Frequently asked questions


e-Mal is a new financial hub for the underbanked population by capitalising the Blockchain Revolution to bridge gaps between cash, digital and the global financial market. Our focus is on the social inclusion of the unbanked and under-served within the financial and banking sectors. By creating a whole new peer to peer ecosystem, e-Mal aims to revolutionise the way individuals, small businesses and micro-entrepreneurs transact, make payments, borrow money and associated products like insurance, domestic and Cross-Border remittances, salary cards and other general banking products.

e-Mal Digital Wallet app can be downloaded from App store or Play store World Wide.
Note : Usage and transactions depends on the local law of each country.

STEP 1: Tap on REGISTER Button in the Main Screen;
STEP 2: Fill the First Name, Last Name, email ID, Mobile Number, Password;
STEP 3: Read Terms & Condtions, Tap on Register;
STEP 4: Verify the email ID by clicking on the link sent to your email ID;
STEP 5: Tap on Proceed in the application;
STEP 6: Enter the Mobile OTP received to verify mobile number;
STEP 7: Set answers for the Security Questions and Tap on NEXT;
STEP 8: Set the 4-Digit PIN Number;
STEP 9: Proceed to Dashboard - Registration Complete.

Click here for a quick tutorial.

e-Mal Digital Wallet Application is your single point access to all financial services in the e-Mal financial ecosystem. Users have multiple top-up and cash out options, hold fiat or multiple digital currencies, with a host of financial services like currency transfer, lending, bill payments, cards and other normal banking products in their wallets. The e-Mal Digital Wallet gives ultimate freedom to the user and helps bridge the gaps between the old world and the new.

The money is held in our e-Mal Digital Wallet Smart Contracts (using Blockchain). The e-Mal financial ecosystem is decentralised, 100% peer-to-peer, with no middleman ever holding, managing or touching your funds at any point in time of the transaction.

Since e-Mal is decentralised and peer-to-peer, we are using encryption algorithms to secure user information. e-Mal does not have any direct access to user funds & financial information without user keys. Only the user has access to their account transactions and funds control.

e-Mal leverages modern blockchain technology that allows users to make financial transactions. We use Ethereum Smart Contracts and Hyperledger Fabric to give e-Mal users the ability to make local and global transactions in fiat and digital currencies.

All e-Mal users must comply to follow our KYC (Know Your Customer) procedure for account verification. Once it is completed, users will have been able to use the e-Mal Digital Wallet app, which will be recognised across all financial institutions and service providers that have integrated with e-Mal.

Know Your Customer (KYC) procedures are a legal requirement to comply with Anti-Money Laundering Laws under different regions.

STEP 1 - Go to Profile screen by tapping on Profile in the bottom panel;
STEP 2 - Tap on Update Now button;
STEP 3 - Tap on Continue;
STEP 4 - Tap on Select the type of ID - Choose the respective option;
STEP 5 - Tap on the + button;
STEP 6 - Select image from Gallery / take image from camera;
STEP 7 - Tap on Upload Button;
STEP 8 - View the bottom panel - image will reflect with Pending Approval Status;
STEP 9 - Go back to Dashboard and tap on the bell icon top right corner - view the KYC Document Uploaded Successfully notification.

Reaching out to e-Mal Support Team is even easier now. We are here to help, so don't hesitate to contact us via the e-Mal Digital Wallet app, online support on our website, email, or via phone.

Chat with us on

Email us at [email protected]

Call us at +971 4 2660007


In order to create an account, we need to verify your mobile phone number. We do this via SMS verification service. Usually, the confirmation code arrives within 30 seconds. However in some cases, your local telecom may "throttle" the rate of messages they allow through their systems. When this happens, it may take up to several hours for the code to arrive. Unfortunately, when this happens, all we can advise you to do is wait for the code to arrive. Please enter the code as soon as you receive it, for security reasons, there is a limited time frame after which the verifications codes will expire. If you'd like to help us report these issues to our SMS provider, please send an email to [email protected] with the phone number you used to register and the time you initiated the SMS verification request.

We recommend waiting for 5 minutes. All transactions have to be verified by e-Mal Smart Contracts on Blockchain to avoid double spending. This can be also based on the transactional volume at the specific transaction time. If you continue to experience problems, please contact us at [email protected]

If you ever lose your phone, you can download the e-Mal Digital Wallet app on your new phone and use your login details to restore the funds of your lost phone into your new phone's e-Mal Digital Wallet app. If you continue to experience problems, please contact us at [email protected] and our team will further assist you.

