EOSB Infrastructure · Saudi Arabia
From trapped accrual
to investable wealth.
Earned employee value should compound, not wait. EOVest converts End-of-Service Benefit from a deferred employer liability into a funded, visible, compounding employee asset — held in regulated, low-risk structures.
- Founder
- Mohammed Nawaf
- Stage
- Pre-seed · KSA
- Aligned with
- Vision 2030 · FSDP
- Structures
- Conventional & Shariah
Live illustration · Traditional EOSB vs EOVest funded
Projected end-of-service value · 10 yrs
Value uplift
+66k SAR
+39% above traditional accrual
Institutional posture
Built for regulated, segregated, fiduciary capital.
Regulatory engagement
CMA & SAMA dialogue · in progress
Custody model
Segregated client accounts at licensed local custodian
Shariah governance
Independent Shariah board · forming
Audit & NAV
Daily NAV · Big-4 audited fund vehicles
Counterparties are illustrative pending final selection. EOVest will only operate inside licensed, audited fund structures.
The market
A two-hundred-billion-riyal liability, waiting to be funded.
Saudi Labor Law mandates End-of-Service Benefit, but does not mandate funding. The result is a structural mismatch between what employees have earned and what is actually held in their name.
Figures directional, drawn from public sources (GASTAT, FSDP, market estimates). Used for illustration only.
KSA private-sector workforce
~11M
expat + Saudi nationals (GASTAT, 2024)
Estimated EOSB liability pool
SAR 200B+
directional, accrued and largely unfunded
Funded today
<10%
majority sits on employer balance sheets
Vision 2030 savings target
10%+
household savings rate uplift (FSDP)
How it works
Four steps. Institutional, not improvised.
01
Periodic funding
Employer funds EOSB-linked contributions monthly into a segregated, regulated structure — instead of accruing on the balance sheet.
02
Always-on visibility
Each employee sees a real, named balance — not an estimate revealed at exit.
03
Regulated investment
Capital is allocated to approved low-risk products: Capital Preservation, Murabaha, Sukuk, or Balanced Growth.
04
Compounded outcome
Returns accrue throughout employment, materially improving the realised end-of-service value.
Investment structures
Four regulated, low-risk options.
Capital Preservation Fund
Risk
Low
Return
3.5% – 4.5%
Murabaha Income Fund
ShariahRisk
Very Low
Return
3.0% – 4.0%
Saudi Sukuk Fund
ShariahRisk
Low–Moderate
Return
4.5% – 6.0%
Balanced Growth Fund
Risk
Moderate
Return
6.0% – 8.0%
Build roadmap
Built deliberately, in the open.
EOVest is being constructed in close coordination with future employer partners and prospective regulated counterparties. We are transparent about what is live, what is selected, and what is still forming.
- Now
Product & design partners
MVP platform, simulation engine, and pilot conversations with KSA enterprise employers.
- Next
Regulated structure & custody
Selection of fund administrator, custodian, and Shariah board for the regulated investment wrapper.
- Then
Pilot deployment
Live employer pilots with funded contributions and transparent employee balances.
- Later
Scale across KSA & GCC
Bilingual rollout, payroll integrations, and additional Shariah-compliant product lines.
The insight, in one line
Earned value that compounds early can materially outperform deferred value that stays economically idle.
Founder
Mohammed Nawaf
Building EOVest to give Saudi workers a real, funded, visible stake in the value they create — and to give employers a modern way to honour it.
- Based
- Riyadh, KSA
- Stage
- Pre-seed · KSA