Valu Jordan Partners with Tawqi3i to Launch Seamless Digital Onboarding and E-Signatures

Valu Jordan has integrated Tawqi3i’s secure e-signature solutions into its mobile application, removing the requirement for physical visits during customer onboarding. For fintech professionals, this move signals a maturation of the Jordanian digital lending market, where regulatory-compliant digital identity and signing are becoming the baseline for scaling Buy Now, Pay Later (BNPL) services at speed.

What was announced

Valu Jordan, a financial technology provider in the MENA region, has partnered with Tawqi3i to digitize its customer registration and account activation process. Tawqi3i is recognized as the first platform in Jordan to specialize in certified e-signature solutions. Through this technical integration, users of the Valu app can now sign the necessary legal documentation to activate their accounts and credit limits electronically. Previously, customers were often required to visit physical activation points to finalize their registration and verify their identity.

The partnership focuses on streamlining the journey from initial app download to the utilization of flexible payment solutions. By removing manual paperwork and the need for in-person verification, Valu Jordan aims to increase the speed at which customers can access its partner network for products and services. This initiative aligns with the National Financial Inclusion Strategy (2023–2028) in Jordan, which promotes the adoption of digital channels and secure financial processes to modernize the national economy.

The integration ensures that the digital signatures are secure and legally recognized within the Jordanian regulatory framework. This move is intended to enhance operational efficiency by reducing the administrative burden of manual document handling and physical storage. The service is now live within the Valu app, targeting the growing segment of Jordanian consumers who prefer digital-first financial interactions over traditional, branch-based models.

"Our partnership with Valu demonstrates how fintech and digital trust solutions can come together to advance financial services. By integrating secure digital signatures into the customer journey, we are helping create a more seamless and efficient experience that saves time and simplifies transactions. We are proud to support Valu’s digital evolution and contribute to the development of a more connected digital financial ecosystem in Jordan."

Sami Rasekh, CEO of Tawqi3i.

The companies involved

Valu Jordan operates as a universal financial technology powerhouse with a significant presence across the Middle East and North Africa. The company positions itself as a provider of flexible payment solutions, specifically targeting the consumer finance and retail sectors. Valu Jordan provides a digital ecosystem that allows users to access credit limits for a variety of purchases through an extensive partner network. The firm has been active in the Jordanian market, focusing on expanding its digital capabilities and forming strategic alliances with stakeholders in the technology and commercial sectors to respond to evolving consumer needs.

Tawqi3i is a specialized Jordanian platform providing secure and certified e-signature solutions. It is the first platform of its kind in Jordan, focusing on digital trust and the legal validity of electronic transactions in both Jordan and the wider Middle East. Tawqi3i serves as a critical infrastructure provider, enabling businesses to transition away from paper-based workflows. By offering localized digital signature solutions, the company helps financial institutions and other service providers meet local regulatory requirements while improving the speed of customer acquisition and service delivery.

What FF News has reported before

FF News has closely followed Valu Jordan’s expansion since its entry into the Kingdom. In September 2026, the company reached a significant milestone when Valu Jordan Officially Launches BNPL Services and Flexible Payments in the Kingdom. This followed a series of strategic retail partnerships, including a collaboration with Harley-Davidson Amman to provide flexible payment options for high-value purchases. The company has also targeted everyday consumer spending through a deal with HyperMax to launch BNPL solutions across the retail sector. Beyond retail, Valu Jordan has moved into the education space, where Valu and B12 Partnered to Launch Flexible School Fee Payments across Jordan, demonstrating the breadth of its flexible payment ecosystem.

What this means

This announcement highlights a shift in the MENA fintech landscape where "last-mile" friction—the physical signing of contracts—is being eliminated to facilitate rapid scale. For the Jordanian market, the move puts pressure on traditional lenders and legacy finance houses that still rely on physical branches for KYC and account activation. As digital-first players remove physical touchpoints, the competitive advantage in the region moves toward those who can offer the fastest "time-to-credit." However, this transition raises questions for the industry regarding the long-term robustness of digital-only fraud prevention and the capacity of local regulators to keep pace with the speed of fully automated onboarding.