Acts as an e-money agent
This firm does not hold FCA authorisation of its own, and acts as an e-money agent under another firm's authorisation.
- Agent for under a year
- No FCA actions
- Active company since 2025
- Your funds are not FSCS protected
- 1 thing worth a closer look in the background checks
Responsible principal firm
FinPayTech Ltd Reference number: 900144 Registered View firm →Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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No website on the FCA register
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No phone number on the FCA register
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Address
128 City Road, London, EC1V 2NX, United Kingdom
In the full report: 1 background check, 1 thing worth a closer look
- Whether EC1V 2NX is a shared office: 214 other firms give it
Past FCA permissions and consumer protection
- Protection works through the principalThis firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 16796179 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 20 October 2025 (1 year old)
- Registered office
- 128 City Road, London, EC1V 2NX, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Mustafe Qaalib | Director | Nov 2000 | 20 Oct 2025 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Key dates in its history
Ryat Financial’s history from the FCA register and Companies House, newest first.
2025
22 December 2025
- Status on the FCA register became "EMD Agent"
FCA register
20 October 2025
- Incorporated at Companies House
- Mustafe Qaalib took control (75–100% of shares)
- Mustafe Qaalib appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Ryat Financial
Other firms of the same type (payment or money transfer firm), nearest first.
In the Central London (EC) postcode area
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Ryat Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 1 background check on its contact details, 1 flagged
- All 4 events in its history
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Frequently asked questions about this firm
Is Ryat Financial Ltd FCA authorised?
Is Ryat Financial a scam or clone?
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Who owns Ryat Financial?
Who runs Ryat Financial?
How long has Ryat Financial been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk