Fifteen advisors. One question. One answer you can defend.
Najem puts your question to a council of specialist advisors — strategy, technology, finance, investment, legal, compliance, blockchain security and more. They deliberate, disagree where they should, and hand back one recommendation with the UAE rulebook it rests on attached.
No card required. Arabic and English from the first question.
15
Specialist advisors
34 +
Primary sources indexed
2
Working languages
Arabic and English, both native — not one translated into the other.
The council
How a session runs
Four steps between a question you cannot answer alone and something you can act on.
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01
State the question
In Arabic or English, in your own words. Attach the contract, the circular or the board pack if the answer depends on it.
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02
The council deliberates
Each advisor answers from its own mandate and cites what it relied on. The tax advisor reads the published tax position; the compliance advisor reads the rulebook that governs the activity.
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03
Positions are reconciled
Where advisors agree, the point is settled. Where they conflict, the conflict is surfaced rather than averaged away — that disagreement is usually the finding.
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04
You get a recommendation
One synthesised position, the reasoning behind it, the open questions it leaves, and a citation for every claim of law.
The council
The 15-member Council
Fifteen specialists, each with a defined mandate and a stated limit.
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Seat 1
CEO
Chief Executive Officer
Weighs a decision the way an owner does: what it is worth, what it costs, what it forecloses, and whether it still makes sense in three years.
Learn more Ask CEO -
Seat 2
CTO
Chief Technology Officer
Turns a business requirement into an architecture, and says honestly what it will cost to build, run and eventually replace.
Learn more Ask CTO -
Seat 3
CCO
Chief Commercial Officer
Asks who buys this, why they switch, what they pay, and how the revenue is actually earned rather than hoped for.
Learn more Ask CCO -
Seat 4
CFO
Chief Financial Officer
Puts a number on it. Cost, return, payback, and the cash position on the worst plausible month.
Learn more Ask CFO -
Seat 5
COO
Chief Operating Officer
Asks the question that sinks most good decisions: who actually does this on Monday morning, and with what?
Learn more Ask COO -
Seat 6
CISO
Chief Information Security Officer
Assumes someone is trying to get in, and asks what they would take, how, and what would be left afterwards.
Learn more Ask CISO -
Seat 7
Legal
Legal & Regulatory Counsel
Reads the decision against UAE federal law, the emirate's rules, and the separate legal systems the financial free zones run — and says when those three disagree.
Learn more Ask Legal -
Seat 8
CRO
Chief Risk Officer
Names what goes wrong, how likely it is, what it costs, and which single mitigation buys the most safety per dirham.
Learn more Ask CRO -
Seat 9
Audit
Chief Audit Executive
Asks the unwelcome question: how would we prove any of this to someone who did not take our word for it?
Learn more Ask Audit -
Seat 10
CHRO
Chief Human Resources Officer
Remembers that the plan is carried out by people who have to be found, paid, trained, visa-sponsored and persuaded.
Learn more Ask CHRO -
Seat 11
Data & AI
Chief Data & AI Officer
Asks whether the data needed actually exists, is good enough, and may lawfully be used for the purpose proposed.
Learn more Ask Data & AI -
Seat 12
PMO
Programme Management Office
Turns a decision into a plan with dates, owners and dependencies — and says which date is the one that will actually slip.
Learn more Ask PMO -
Seat 13
Investment
Chief Investment Officer
Evaluates investment value, allocation, due diligence, liquidity and exits against the investor’s objectives and risk limits.
Learn more Ask Investment -
Seat 14
Compliance
Compliance & Financial Crime
Translates applicable obligations into proportionate controls, accountable owners and testable compliance evidence.
Learn more Ask Compliance -
Seat 15
Blockchain Security
Blockchain & Custody Security
Assesses wallets, smart contracts, custody architecture, key controls and recovery using supplied technical evidence.
Learn more Ask Blockchain Security
What you get
Five ways to use it
The council is the centrepiece, not the whole of it.
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The Council
One question, fifteen perspectives, one recommendation.
Put a decision to all fifteen advisors at once. Each answers from its own mandate, and the disagreements are the point — they are where the risk is.
Explore The Council -
Advisor chat
One specialist, as long as you need.
Sometimes you do not need a board meeting, you need the risk officer for ten minutes. Pick an advisor and stay in one thread.
Explore Advisor chat -
Research briefs
A question in, a sourced brief out.
Ask what the rule is and get a structured brief: the position, the authority behind it, what is still unsettled, and what to do next.
Explore Research briefs -
Document analysis
Upload the contract. Get the exposures.
Contracts, policies, circulars and board packs read against UAE regulation, with the clauses that create exposure pulled out and named.
Explore Document analysis -
Drafting and export
From the answer to the document.
Turn a council session or a brief into a memo, a board paper or a policy — in Arabic or English — and export it ready to send.
Explore Drafting and export -
Regulatory watch
What changed, and whether it touches you.
The corpus behind every answer is maintained against federal law, the free-zone rulebooks and the emirate-level regimes — and you can see exactly what it holds.
