Central rate control
Rates are set centrally with a permitted band per currency. Out-of-band entries are rejected before they reach the books.
Exchange Management
Saraf IQ Every dinar accounted for.
Management platform for currency-exchange businesses — rates, transactions and compliance-ready records.
Illustrative product mock of the Saraf IQ rate board with currency rows, buy and sell rates and rate bounds
2 Currencies native — USD & IQD
9 Operational roles
2 Languages — English & Arabic, full RTL
Inside Saraf IQ
RATES
One rate board, always current.
Buy and sell rates are managed centrally and change with a full audit of who changed what, when — every desk works from the same numbers.
- Central rate management
- Change history with author and time
- Every desk on the same board
Illustrative product mock of the Saraf IQ rate board with currency rows, buy and sell rates and rate bounds
TRANSFERS
A transfer that can't get lost.
Every transfer moves through an explicit lifecycle — created, approved, funds held, paid out, settled — with nine roles deciding who may do what.
- Explicit lifecycle, no limbo states
- Nine roles, separated duties
- Full audit trail per transfer
Illustrative product mock of the Saraf IQ transfer screen, with a transfer moving through its lifecycle from created to settled
LEDGER
Double-entry, down to the dinar.
Every movement books debit and credit; balances reconcile by construction, across currencies.
- Double-entry by design
- Multi-currency accounts
- Reconciliation built in
Illustrative product mock of the Saraf IQ ledger screen, with double-entry vouchers and balances by currency
Capabilities
What Saraf IQ does.
Transfer lifecycle
Every money transfer moves through a defined lifecycle — entered, dispatched, paid — and only valid transitions are possible.
Double-entry ledger
Each operation posts balanced vouchers automatically. Statements, daily summaries and trial balances are available on demand.
Full audit trail
Every change is recorded with operator, action, entity and time. Deleted records stay visible for review instead of disappearing.
Role-based access
Nine operational roles with per-resource permissions, from counter staff to controller. Sensitive operations require re-verification.
Branch & agent network
Branches, counters and a network of provincial and external agents work in one system, each seeing only what their role allows.
Saraf IQ is a management platform for currency-exchange and money-transfer businesses. Exchange offices handle a high volume of transactions under strict regulatory expectations, often on manual records or aging software. Saraf IQ brings rates, transfers, accounting and record-keeping into one controlled system.
Rates are managed centrally, with a permitted band per currency, and applied consistently across branches and counters. Money transfers follow a defined lifecycle — entered, dispatched, paid — with every transition validated and recorded. Currency settlement between USD and IQD shows the resulting balances before anything is saved.
Behind every operation sits a double-entry ledger: each transaction posts balanced vouchers, so statements, daily summaries and trial balances are available on demand instead of being reconstructed at audit time. Every change carries its operator, action and timestamp, and access is divided across defined operational roles — from counter staff to controller — with sensitive operations requiring re-verification.
Saraf IQ serves exchange offices and money-service businesses in Iraq and the wider region, fully bilingual in English and Arabic. It is engineered, hosted and secured by NABAD GROUP.
Under the hood
TypeScript end to end — Next.js frontend, tRPC API, PostgreSQL ledger.
Backed by the group
Engineering, infrastructure and security — from one group.
Engineering
Built by the group's software teams to one standard.
Infrastructure
Runs on infrastructure the group builds and operates.
Security
Security by design — in the product and around it.
A NABAD GROUP COMPANY Next step
See Saraf IQ on your operation.
Tell us about your operation and we'll show you the product live — on your cases, not a canned demo.
- A reply within one business day
- A live demo on your use case
- A scoped proposal with clear pricing