TOTL is a cutting-edge fintech platform revolutionizing the landscape of instant payments and rewards in the UAE. By partnering with over 600 local offline businesses, TOTL offers consumers the unique benefit of instant cashback on every payment, transforming everyday spending into a rewarding experience. Our platform enables local businesses to offer eVouchers and eGifts with added value, fostering brand loyalty and enhancing customer retention. TOTL's smart, secure, and user-friendly platform empowers consumers and businesses to conduct transactions and redeem rewards seamlessly via our app or web interface using QR codes. This innovative approach ensures flexibility and independence, allowing transactions to occur without any reliance or dependency on applications Committed to strengthening the local business community, TOTL's cashback model ensures that rewards are used exclusively at the issuing business, cultivating a strong sense of loyalty and gratitude between businesses and consumers.