Explore Regulatory watch
Grounded in primary sources
Knowledge base
Every claim traces back to the instrument it came from.
Every answer carries a link to the primary source, so you can check the citation yourself. Where a source has been superseded, we say so.
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Banking and payments
Licensing, prudential standards, payment services, tokens and open finance.
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Capital markets
Securities, funds, brokers, listing and continuing obligations.
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Virtual assets
Virtual asset service providers, custody, issuance and marketing.
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AML, CFT and sanctions
Customer due diligence, reporting, targeted financial sanctions and supervision.
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Data protection
Personal data, cross-border transfers, impact assessments and breach reporting.
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Cybersecurity
Information assurance, critical infrastructure and emirate-level security standards.
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Tax
Corporate tax, value added tax, excise and tax procedures.
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Employment
The Labour Law, contracts, Emiratisation and wage protection.
Where it applies
Solutions
The work our customers hand to the council most often.
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Entering the UAE market
Onshore or a financial free zone — and what each one costs you.
The UAE is not one jurisdiction. Choosing between the mainland and a financial free zone sets your licensing route, your courts, your data rules and your tax position for years.
Learn more Entering the UAE market -
Licensing and authorisation
What you need permission for, and from whom.
Regulated activity in the UAE is defined narrowly and enforced literally. The expensive mistakes are the ones where a firm thought it was outside the perimeter.
Learn more Licensing and authorisation -
Building a compliance programme
Policies that survive an inspection.
AML/CFT, sanctions, data protection and conduct — drafted against the instruments that actually apply to you, not a template from another market.
Learn more Building a compliance programme
Grounded in primary sources
Built to be checked
An advisor you cannot audit is a rumour with good grammar.
Every claim carries its source
Article, circular, rulebook chapter, with a link to the issuing authority. If a source has been superseded, the answer says so.
Arabic as a first language
Federal legislation is authoritative in Arabic. Najem reads it in Arabic and answers in whichever language you asked in.
Your documents stay yours
What you upload is used to answer your question and nothing else. It never becomes training data, and you can delete it at any time.
It advises; it does not act
Najem will not file, sign, transfer or submit anything on your behalf. Every output is a draft for a human to take forward.
What Najem is not
Najem produces analysis, drafts and research for internal use. It is not a law firm, an audit firm or a tax agent, it does not give binding advice, and it does not create a professional relationship. Where a matter needs a licensed opinion, the council will tell you so and set out what to bring to the adviser you appoint.
In their words
In their words
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The part I did not expect was the disagreement. Four advisors read the same clause four different ways, and the one that worried me turned out to be the one our external counsel raised a week later.
Reem Al Suwaidi Reem Al Suwaidi Head of Compliance · Gulf Horizon Capital -
We were three weeks into assuming we sat outside the payments perimeter. A twenty-minute session showed us we did not, with the instrument cited. That was the cheapest three weeks we have ever bought back.
Omar Haddad Omar Haddad Founder · Meridian Payments -
It writes Arabic that I can send to a client without rewriting it. I have not been able to say that about a tool before.
Noura Al Mansoori Noura Al Mansoori Partner · Emirates Legal Partners
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Your first corporate tax return: what the law actually requiresTax 7 min read
Your first corporate tax return: what the law actually requires
Federal Decree-Law No. 47 of 2022 introduced corporate tax for financial years starting on or after 1 June 2023. Here is what the text says, and where the detail lives.
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The UAE personal data protection law, and the two regimes beside itRegulation 6 min read
The UAE personal data protection law, and the two regimes beside it
Federal Decree-Law No. 45 of 2021 is not the only data protection law that may apply to you. Two financial free zones run their own, and which one governs depends on where you are established.
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An AML programme is a filing cabinet, not a policy documentCompliance 6 min read
An AML programme is a filing cabinet, not a policy document
Federal Decree-Law No. 20 of 2018 and Cabinet Decision No. 10 of 2019 set the framework. What an inspection actually tests is whether you can produce the evidence.
Is this legal advice?
No. Najem produces analysis and drafts for internal use. It is not legal, tax, audit or investment advice, and using it does not create a professional relationship. Every answer carries that boundary with it.
Where does the regulatory content come from?
From a curated catalogue of UAE primary sources — the authorities themselves. Every entry we hold is listed publicly, with the link back to the issuing body and the date it was last reviewed.
What happens when it does not know?
It says so. The advisors are instructed never to invent an article number, a case reference or a deadline. An honest gap is more useful than a confident sentence nobody can check.
Does it work in Arabic?
Throughout. The interface, the advisors and the drafts are all bilingual, and Arabic documents are written in Arabic rather than translated into it.
Who is it for?
People who have to make a decision and answer for it: founders entering the market, compliance and risk teams, in-house counsel, and boards that need the paper before the meeting.
Where is our data held?
Conversations, documents and sessions belong to your account and are not used to train any model. Data residency is reviewed with your team before an enterprise deployment is signed.
Put the council to work
Create an account and ask your first question in under a minute.
Najem AI produces analysis and drafts for internal use. It is not legal, tax, audit or investment advice and does not create a professional relationship.