# Mahfathati

> Source: https://docs.barcoder.ai/docs/standards/mahfathati
> research date 2026-05-30 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [TIIB Launches the Multipurpose Mahfathati Service — Tadhamon Bank](https://www.tadhamonbank.com/en/news/121)
- [Mahfathati — Tadhamon Bank (affiliates)](https://www.tadhamonbank.com/en/affiliates/1)
- [Mahfathati-Tadhamon — Apple App Store](https://apps.apple.com/us/app/mahfathati-tadhamon/id1463475087)
- [Mahfathati-Tadhamon — Google Play](https://play.google.com/store/apps/details?id=com.tiib.mahfathati)
- [Tadhamon International Islamic Bank](https://www.tadhamonbank.com/en/)
- [Top Mobile Payment Apps in Yemen — Ezee Payment](https://ezeepayment.com/mobile-payment-apps-in-yemen/)

# Mahfathati

## Overview

**Mahfathati** (Arabic: محفظتي, "My Wallet") is the mobile e-wallet of **Tadhamon International Islamic Bank (TIIB)** in **Yemen**, providing QR-code merchant payments, P2P transfers, bill payments, mobile-operator recharge and internet-subscription payments <sup>[1][1], [2][2], [3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>. It is licensed by the **Central Bank of Yemen (CBY)** and was launched as a service in **February 2017** <sup>[1][1]</sup>; the consumer mobile application followed in **September 2019** and is currently distributed under the package name `com.tiib.mahfathati` on Google Play and as `id1463475087` on the Apple App Store <sup>[3][3], [4][4]</sup>.

The app's distinguishing structural feature is its **cross-wallet interoperability** — Mahfathati can transfer funds directly to and from rival Yemeni wallets **Jawaly**, **Floosak** (Al-Kuraimi Bank) and **One Cash**, on top of moving funds in and out of conventional bank accounts and ATMs <sup>[3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>. This positions Mahfathati as a hub inside Yemen's fragmented payment landscape rather than a closed-loop bank wallet.

## History

**1996 — Tadhamon International Islamic Bank (TIIB) founded** under Yemen's Islamic Banks Law as a Shariah-compliant commercial bank, headquartered in Sana'a <sup>[5][5]</sup>. The group later spawned related subsidiaries (Tadhamon Capital in Bahrain, Tadhamon Microfinance, TadhamonPay) <sup>[5][5]</sup>.

**28 February 2017 — Mahfathati service launched** by TIIB after completing "all CBY formalities and approvals", described at launch as "a method of electronic payment made by a mobile phone" supporting remittances, payments and purchases <sup>[1][1]</sup>. The launch explicitly opened the service to **both account-holders and non-account-holders** of TIIB — a deliberate strategy to extend reach beyond the bank's deposit base <sup>[1][1]</sup>.

**9 September 2019 — Mahfathati-Tadhamon iOS app v1.0** released by *Tadhamon International Islamic Bank* on the Apple App Store, formalising the mobile-first delivery channel <sup>[3][3]</sup>.

**2024-2025 — cross-wallet hub expansion.** Successive releases consolidated interoperability with rival Yemeni wallets (Jawaly, Floosak, One Cash) and added virtual Visa Card issuance, biometric login (Face ID / Fingerprint) and **SMS Mode for offline transactions** — a feature aimed at Yemen's unreliable connectivity <sup>[3][3]</sup>. Current app version **3.1.14**, released **24 April 2025** <sup>[3][3]</sup>.

**2025 — TIIB recognised** as the "First Yemeni Bank to receive Global Recognition as a Top Employer", with Mahfathati continuing to feature in the bank's retail product portfolio <sup>[5][5]</sup>.

## Technical specification

Mahfathati is a **mobile-app-mediated stored-value wallet** with QR-code transaction surfaces; public sources do not publish a wire-format specification, so this section documents what is observable from the app, the bank's site and the Yemen country report <sup>[1][1], [2][2], [3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>.

| Layer | Description |
|---|---|
| **Operator** | Tadhamon International Islamic Bank (TIIB) <sup>[1][1]</sup> |
| **Regulator / authorisation** | Central Bank of Yemen (CBY) — launch approved via formal CBY licence in 2017 <sup>[1][1]</sup> |
| **Currency** | YER (Yemeni rial) <sup>[Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup> |
| **Symbology** | [QR Code](https://docs.barcoder.ai/docs/standards/qr-code) (ISO/IEC 18004) — used for both merchant-presented payment QR and P2P receive-money QR <sup>[3][3]</sup> |
| **Underlying account model** | Stored-value e-wallet linked optionally to TIIB bank accounts and cards; open to non-account-holders <sup>[1][1], [2][2]</sup> |
| **Cash-in / cash-out** | TIIB branches and authorised agent network; transfer from TIIB account; ATM withdrawal where supported <sup>[2][2], [3][3]</sup> |
| **Connectivity** | Internet OR **SMS Mode** for offline transactions — designed for Yemen's intermittent data coverage <sup>[3][3]</sup> |
| **Authentication** | App PIN + biometric login (Face ID, Fingerprint) <sup>[3][3]</sup> |
| **Card overlay** | In-app issuance of a virtual Visa Card for online purchases including international e-commerce <sup>[3][3]</sup> |

