About Sinder
Sinder is a UAE-licensed fintech building a transparent travel-money product for UAE residents. Founded in 2024 in Dubai by Chris Hughes (CEO, ex-Revolut, ex-Tamara) and Artem Kuchumov (CTO, ex-Revolut).
Mission
Sinder exists to replace the 2–5% FX markup that UAE bank cards quietly add to foreign spending with a clear, predictable cost the cardholder can verify against the public Mastercard Exchange Rate. We believe the true cost of spending abroad should be visible at the point of purchase — not hidden inside an exchange rate or buried in the fine print of a fee schedule.
That principle drives the product: 0% Sinder markup within an AED 40,000 / month worldwide allowance, no annual fee, no monthly subscription, no minimum balance, and no per-transaction surcharge. When you do cross the allowance, only the excess carries a small, clearly stated rate.
What we're building
The first Sinder product is the Founder Card — a Mastercard Platinum Debit card issued in the UAE with airport lounge access, an instant virtual card on approval, and UAE PASS digital onboarding. Alongside it, the Sinder app includes Where Can I Go?, a destination finder that shows UAE residents where they can travel right now based on visa effort, flight time, cost versus Dubai and more.
Founders
Sinder was founded in 2024 in Dubai by two operators who built cards and FX products at scale before starting the company.
- Chris Hughes — CEO & Co-Founder. Former Head of Core Product at Tamara and Product Owner at Revolut, focused on cards and FX.
- Artem Kuchumov — CTO & Co-Founder. Ex-Revolut engineer specialising in payments infrastructure, card issuing and machine-learning risk systems.
Where we operate
Sinder is headquartered at 31 Maktabik Business Centre, SONY Building, Al Raffa, Dubai, United Arab Emirates, and serves UAE residents. The company operates under the UAE financial services regulatory framework and holds customer funds with licensed UAE banking partners.