If you've forgotten your current PIN, try to login again and follow the Forgot PIN link and set a new PIN by using your already verified email or mobile number. If you continue to experience problems, please contact us at [email protected]

1. Login to
2. Verify your email.
3. Get your IP verified.
4. Go on the dxbxchange wallet and Click on Deposit option.
5. On the deposit option, please copy the e-Mal address.
6. Now, using e-Mal wallet, transfer digital currency to the new address, which will be received in the DXBxchange wallet.
7. Now, upon receiving the digital currency, request for withdrawal using the withdrawal request option.
8. Complete withdrawal process usually happens within 7-10 working days.

Yes, we are active and available on social media platforms.




Telegram: @eMal_UAE

Email us at [email protected] and we’ll route your email internally to the right person.

It is a one-time registration process after downloading the app from the App Store/Play Store. You will be prompted to fill in all your personal details and set your PIN. To enhance user experience and security, you will then be asked to answer few security questions and also verify your email address/mobile number by entering the One-Time Password (OTP) which will be sent to the registered email address/mobile number into the e-Mal digital wallet app.

As a part of e-Mal’s first-time Sign Up process, it is important to create a PIN code to ensure enhanced security when making a wallet transfer.

Step 1: Click on “Forgot Password?” at the e-Mal Login Account page.
Step 2: Enter your registered mobile number/email address and you will receive an OTP to reset your password.
Step 3: Verify your registered mobile number/email address with the OTP which will be sent via text message or email.
Step 4: Create a new password.

You can access your profile through the Profile tab at any time. You can update all of your information except for your username and registered mobile number.

To maintain the safety of our e-Mal platform, we need to comply with certain KYC and screening procedures. We will only ask you for an official identity document once. 
Note: In order for the screening process to be successful you need to make sure that the full name in your account matches your legal name on your official ID.

Please email us at [email protected] along with your registered mobile number so we can manually verify the details in your account.

A digital currency  wallet is a software program that stores private and public keys and interacts with various blockchain to enable users to send and receive digital currency and monitor their balance. If you want to use EML, BTC or ETH on the e-Mal digital wallet app , you will need to have a multi-digital currency wallet. e-Mal is a multi-digital currency  wallet because it allows you to send and receive three different digital currencies: e-Mal Token (EML), Bitcoin (BTC), and Ethereum (ETH).

You can see your balance for any of the currencies on the e-Mal digital wallet app dashboard.

Step 1: Click on the “Wallets” icon from the tab menu on e-Mal digital wallet app . 
Step 2: To make a transfer, please select on the option “SEND” and click on the “type of wallet” you would like to make a transaction with, for example; ETH, BTC or EML.
Step 3: Once you have clicked ‘EML’, it will take you to the “Send e-Mal” page, please choose between the “Scan QR code” or “adding a wallet address.”
Step 4: Then enter your currency amount in either “EML” or equivalent in “AED”, then click “Next”.
Step 5: To confirm a transfer, please confirm on the transaction details and click “Confirm”.
Step 6: To verify a transfer, you will need to enter your “Transaction PIN” and then click on “Verify”. If you forgot your transaction PIN just click on “Forgot PIN”.
Step 7: You will be notified when your “transaction is successful”. Please click on “Done” after that to go back to the homepage.

Yes. You can send EML, BTC, and ETH to any wallet. You will have the option to enter a wallet address or scan a QR code.

The fees are only charged to senders when sending a new transfer. They vary depending on the type of transfer ranging between 3 to 5% per transaction. 
Note: e-Mal is not responsible for any additional fees that other platforms may charge to send or receive digital currencies.

Step 1: Click on the “Wallet” icon from the tab menu on e-Mal digital wallet app . 
Step 2: To receive digital currency , Click on the “type of wallet” you would like to receive a transaction from, for example; EML and then select on the option “RECEIVE”.
Step 3: It will take you to the “Receive” screen. Please choose either sharing your “QR code” or “ sharing your wallet address” option. You can copy it or share it directly through any of your internet messaging (IM) apps.
Step 4: After completing the above process, you will be notified “You have received <> from <User>”, and that you have received the EML amount from the sender.

Yes. You will have to go to your Wallets from the tab menu on e-Mal digital wallet app. Select the currency you want to receive. You can copy the wallet address, share it directly from the app, or have the other person scan your QR code.

