--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Derayah Smart" developer_entity: "DERAYAH FINANCIAL" bundle_id: "com.derayah.DerayahSmart" app_store_id: "6664067348" category: "Finance" primary_platform: "ios" primary_monetization: "Subscription" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-06-04" report_date: "2026-08-18" last_verified: "2026-08-18T00:00:00.000Z" report_version: "2.0.0" total_reviews: 9 overall_rating: 2.9 sentiment: "Upset" sentiment_score: 10 confidence: "medium" confidence_score: 0.55 top_complaint_theme: "Users report the app fails to create a new wallet during the onboarding flow, blocking access to core features" review_sample_size: 3 total_review_count: 3 analyzed_review_count: 3 data_age_days: 43 momentum_velocity: "maintenance" intelligence_version: 3 tags: ["finance", "subscription", "upset sentiment", "mobile app", "app review", "app analysis", "saudi", "arabian", "investors"] canonical_url: "https://marlvel.ai/apps/derayah-smart" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Derayah Smart Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Subscription - **Signal**: Rating 2.89 · Sentiment Upset - **Recent focus**: Users report the app fails to create a new wallet during the onboarding flow, blocking access to core features (top complaint) > **TL;DR:** Derayah Smart is a finance app by DERAYAH FINANCIAL, rated 2.89/5 by 9 users, with Upset user sentiment (10/100), available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Derayah Smart faces Upset user sentiment (2.89/5 from 9 reviews), with users reporting users report the app fails to create a new wallet during the onboarding flow, blocking access to core features as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 2.89/5 (9 reviews) | | **User Mood** | Upset | | **Category** | Finance | | **Developer** | DERAYAH FINANCIAL | | **Pricing** | Subscription | | **Platforms** | iOS | | **Confidence** | Medium (0.55/1.0) | | **Data Age** | 43d | ## Metadata & Market Performance - **Publisher:** DERAYAH FINANCIAL - **Category:** Finance - **Target Audience:** Saudi Arabian investors seeking automated, Shariah-compliant wealth management for specific financial goals. - **Platforms:** iOS - **Version Reviewed:** 2.0.0 - **Report Date:** 2026-08-18 - **Signal Count:** 3 reviews analyzed - **Confidence:** Medium (0.55/1.0) - **App Store ID (iOS):** 6664067348 - **Bundle ID:** com.derayah.DerayahSmart - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-08-18 ## Executive Snapshot **What it is:** Derayah Smart is a robo-advisory platform for Saudi Arabian investors that automates goal-based, Shariah-compliant portfolio management on iOS. **Why users hire it:** The platform removes the cognitive load of manual asset allocation for users seeking faith-aligned, long-term wealth accumulation. ## App DNA (Features & Intent) - **[Standard] Goal-based investment planning:** Automated portfolio construction aligned with specific financial objectives like retirement or education. - **[Differentiator] Dynamic rebalancing:** Automated adjustments to portfolio allocations to maintain strategy alignment during market fluctuations. * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior. - **[Differentiator] Shariah-compliant investment options:** All current and future investment products adhere to Shariah principles. * *User Intent:* Users seek enhanced value through premium features. ## Market Position {#market-position} Derayah Smart occupies a specialized niche in the Saudi Arabian finance sector. With a 2.89-star rating across 9 reviews, the platform lacks the scale to challenge broad-market wealth management apps, and the current onboarding blockers significantly limit its growth potential. ## Monetization Strategy - **Model:** Subscription - **Tiers:** 0.65% annual fee, deducted monthly - **Analysis:** Fee-based model anchored at 0.65% annually, applied to total assets under management. ## 🔴 User Sentiment (Medium Confidence: 3 of 3 reviews analyzed) {#user-sentiment} - **Overall Rating:** 2.89/5 - **Platform Split:** iOS 2.9/5 (9 ratings) - **Overall Sentiment:** Upset ### Top Complaints (Impact Areas) - **Users report the app fails to create a new wallet during the onboarding flow, blocking access to core features** ## SWOT Analysis {#swot} **Core Strengths:** - Shariah-compliant investment options provide a defensible barrier in the Saudi Arabian market. - Dynamic rebalancing maintains strategy alignment during market fluctuations. **Growth Levers:** - Localized fee structures could improve competitiveness against regional wealth management rivals. ## Recent Changes (v2 → v3) {#recent-changes} The platform's competitive position remains stagnant, with the review sample size expanding from 3 to 9 while critical onboarding blockers persist. No functional changes were introduced, leaving the app in a maintenance-only state. **Overall trend**: Stable **Compared at**: 2026-08-18 ### High-impact changes - **[Shifted] Market Scale Assessment** (positioning) ### Medium-impact changes - **[Added] Expanded Threat Profile** (swot) - **[Added] Rating as Weakness** (swot) ## What's New - **Latest (v2.0.0, 2 months ago):** Version 2.0.0 introduces a visual redesign of the application interface. ## App Momentum (Maintenance) {#momentum} - Ships updates at ~10-week cadence. - Latest release introduced visual redesign. > **Cadence:** 1 total versions · 1 majors in last 6 months · 74 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Derayah Smart is a finance app. It holds a 2.89/5 rating from 9 reviews. > **Bottom Line:** Derayah Smart must resolve the wallet creation failure to stabilize its acquisition funnel, as the current technical blockers are actively eroding trust in the platform's ability to manage assets. **Best for:** Saudi Arabian investors seeking automated, Shariah-compliant wealth management for specific financial goals. ### PM Action Plan (Next Best Moves) - [ ] [PIVOT] Rebuild wallet creation flow because it is the #1 onboarding blocker → increase new-user conversion ### Outlook: Declining The outlook for Derayah Smart is declining due to persistent onboarding failures that prevent user conversion. Without a rapid fix to the wallet creation flow, the platform will continue to lose potential investors to more stable regional competitors, regardless of its Shariah-compliant value proposition. - 🔴 Onboarding blockers in the wallet creation flow prevent new users from entering the funnel, directly suppressing growth. - 🔴 The 75-day gap since the last store update suggests a maintenance-only cadence that leaves critical bugs unaddressed. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 2.89/5 | | Total Reviews | 9 | | Sentiment | Upset (10/100) | | Confidence | Medium | | Pricing Model | Subscription | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Stable | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Derayah Smart** (this app) | 2.89/5 | Upset | DERAYAH FINANCIAL | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.1/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.4/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** DERAYAH FINANCIAL - **Website:** [https://web.derayah.com/en/derayah-smart/](https://web.derayah.com/en/derayah-smart/) - **Social:** [Instagram](https://www.instagram.com/derayahfinancial) · [Facebook](https://www.facebook.com/DerayahFinancial) · [X/Twitter](https://twitter.com/derayah) · [YouTube](https://www.youtube.com/watch) · [TikTok](https://www.tiktok.com/@derayah) · [LinkedIn](https://www.linkedin.com/company/derayah) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/derayah-smart/id6664067348?uo=4) - **Dev Site:** [Official Website](https://web.derayah.com/en/derayah-smart/) - **Sources:** Developer website content, About us / company information, App store metadata, User reviews. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.1/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.4/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.55/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 3 - **Data Sources:** user reviews, developer website, company about page, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 43 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/derayah-smart) Data licensed for AI Agent attribution under CC-BY-NC 4.0.