---
title: "PALM: Goal-Based Savings, Investing and Rewards"
description: "Set multiple savings goals in Egypt and invest in stocks, gold and fixed income; pick lock/unlock or Sharia plans; withdraw via InstaPay."
canonical_url: "https://liners.com/palm"
markdown_url: "https://liners.com/palm.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/withpalm/screenshot.webp?v=1773064317993"
published_at: "2026-03-09T14:23:21.026Z"
updated_at: "2026-10-06T18:55:21.543Z"
---

# PALM: Goal-Based Savings, Investing and Rewards

Set multiple savings goals in Egypt and invest in stocks, gold and fixed income; pick lock/unlock or Sharia plans; withdraw via InstaPay.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PALM](/palm)

## Summary

Saving That Grows All Your Life Goals In Your PALM.

A goal-based savings and investing app for Egyptians to build personalized plans, invest in diversified assets, track progress, and redeem via merchant partners.

## Product details

| Field | Value |
| --- | --- |
| Website | https://withpalm.ai/ |
| Tagline | Saving That Grows All Your Life Goals In Your PALM. |
| Primary country | Egypt |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

PALM is a goal-based savings and investing app for Egyptians who want to save toward specific life goals from their phone.

Key capabilities include:
- **Goal-based plans and personalization**: Create multiple goals (for example marriage, education, a car, a house, travel, or retirement) and choose plan options such as **lock/unlock** and **Sharia-compliant** plans.
- **Multi-asset investing**: Save across **stocks, gold, and fixed income** in a single app, aligned to the selected goal and preferences.
- **Rewards tied to saving**: Redeem savings with **merchant partners** for additional discounts, alongside investment returns.
- **Progress visibility and redemption**: Track goal progress in-app and redeem funds through partner redemptions or withdrawals via **InstaPay** and bank transfers.

Available on **Android** and **iOS**.

Built for **B2C users in Egypt** who want structured saving for personal goals and prefer app-based investing.

Notable in the Egyptian market for operating with **investment activities handled by PAM Asset Management**, an Egyptian joint stock company licensed by the **Financial Regulatory Authority (FRA License #969/2025)**, and for having raised a **7-figure USD pre-seed round** led by 4DX Ventures (with Plus VC and angel investors).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Wealth Management](/tags/wealth-management): Product feature or technology
- [Egypt](/countries/egypt): Market

## Related pages

- [Alternatives](/palm/alternatives)
- [Reviews](/palm/reviews)
- [Transparency](/palm/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/palm)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)