← Islamic Open Finance™Frameworks Explorer

Frameworks explorer.

13 regulatory and Shariah frameworks carried by default across 6 categories. Every IOF rail enforces the applicable subset; the platform's Self-Audit + Self-Governance engines continuously verify conformity.

13 of 13 shown

Shariah

2 frameworks

Islamic governance + product permissibility under AAOIFI + IFSB.

AAOIFI

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Shariah Standards SS-8 — SS-39

Shariah Standards + prudential standards work as a paired regime.

IFSB

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Prudential standards & capital adequacy

Security

2 frameworks

Information security, posture, and audit controls (SOC 2, ISO 27001).

SOC 2 Type II

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Security, availability, confidentiality

Security control set heavily overlaps; certification reuses ~80% evidence.

ISO 27001

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Information security management

Privacy

1 framework

Data protection, subject rights, lawful basis (GDPR).

GDPR

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EU data protection & subject rights

Personal-data processing in high-risk AI systems triggers a joint DPIA + FRIA.

Financial

6 frameworks

Payment + financial messaging + capital adequacy (PSD2/3, ISO 20022, Basel III).

PSD2

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Strong customer authentication (SCA)

PSD3 / PSR is the successor; ISO 20022 is the message backbone for both.

PSD3 / PSR

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Open Finance + enhanced SCA, IBAN-name match, instant-payment fraud framework

ISO 20022

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Financial messaging (pacs.008, pacs.003)

Basel III

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Liquidity coverage & capital ratios

FATF

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AML, CFT, sanctions screening

MiCA

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Crypto-asset markets (where applicable)

AI

1 framework

AI conformity + risk classification (EU AI Act).

EU AI Act

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AI system registry & conformity (2024/1689)

AI conformity intersects with privacy + operational resilience for financial AI.

Resilience

1 framework

Operational resilience, third-party risk (DORA, IFSB-21).

DORA

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Digital operational resilience (EU)

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