returns come from leasing rather than interest - provides the established template for how the silver product may evolve. For UAE professionals assessing this launch, the combination of regulatory clarity and faith-aligned structuring is a meaningful part of its market appeal.

How the Digital Silver Feature Works

Users access digital silver through the Invest tab in the botim app, the same location as the existing gold feature. From there, they can place buy or sell orders for fractional silver positions, track holdings in real time, and manage their precious metals portfolio alongside other botim financial tools. No physical silver changes hands, and users have no obligation to arrange third-party storage or work with traditional bullion dealers.

The minimum investment is AED 10 - considerably lower than the entry point for physical silver bars or coins. The product targets eligible UAE-based users, with eligibility determined by KYC and residency criteria. Coverage from Tbreak Media and MEXC notes that access outside the UAE has not yet been confirmed, though botim's communications platform extends across the wider MENA region and beyond.

Gold Performance Provided the Commercial Case

The silver launch follows the August 2025 debut of botim's digital gold product, which was introduced in partnership with OGold and made botim the first fintech platform in the MENA region to integrate gold investment inside a digital communications ecosystem. That product allows users to invest from 0.1 grams and earn Shariah-compliant yields through a leasing arrangement.

Since launch, the gold feature has recorded approximately 128,000 in-app trades with a total transaction value exceeding AED 100 million, according to coverage from Zawya and Magzter. This uptake demonstrates robust retail demand for precious metals via a familiar app environment - and provided the commercial rationale for extending the model to silver. OGold's infrastructure and custody framework, already proven for gold, underpins the silver feature using the same technical and regulatory setup.

Silver Market Context: Supply Deficits and Retail Demand

Tbreak Media's coverage of the launch cites industry forecasts projecting a sixth consecutive annual global silver supply deficit in 2026, with an estimated shortfall of around 67 million ounces. This structural tightness, driven by a combination of industrial use and investment demand, reinforces the commercial narrative for a retail silver product at this point in the market cycle.

Bandar Alothman, chairman and founder of OGold, is quoted in Khaleej Times as saying the collaboration aims to make precious metal ownership simple, secure, and accessible to millions of users. He added that digital silver holdings are intended to generate returns through structured investment solutions, rather than remaining idle in a user's portfolio.

What This Means for UAE Retail Investors

For UAE-based investors, the AED 10 minimum removes the principal barrier to silver market access. Physical silver typically demands larger upfront outlays, plus ongoing costs for storage, insurance, and resale logistics. A regulated, fully digital alternative within an app that over 8 million UAE users already use for calls and payments changes the access equation substantially.

Botim's trajectory - from communications app to MENA fintech super-app spanning messaging, payments, remittances, and now regulated investing - reflects a broader trend in UAE digital finance. The UAE's position as a regional hub for technology-driven financial products, including app-based wealth management and digitised real-world assets, provides a supportive context for this kind of expansion. As Khaleej Times notes, the silver launch is aimed in part at users who may never open a traditional brokerage account or visit a bullion dealer - broadening access to an asset class that has historically required higher capital and specialist knowledge to enter.