Digital Currency: We process the transfers right away depending on the blockchain network time, but time may vary depending on how long the specific transfer takes to be confirmed. We will constantly refresh the status of the transfer on your app so you will know as soon as the transfer is successful.
Fiat Currency: Usually transfer occurs instantly. May take up to 24 hours if there is a network issue.

There is a “Transactions” tab on the e-Mal digital wallet app. Once you click on it, you will see all of your transfers, with the most recent one at the top. They are all displayed in chronological order. If you click on any transfer, you will be able to see all the transfer details, including the digital currency value, whether it was a sent or received, the equivalent amount in AED, the fee, sender/receiver, date and time stamp, address, and transaction ID. You will also see at the top whether the transfer has been successful or not.

You can purchase EML from or for more information, contact [email protected]

The minimum amount for any transfer is equivalent to AED 10. You will need to have that amount plus the fee available on your wallet before initiating a transfer. There is not a maximum transfer limit or any other restrictions.

Specific to the e-Mal Wallet platform will be our e-Mal Tokens (EML) that will allow smooth transfers and payments for various transactions and services.e-Mal (EML) Tokens are based on the Ethereum platform and are built on ERC20 Token Standards. Ethereum is the world’s largest, leading smart contract blockchain. Ethereum was specifically chosen as it offers an efficient balance of speed and token liquidity. Currently, the currency for processing the Ethereum is known as Ether.

It works a bit like your traditional bank account number and looks similar to this: 


You can trust that e-Mal is committed to continually improve the user experience by implementing new features alongside top security and encryption functions. e-Mal ensures to provide all its users with a safe and secure decentralized platform for your multi-digital currency wallet transactions. The EML tokens are based on Distributed Ledger Technology (DLT).

Our team here at e-Mal take stringent security measures to make sure your account safety is not compromised at any level. However, as standard practice, we do advise our users to not share their Transaction PIN or any sensitive information that could cause a breach to their personal security.

We use peer-to-peer chat encryption on cloud. This enhances security, reliability on using a cloud platform based on a decentralised model for storing data.

Yes, the e-Mal digital wallet app  is based on a decentralised cloud platform. Amazon Web Services (AWS) is the running platform for our cloud storage and services. It is extremely secure and a top-of-mind cloud product for both enterprise and customer solutions.

Please notify us via the support option within the app or via email at [email protected] so we can immediately help you. Before requesting us to close your account make sure all of your funds have been successfully transferred to another wallet.

Digital Currency

Bitcoin (BTC) is a new kind of currency that can be sent from one person to another without the need for a trusted third party such as a centralised bank or other financial institution; it is the first global, decentralized currency.

Bitcoin was originally released in 2009 by Satoshi Nakamoto as a piece of software and a paper describing how it works. Because Bitcoin is fundamentally a software, anybody can run it on their computer, and therefore participate in a global economy.

The blockchain is one of the most important elements of Bitcoin technology. It tracks who owns what, which is similar to how a bank tracks assets. What sets the Bitcoin blockchain apart from a bank's ledger is that it is distributed, meaning anyone can view it. Since Bitcoin is open, no company, country, or third party is in control of it, and anyone can participate.

The Bitcoin Blockchain is a distributed, public ledger that contains the history of every bitcoin transaction. Anyone can download a copy of the blockchain, and it can be inspected to trace the path of bitcoins from one bitcoin transaction to another. It should be noted that while there is a record of every bitcoin transaction ever made, these transactions are not inherently linked to real-life identities. For this reason, Bitcoin is considered pseudonymous.

Ethereum is a decentralised blockchain platform founded in 2014 by Vitalik Buterin. Like Bitcoin, Ethereum is an open-source project that is not owned or operated by a single individual. This means that anyone, anywhere can download the software and begin interacting with the network.

In the Ethereum blockchain, Ether is the type of digital token that fuels the platform. It is also used by application developers to pay for transaction fees and services on the Ethereum network.

In the Ethereum platform, users are allowed to make and operate 'smart contracts' without having to trust each other or use a middleman. Smart contracts are applications that run exactly as programmed without any possibility of downtime, censorship, fraud, or third party interference - a smart contract will work exactly the same every time it is used. Ethereum aims to take the decentralisation, security, and openness afforded by blockchains and extend those to virtually anything that can be computed.