App Store.
Origination
Murabaha Originator
Islamic Open Finance™
Cost-plus sale origination workflow with AAOIFI SS-8 + SS-30 attestation, mark-up disclosure, deferred-payment scheduling, ibra (early-payoff) handling.
Ijarah Lifecycle
Islamic Open Finance™
Lease origination, depreciation tracking, residual-value mgmt, Ijarah Muntahia Bittamleek (lease-to-own) per AAOIFI SS-9 + SS-9/2.
Murabaha Wakalah Bridge (3rd-party)
Partner Lab
Hybrid Murabaha-Wakalah structure for tier-2 corporate book. Shariah board review in progress.
Capital markets
Sukuk Issuance Suite
Islamic Open Finance™
End-to-end sukuk issuance, coupon scheduling, redemption, annual Shariah audit pack per AAOIFI SS-17 + SS-26.
Insurance
Takaful Underwriter
Islamic Open Finance™
Risk-pool quoting, surplus distribution prep, claims triage. Pools free of gharar + maysir per SS-26 §4.
Social finance
Waqf + Zakat Distributor
Islamic Open Finance™
Waqf, Sadaqah, Qard Hasan, Zakat allocations + distributions + beneficiary impact reports.
Compliance
AAOIFI Audit Pack
Islamic Open Finance™
Annual Shariah audit pack generator. Evidence chain across all contracts + board approvals + fatwah refs.
Open banking
Open Banking Bridge (OBP)
TESOBE
Bidirectional bridge to OBP API for sandbox + production. Phase-1 sandbox active, Phase-2 production ready.
Berlin Group NextGenPSD2
Berlin Group
Consent + accounts + PISP under PSD2 RTS. Compatible with PSD3 / PSR draft scopes.
AML / Sanctions
ComplyAdvantage Screening
ComplyAdvantage
Sanctions + PEP + adverse media screening with continuous monitoring. FATF + EU + OFAC lists.
Identity
Onfido KYC
Onfido
Biometric KYC, document verification, liveness checks. Integrated into KYC rail with maker-checker.
Authorization
Cerbos Policy Hub
Cerbos
Centralized ABAC policy decisions across 282 resource policies. Service-PDP + Embedded-PDP variants.
Billing
Stripe Metering Adapter
Stripe
Usage-based metering with Shariah-permissible pricing models (no riba on overage; transparent admin fees).
Ledger
TigerBeetle Ledger
TigerBeetle Inc.
Double-entry ledger, sub-millisecond writes, atomic DvP/PvP. Powers all 89 rails.
Analytics
ClickHouse Analytics
ClickHouse
Real-time analytics across rails, contracts, and tenants.
AI runtime
Anthropic Claude (MCP)
Anthropic
Native MCP server at mcp.islamicopenfinance.com. Cerbos-bound tool calls + EU AI Act conformity card.
Publish to the IOF App Store
Partners can submit connectors, modules, and complete apps for certification. Certified listings get a Shariah review, security review, and a public listing on this page.