**Cross-wallet rail**. Mahfathati moves funds **between wallets** — including non-TIIB wallets — over Yemen's domestic mobile-money network <sup>[3][3]</sup>:

- Mahfathati ↔ **Jawaly**
- Mahfathati ↔ **Floosak** (Al-Kuraimi Bank wallet)
- Mahfathati ↔ **One Cash**
- Mahfathati ↔ **Yemeni bank accounts via multiple bank channels**

Public sources do not document an EMVCo-MPM TLV profile, a national-QR routing switch, or a published merchant-template GUID; Yemen has no equivalent of NCHL's NEPALPAY QR or NAPAS's VietQR. QR interoperability between wallets is mediated at the **application** layer (Mahfathati interpreting Jawaly/Floosak/One Cash account references), not via a standardised wire format.

## Use cases

Mahfathati's QR-code surface, together with its account-to-account rails, supports a wide spread of Yemeni-market use cases <sup>[2][2], [3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>:

- **Merchant in-store QR payment** — scan a merchant's printed Mahfathati QR at point of sale <sup>[3][3]</sup>.
- **P2P send and receive** — generate a personal receive-money QR for friends and family to scan; settles instantly between Mahfathati wallets <sup>[3][3]</sup>.
- **Cross-wallet transfers** — send money from a Mahfathati account directly to a Jawaly, Floosak or One Cash account, bridging Yemen's otherwise siloed mobile-money networks <sup>[3][3]</sup>.
- **Mobile-operator prepaid recharge** — top up **SabaFon**, **YOU**, **Yemen Mobile** lines from within the app <sup>[3][3]</sup>.
- **Internet-package payment** — pay for ADSL and 4G subscriptions on **Aden Net**, **Yemen Net**, **Yemen 4G** <sup>[3][3]</sup>.
- **Utility and government-fee payment** — water, electricity, landline phone and government fees through the bill-payment surface <sup>[3][3]</sup>.
- **International e-commerce** — issue an in-app virtual Visa Card for online and cross-border purchases <sup>[3][3]</sup>.
- **Offline payment via SMS Mode** — execute transactions when data connectivity is unavailable, a feature pitched at Yemen's frequent power and network outages <sup>[3][3]</sup>.
- **Agent cash-in/cash-out** — load and unload the wallet through TIIB branches and the bank's authorised agent network, including for the unbanked population <sup>[2][2]</sup>.

## Implementations & ecosystem

There are **no public open-source encoders or SDKs** for Mahfathati; integration is closed and routed through the bank. The implementation surface is the two distributed apps and the bank's behind-the-counter merchant onboarding <sup>[3][3], [4][4]</sup>.

**Distributed apps** (closed-source):

| App | Platform | Publisher | Bundle / ID | Latest version | Released | Size |
|---|---|---|---|---|---|---|
| Mahfathati-Tadhamon | iOS | Tadhamon International Islamic Bank | `id1463475087` | **3.1.14** | 24 Apr 2025 | 130.9 MB <sup>[3][3]</sup> |
| Mahfathati-Tadhamon | Android | Tadhamon International Islamic Bank | `com.tiib.mahfathati` | latest in Google Play | active | — <sup>[4][4]</sup> |

**Adjacent TIIB / group products** (not the same wallet, but share the Tadhamon brand) <sup>[5][5]</sup>:
- **Tadhamon Mobile** — TIIB's general mobile-banking app for account-holders (separate from Mahfathati).
- **Madhmon** — TIIB-affiliated digital service.
- **TadhamonPay** — the group's payment services brand.
- **Tadhamon Capital** — Bahrain-based investment subsidiary.

**Yemeni-market peers** documented alongside Mahfathati in the country report <sup>[Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>:
- **Floosak** (Al-Kuraimi Bank)
- **One Cash**
- **Jawaly**
- **Cash E-Wallet** (multi-bank)
- **YCB Mobile** (Yemen Commercial Bank)
- **CAC Mobile** (Cooperative & Agricultural Credit Bank)

**No central national-QR scheme** is documented for Yemen — the cross-wallet interop is bilateral / application-layer rather than via a CBY-mandated TLV standard <sup>[Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>.

