The licence gives PhotonPay a compliant operating basis in the DIFC, enabling it to onboard and serve corporate/professional clients locally rather than relying on indirect partner structures. Enterprises using PhotonPay can add UAE/Middle East payment rails and partner connectivity with clearer AML/compliance accountability under DFSA supervision. Competing payment providers in the UAE now face a newly licensed infrastructure player with AI-driven risk controls positioned to support MEASA cross-border execution.