Yes. But don’t worry, we will reach out to your references and only ask them simple questions that will help us verify your identity. This  will help us build a trustworthy network of Savers.

We ask for references so that we can build a trustworthy network of savers. References are a mandatory requirement in our verification process.  Your references can be a colleague, a relative and even a friend.

A risk score checks the eligibility of our members. You will be asked to complete your risk score depending on your Payout month.

To protect our members and to assess your credit risk, Oraan requires one-time access to your your installed Apps, and Registered Accounts. We never view or store your personal data and we respect your privacy. Anonymised and pseudonymised data is

We ask for documents to keep you and the Oraan Community safe. We use them to verify the identity of all the members in the community, and to help you build your financial profile.

We only ask for essential documents to make the process easy for you. When you apply for the first time, we’ll request your CNIC front and back. Once submitted, you won’t need to provide it again! After reviewing your application,

Sorry, right now we are only able to give payouts with a 3-month gap in the middle.

Our Oraan team will contact you before your payout month to get your bank account details. Your payout will then be transferred to your bank account during your payout month. You can also choose to have you Payout sent to