Everything Islamic Finance needs.
Open vs commercial
What ships free
Open under Apache 2.0
- All 109 Shariah-native rails in sandbox environment
- OpenAPI 3.1 spec + typed SDKs (TS, Python, Java, Go, Ruby)
- MCP server for AI agent integration
- API Explorer with live request testing
What we charge for
Commercial / paid
- Production transaction processing across all rails
- BYOC deployment (Helm + Docker + Terraform)
- 99.95%–99.99% uptime SLA + dedicated support
- Annual Shariah audit pack + evidence packs
One platform · one schema · one audit envelope
The same Islamic Open Finance™ stack powers every page, every rail, every region.
89
Shariah-native rails
37
EU/EEA + GCC jurisdictions
<10s
SEPA Instant settlement
13
Compliance regimes built in
66
AAOIFI contract schemas
150
Typed API endpoints
Every Feature, Shariah-Native
Each rail is a self-contained, independently deployable module. Use the full platform or compose only the rails your product requires.
Embedded Finance
White-label Islamic finance APIs that embed Shariah-compliant products directly into any application, platform, or customer journey without replacing existing infrastructure.
- White-label API endpoints for seamless branding
- Shariah-compliant product embedding in any app
- Zero-disruption overlay on existing cores
- SDK support for TypeScript, Python, and more
Microfinance
Purpose-built rails for financial inclusion — Qard Hasan (benevolent loans), micro-Murabaha, and micro-Ijarah for underserved communities and small-business financing.
- Qard Hasan benevolent loan lifecycle
- Micro-Murabaha for small asset finance
- Micro-Ijarah for equipment and lease finance
- Group lending and solidarity circle support
Sukuk (Islamic Bonds)
Full sukuk lifecycle management — from issuance and structuring through secondary market trading, settlement, corporate actions, periodic valuation, and ongoing compliance monitoring.
- Sukuk issuance and structure management
- Secondary market trading and order book
- Settlement and clearing workflows
- Corporate actions and profit distribution
Islamic Contracts
19 core Shariah-native contract types with full lifecycle management, automated profit calculation, multi-jurisdiction support, Shariah board approval workflows, and fatwah reference tracking.
- Murabaha, Ijarah, Musharakah, Mudarabah
- Salam, Istisna, Wakalah, Qard Hasan
- Automated Shariah board approval workflows
- AAOIFI SS-8 through SS-39 built in
Ledger & Accounting
High-performance distributed ledger with double-entry accounting, real-time balance tracking, automated profit distribution, and multi-currency support across all rails.
- Double-entry accounting on every transaction
- Real-time balance and position tracking
- Multi-currency with FX rate integration
- Automated profit and loss distribution
Reconciliation
Automated reconciliation engine that continuously matches ledger entries across rails, surfaces exceptions for human review, and produces audit-ready reconciliation reports.
- Continuous automated ledger matching
- Exception management and escalation queues
- Multi-source reconciliation (nostro/vostro)
- Audit-ready reconciliation reports
ISO 20022 Financial Messaging
SWIFT-compatible payment messages using ISO 20022 XML and JSON schemas with standardized identifiers (ISIN, LEI, BIC) and structured payment data for cross-border interoperability. Intra-SEPA corridors supported with SCT, SCT Inst (<10s, Shariah-preferred), SDD Core, and SDD B2B variants.
- ISO 20022 XML and JSON message schemas
- SWIFT-compatible structured identifiers
- pacs, camt, pain message families
- SEPA SCT / SCT Inst / SDD Core / SDD B2B (37 participants, EUR)
- Cross-border interoperability layer
EU AI Act Compliance
End-to-end EU AI Act (2024/1689) compliance rail — AI system registry, risk classification (prohibited, high-risk, limited, minimal), conformity assessment, human oversight logging, and incident reporting.
- AI system registry and cataloguing
- Risk classification per Annex III
- Conformity assessment documentation
- Human oversight and incident reporting
Agent Rail
Deterministic AI agents for compliance-critical workflows — KYC verification, Shariah compliance checking, automated reconciliation, and regulatory evidence pack generation with full audit trails.
- KYC and AML agent automation
- Shariah compliance verification agents
- Evidence pack generation for auditors
- Deterministic, auditable decision logs
Payment Rail
Multi-corridor payment rail with intelligent routing, FX conversion, settlement, and clearing — all structured around Shariah-compliant fund flows with full transaction monitoring.
- Multi-corridor payment routing
- FX conversion with rate management
- Settlement and clearing workflows
- Shariah-compliant fund flow controls
MCP Server
Model Context Protocol (MCP) server that exposes Islamic Open Finance™ rails to AI models, enabling AI-native banking integration with structured tools, prompts, and resources for LLM-driven workflows.
- MCP-native tool, prompt, and resource exposure
- AI-driven rail orchestration via LLMs
- Claude, GPT, and open-model compatible
- Structured schema output for every rail
Takaful (Islamic Insurance)
Comprehensive Takaful operations across general, family, and specialist lines — underwriting, claims management, surplus distribution, reinsurance (retakaful), and actuarial modeling.
- General and family Takaful policy lifecycle
- Claims processing and adjudication
- Surplus distribution to participants
- Retakaful and reinsurance structures
Waqf & Social Finance
Dedicated rails for Islamic social finance instruments — Waqf (endowment) asset management, Sadaqah (charitable giving), Zakat calculation and disbursement, and Qard Hasan administration.
- Waqf asset registration and management
- Sadaqah collection and distribution
- Nisab-based Zakat calculation engine
- Beneficiary management and reporting
Trade Finance
Shariah-compliant trade finance rails covering letters of credit, bank guarantees, documentary collections, and supply chain finance — enabling global Islamic trade with full compliance.
- Letters of credit issuance and advising
- Islamic bank guarantees (Kafalah)
- Documentary collection workflows
- Supply chain finance (Murabaha-based)
Islamic Funds
End-to-end Islamic fund operations — fund creation and NAV management, investor subscriptions and redemptions, Shariah-compliant fee structures, performance reporting, and distribution management.
- Fund creation and NAV calculation
- Subscription and redemption processing
- Shariah compliance screening for holdings
- Distribution and performance reporting
Prudential & Basel III
IFSB prudential standards and Basel III regulatory capital rails — capital adequacy ratios, liquidity coverage, leverage monitoring, stress testing, and Pillar 2/3 regulatory disclosure.
- Capital adequacy ratio (CAR) computation
- Liquidity coverage ratio (LCR) tracking
- Stress testing and scenario analysis
- Pillar 2 and Pillar 3 disclosure reports
Observability
Real-time analytics and audit infrastructure — SLO tracking, structured audit trails for every data access, Shariah monitoring dashboards, and regulatory evidence pack generation.
- Real-time operational dashboards
- Structured audit trails (SOC 2 Type II)
- SLO and SLA monitoring across rails
- Shariah monitoring and breach alerting
Multi-Tenant Architecture
Enterprise-grade tenant isolation with subdomain routing, JWT-scoped access control, per-tenant feature flags, workspace management, and white-label branding support.
- Complete data isolation per tenant
- Subdomain and header-based tenant routing
- Per-tenant feature flags and configuration
- White-label branding and workspace management
Built to Every Standard
Every rail enforces compliance requirements from the first line of code — not bolted on afterward.
Start Building on Islamic Open Finance™
Access all 89 rails, 150 API routes, and every compliance module through our sandbox environment. No integration required to explore.