Who can become a partner?

Banks and participatory banks, financing companies, insurers, credit or insurance brokers and general agents operating in Morocco. We ask at minimum for a verifiable registration and, for insurance, the licence or mandate authorising your activity. We do not verify a number on your behalf: that remains your responsibility.

Is exclusivity possible?

It is negotiated vertical by vertical, and it is never automatic. By default an approved file is assigned to every partner whose scope matches. Reserving a vertical for a single partner is possible in the contract, with the volume commitments that implies.

What volume can I expect?

We guarantee no volume. The figures published above describe the past, not the future. How many files you are assigned depends on the verticals you open, how narrow your profile filters are, the approval rate at review, and how many partners are active on the same vertical.

How is users' data protected?

People are told, when they submit, that their file may be forwarded to a partner, and they consent to the processing under Moroccan law 09-08. You access only the files assigned to you, through named accounts, and you may use that data solely to handle the request in question. Any other reuse, including prospecting, is excluded by the contract.

How does a partnership end?

By termination with notice, on either side. On termination, access to the partner workspace is closed and no further file is assigned to you. Files already under assessment on your side remain governed by the contract until they conclude.

Partnerships

Receive reviewed applications from Wafir.ma

Wafir.ma is an independent credit and insurance comparison site in Morocco. A consumer completes a guided journey, uploads supporting documents, and we review the file before forwarding it to a partner able to process it. This page sets out the demand we actually observe, how the review works, and how to apply.

Apply as a partner

What we do, and what we are not

Our role

We publish comparisons, guides and calculators on credit and insurance in Morocco, in French, Arabic and English.
We collect a consumer's request through a guided journey specific to each product, together with supporting documents.
We review every file internally before any transfer: contact details, document completeness, inspection of the uploads.
We forward the file to partners whose vertical and profile filter match it.

What we are not

Wafir.ma is not an insurance intermediary licensed by ACAPS.
Wafir.ma is not a credit institution: we do not lend and we guarantee no financing.
We give no personalised advice, sign no contract, and collect no premium or funds.
Assessing the file, deciding, pricing and the contractual relationship with the client are the partner's responsibility alone.

The partner remains responsible for its own regulatory compliance, for verifying the documents it receives and for the information owed to the client. Nothing we forward replaces that assessment.

Demand observed on Wafir.ma

Figures read from our database on 27 August 2026, covering the preceding 90 days. They describe activity measured on wafir.ma and nothing else: they are neither an estimate of the Moroccan market nor a volume commitment.

1 027

Applications submitted over 90 days

870

Applications with email and phone

84.7% of submitted applications

Verticals detailed below

Breakdown by vertical — 90 days ending 27 August 2026
Vertical	Applications	Share
Consumer loan	216	21%
Car insurance	204	19.9%
Travel insurance	98	9.5%
Home loan	85	8.3%
Health insurance	81	7.9%
Loan buyback	60	5.8%
Savings & investment	48	4.7%
Mourabaha financing	44	4.3%
Auto loan	32	3.1%
Home insurance	28	2.7%
Buy now, pay later	21	2%
Motorcycle & two-wheeler insurance	12	1.2%
Unpaid rent insurance	11	1.1%
Microcredit	11	1.1%
Other verticals	76	7.4%
Total	1 027	100%

Shares are calculated on the total of submitted applications. The “Other verticals” row groups products that stayed below the display threshold over the period. A submitted application is not a complete one: see the process below.

How an application reaches you

Four steps, in this order. No file is forwarded without passing all four.

1
Guided journey
The consumer picks a product and answers the questionnaire specific to that vertical: situation, income, project, amount, term, city. The journey is available in all three languages of the site.
2
Document upload
Each product declares its required documents and their parts (front and back, several months of statements). A file counts as complete only once every required document applicable to the profile has been uploaded.
3
Internal review
A complete file enters a review queue and waits there for a human decision. Nothing is forwarded automatically, however complete or however recent.
4
Transfer
Once approved, the file is assigned to partners whose scope covers its vertical and whose profile filter it satisfies. Each assignment is recorded and timestamped.

What a forwarded application contains

The request: product, vertical, amount, term, and the parameters specific to the product.
The client: full name, phone, email, city.
The declared situation: employment status, monthly income, existing charges and loans, depending on the product.
The uploaded documents, viewable in your workspace, with the file's completeness status.
A summary sheet as a PDF, each page carrying the name of the receiving partner.
The file history: submission, review and assignment dates.

What is checked before sending

Completeness: every document required by the product, including its parts, is present. A partial file never enters the review queue.
Contact details: name, email address and Moroccan mobile number are validated. Fictitious entries and implausible numbers are rejected.
Documents: uploads are inspected to rule out selfies, screenshots, blank or unreadable images and off-topic files.
Human decision: an operator approves or rejects, file by file. A rejected file is never forwarded.

What you receive

The partner workspace is accessed through named accounts. Each partner sees only the files assigned to it.

A tracking workspace

Your assigned files, with search, a status filter, the full record, attachments and PDF export.

A status cycle

New, viewed, in progress, offer made, unlocked, rejected, expired. You update the status; we never decide it for you.

A history

Logins and actions in the workspace are logged. The handling of a file can be reconstructed end to end, on both sides.

Two commercial models

The model is set in the contract, partner by partner. We publish no price: it depends on the vertical, the volume and any exclusivity, and it is a matter for discussion.

LEADS

Purchase of applications

You pay for the files assigned to you, within the agreed scope of verticals. Payment does not depend on the outcome of your assessment: you pay for access to the file, not for the result.

COMMISSION

Commission share

Nothing is due on assignment. A commission falls due when the file succeeds — loan released, contract signed. The rate is set in the contract and attached to each assignment, which keeps the count verifiable on both sides.

A partner is attached to one of these two models at a time. Moving from one to the other requires an amendment.

Verticals covered

You declare the verticals you handle. A file is assigned to you only if its vertical is on that list, and you can narrow it further by profile. Below are the products for which applications were received over the last 90 days.

Consumer loan216
Car insurance204
Travel insurance98
Home loan85
Health insurance81
Loan buyback60
Savings & investment48
Mourabaha financing44
Auto loan32
Home insurance28
Buy now, pay later21
Motorcycle & two-wheeler insurance12
Unpaid rent insurance11
Microcredit11

The site's full catalogue covers 44 products. Verticals with no application over the period are not shown above, which does not close them: they can be opened in the contract.

Frequently asked questions

Who can become a partner?: Banks and participatory banks, financing companies, insurers, credit or insurance brokers and general agents operating in Morocco. We ask at minimum for a verifiable registration and, for insurance, the licence or mandate authorising your activity. We do not verify a number on your behalf: that remains your responsibility.
Is exclusivity possible?: It is negotiated vertical by vertical, and it is never automatic. By default an approved file is assigned to every partner whose scope matches. Reserving a vertical for a single partner is possible in the contract, with the volume commitments that implies.
What volume can I expect?: We guarantee no volume. The figures published above describe the past, not the future. How many files you are assigned depends on the verticals you open, how narrow your profile filters are, the approval rate at review, and how many partners are active on the same vertical.
How is users' data protected?: People are told, when they submit, that their file may be forwarded to a partner, and they consent to the processing under Moroccan law 09-08. You access only the files assigned to you, through named accounts, and you may use that data solely to handle the request in question. Any other reuse, including prospecting, is excluded by the contract.
How does a partnership end?: By termination with notice, on either side. On termination, access to the partner workspace is closed and no further file is assigned to you. Files already under assessment on your side remain governed by the contract until they conclude.