The Islamic Open Finance™ ecosystem.
Layer legend
Foundation
Schemas, taxonomy, audit, and shared types — the bedrock every other layer compiles against.
Typed contract primitives — every Islamic-finance contract.
89 rails, 19 categories, MCC mapping, regime taxonomy.
ISO 20022 schemas — pain.001, pacs.008, pacs.002, camt.054.
Append-only audit log — SHA-256 chained, regulator-ready.
Typed Prisma SSOT — every domain table, migrated forward-only.
Versioned rule evaluation primitives.
66 Shariah Standards — every Islamic-finance contract type.
Prudential standards for Islamic financial services.
Security, availability, processing integrity, privacy.
EU data protection — minimisation, consent, erasure, portability.
SCA, secure communication, third-party access.
Open Finance access, enhanced SCA, IBAN-name match, instant-payment fraud framework.
Information security management system.
Financial messaging — XML and JSON.
Capital adequacy, liquidity, leverage.
Risk-classified AI system governance.
AML / CFT recommendations.
EU markets in crypto-assets framework.
Digital operational resilience for financial entities.
Domain Engines
Ten purpose-built engines that implement the core Shariah-native primitives — contracts, ledger, payments, evidence.
AAOIFI-native contract lifecycle — 66 typed schemas with SS-8 to SS-39 enforcement.
Real-time double-entry — atomic multi-account transfers, immutable history.
SEPA Instant + SWIFT + RTGS routing with ISO 20022 native messages.
Format-agnostic — ISO 20022 XML/JSON, SWIFT MT, proprietary, all SHA-256 anchored.
ABAC + evidence pipeline — 258 policies across 13 regulatory regimes.
Tamper-evident audit packs per transaction — Merkle anchored, 7-year retention.
KYC / KYB / AML / sanctions screening — FATCA, CRS, UBO.
Liquidity, FX, investing, profit-distribution rails.
Deterministic evaluator — versioned policies, structured outputs.
Multi-asset DvP/PvP with finality semantics and atomic settlement.
Banking-grade operational resilience — split-leg failure, partial settlement, timeout, suspense holdings, compensation, record hierarchy, dispute evidence, supervisory exports. IOF + OBF dual-overlay (Shariah-attested neutrality + conventional reversal).
VaR + scenario analysis + stress testing + per-counterparty + per-product limits. Bound to Basel III + IFSB-15.
Single canonical view of every party: legal entities, beneficial owners, related parties, mandates, LEI/IDs/KYC, role-in-product/role-in-case.
Open-finance consents, signatory schemes (single/joint/N-eyes), maker-checker, board / Shariah-board approvals, RM-assisted actions, custodian instructions.
Workflow surface for sanctions / PEP / adverse-media alert lifecycle, decision trail, evidence export, override approvals, false-positive resolution.
Connector certification, participant conformance, sandbox-test grading, scheme-version compatibility, expiry/renewal/suspension lifecycle.
Controlled feed of rates, FX prices, benchmarks, calendars, holidays, instrument reference, valuation inputs, market conventions. Distinct from internal taxonomy.
Infrastructure
Cross-cutting platform services — auth, observability, secrets, search, structured logging.
Clerk + JWT + tenant resolution + Cerbos client.
Double-entry primitives — strict invariants, deterministic transfers.
Typed event bus — webhook delivery, dead-letter, replay.
Full-text + semantic search abstraction.
Vault-agnostic secret access — AWS SSM + Cloudflare Workers KV.
Structured logger, OpenTelemetry traces, Sentry/Axiom export.
Integration
Tenancy, billing, webhooks, OBP connectors — the tissue that binds engines to applications.
Hono middleware — rate-limit, auth, logging, tracing.
Stripe metering, subscriptions, invoicing.
Inbound + outbound webhook signing, replay, idempotency.
Tenant scoping, isolation, BYOC bootstrap.
Multi-workspace inside a tenant — role + member management.
Phase-1 sandbox & Phase-2 production OBP connector (PSD2 + Berlin Group).
Continuous compliance posture monitoring with alert pipeline.
Application
The deployed services and edge workers — rail-api, ledger-service, analytics-api, OBP gateway.
The 109-rail Shariah-native API — 150 routes, OpenAPI 3.1, MCP-exposed.
Real-time double-entry ledger — atomic N-leg transfers, evidence-pack export.
Analytical OLAP surface — 19 categories, per-rail metrics.
Treasury, FX, liquidity, profit distribution, RTGS bridge.
Open Banking Protocol bridge — phased path to Tier-1 core integration.
Contract templates, regulator-shaped reports, evidence-pack PDFs.
ISO 20022 XML/JSON, SWIFT MT, queue and HTTP delivery adapters.
Tenant resolution, auth pre-check, rate-limit, geo-routing.
Model Context Protocol surface — 89 rails as typed MCP tools.
Embedded Cerbos PDP — sub-millisecond ABAC at the edge.
Presentation
User-facing apps — landing, portals, demos, docs, developer surface, ecosystem map.
Public marketing site — product, solutions, pricing, FAQ.
Operator console — supervision, conformance, incidents, tenants.
Tenant self-service — contracts, ledger, treasury, compliance.
Plan, usage metering, invoices, and payment methods (Stripe-backed).
Browse 13 regulatory regimes, 258 ABAC policies, and evidence packs.
Try every one of the 150 endpoints with live, signed requests.
API keys, SDKs, code examples, MCP server, OpenAPI specs.
Provisioning UI for isolated test tenants with synthetic data.
Inspect, replay, and validate event-envelope webhook deliveries.
Code-generation surface for SDK + widget scaffolding.
Astro Starlight docs — guides, references, cookbooks.
Long-form architecture and concept reference.
Islamic-finance and platform terminology — AAOIFI-aligned.
Comparison vs. legacy core-banking and conventional Islamic stacks.
Investor and partnership pitch surface.
Channel, integrator, and design-partner programmes.
Compliance attestations, certifications, and security posture.
Careers and design-partner application surface.
Catalog of compliant copilots — Asset Integrity, Sukuk Lifecycle, Takaful.
Article 49 registry, FRIA/DPIA, oversight logs, conformity packs.
Real-time service health, uptime, and incident timeline.
Embeddable widgets for third-party platforms.
Al-Amanah Islamic Bank — Murabaha, Ijarah, Sukuk, corporate banking.
HalalPay — wallet, halal BNPL, embedded payments.
Mizan Microfinance — Qard Hasan, group lending, Waqf, Zakat.
Salaam Takaful — family, general, claims, surplus.
Aman Embedded Finance — white-label accounts, cards, lending.
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