## Comparison

**vs. other Yemeni mobile wallets** ([Floosak](https://docs.barcoder.ai/docs/standards/floosak) / Al-Kuraimi, One Cash, Jawaly, YCB Mobile, CAC Mobile) — Mahfathati's differentiator is **TIIB's Islamic-banking pedigree** plus the **cross-wallet bridging** that lets it move funds out to rival networks; competing wallets are mostly closed loops within their issuing bank's customer base <sup>[3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>.

**vs. national-mandated QR schemes** ([UPI QR](https://docs.barcoder.ai/docs/standards/upi-qr), [VietQR](https://docs.barcoder.ai/docs/standards/vietqr), [NEPALPAY QR](https://docs.barcoder.ai/docs/standards/nepalpay-qr), [QRIS](https://docs.barcoder.ai/docs/standards/qris), [TR QR Code](https://docs.barcoder.ai/docs/standards/tr-qr-code)) — those rest on a central-bank-issued TLV standard with a national routing switch. **Yemen has no such mandated national QR standard** in the public record; Mahfathati's cross-wallet rail substitutes bilateral integrations for centralised orchestration <sup>[Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>.

**vs. closed-loop bank wallets** ([SIB UPI QR](https://docs.barcoder.ai/docs/standards/sib-qr), etc.) — most bank-issued QR products only collect into their own settlement bank. Mahfathati's published feature set includes outbound transfers to Floosak/Jawaly/One Cash, making it functionally closer to a payments-aggregator app than a bank-only wallet <sup>[3][3]</sup>.

## Fun facts

**SMS Mode for offline payments.** Mahfathati ships a dedicated **SMS Mode** that lets users execute transactions without an internet connection — a feature designed explicitly for Yemen's chronic power and connectivity disruptions <sup>[3][3]</sup>. Few national QR products elsewhere advertise an SMS fallback as a first-class feature.

**Open from day one to non-customers.** The CBY-approved launch announcement in **February 2017** went out of its way to state that Mahfathati serves "the public with or without accounts at TIIB" — explicitly inviting people without a TIIB bank account to use the wallet, in a market where most bank wallets are closed loops <sup>[1][1]</sup>.

**The wallet predates the app by ~2½ years.** Mahfathati launched as a **service** on **28 February 2017**, but the iOS app's first public release on the App Store is **9 September 2019** — meaning that for over two years the product ran via SMS, USSD, agent network and merchant onboarding before the consumer iOS app ever shipped <sup>[1][1], [3][3]</sup>.

**Cross-wallet hub in a country with no national QR scheme.** Where Vietnam has VietQR, Nepal has NEPALPAY QR / Fonepay, and Türkiye has TR Karekod centralising interoperability, Yemen has none — Mahfathati instead achieved interoperability bilaterally, listing **Jawaly, Floosak and One Cash** as supported counterparties on top of multi-bank account transfers <sup>[3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>.

## Status

**Active** and one of Yemen's primary mobile wallets <sup>[3][3], [Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>. The iOS app is at version **3.1.14** (24 April 2025) and the Android app is live on Google Play; both carry the *Tadhamon International Islamic Bank* publisher identity <sup>[3][3], [4][4]</sup>. The Yemen country corpus lists Mahfathati alongside Floosak and One Cash as one of the country's principal wallet rails, with QR support and broad bill-payment coverage <sup>[Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>.

No deprecation is indicated. TIIB continues to feature Mahfathati on its retail-banking and affiliate pages <sup>[2][2], [5][5]</sup> and the 2025 "Top Employer" recognition for TIIB indicates the parent institution is in good standing <sup>[5][5]</sup>.

## Sources

[1]: https://www.tadhamonbank.com/en/news/121
[2]: https://www.tadhamonbank.com/en/affiliates/1
[3]: https://apps.apple.com/us/app/mahfathati-tadhamon/id1463475087
[4]: https://play.google.com/store/apps/details?id=com.tiib.mahfathati
[5]: https://www.tadhamonbank.com/en/
[6]: https://ezeepayment.com/mobile-payment-apps-in-yemen/
[ye-cro]: https://docs.barcoder.ai/docs/payments/YE

1. [TIIB Launches the Multipurpose Mahfathati Service — Tadhamon Bank news][1]
2. [Mahfathati — Tadhamon Bank affiliates][2]
3. [Mahfathati-Tadhamon — Apple App Store][3]
4. [Mahfathati-Tadhamon — Google Play][4]
5. [Tadhamon International Islamic Bank — official site][5]
6. [Top Mobile Payment Apps in Yemen — Ezee Payment][6]
7. [YE-yemen.md (in-corpus country report)]<sup>[Yemen report](https://docs.barcoder.ai/docs/payments/YE)</sup>

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **YE** — [YE-yemen.md](https://docs.barcoder.ai/docs/payments/YE)