Banks & Financial Institutions

Transform Your IslamicBanking Operations

Islamic Open Finance™ provides 105 specialized rails across 12 categories — deploy Murabaha, Ijarah, Musharakah, and more with automated Shariah governance, AAOIFI compliance, and a real-time double-entry ledger.

Unified Islamic Banking Dashboard

Real-time visibility across all Islamic banking operations

Islamic Open Finance™ Operations Center

Live Operations105 Rails Active

Active Contracts

12,847
↑ 12.3%
Murabaha8,234
Ijarah2,156
Musharakah1,847

Portfolio Value

$2.84B
↑ 8.7%
Commercial$1.2B
Retail$987M
SME$653M

Compliance Score

98.7%
↑ Shariah compliance rate
Approved12,689
Pending Review158
Rejected0

Real-time Transaction Flow

Contract InitiatedShariah ReviewRisk AssessmentCompliance CheckExecution

Enterprise Banking Capabilities

Everything banks need to digitize Islamic finance operations — from contract origination to regulatory reporting.

105 Specialized Rails

Pre-built business domain modules across 12 categories covering the full spectrum of Islamic finance operations.

  • 19 core Islamic contract types
  • 11 Takaful rails
  • 7 Islamic funds rails
  • 6 capital markets rails

Core Islamic Contracts

Full lifecycle management for Murabaha, Ijarah, Musharakah, Mudarabah, Salam, Istisna, and Wakalah contracts.

  • Automated profit calculation
  • Shariah board approval workflow
  • Multi-jurisdiction support
  • Fatwah reference tracking

AAOIFI Compliance

Built-in compliance with AAOIFI Shariah Standards SS-8 through SS-39 for every contract type and financial instrument.

  • SS-8 Murabaha standards
  • SS-9 Ijarah standards
  • Annual Shariah audit support
  • Board governance workflows

Real-Time Ledger

Double-entry accounting engine providing instant balance tracking, profit distribution, and reconciliation across all rails.

  • Double-entry accounting
  • Real-time balance tracking
  • Automated reconciliation
  • Multi-currency support

Multi-Tenant Architecture

Enterprise-grade tenant isolation with subdomain routing, JWT-scoped access, and per-tenant configuration.

  • Subdomain tenant resolution
  • Data isolation guarantees
  • Per-tenant feature flags
  • White-label support

142+ API Endpoints

Comprehensive RESTful API covering every rail, with interactive documentation, sandbox testing, and SDK support.

  • OpenAPI 3.1 specification
  • Interactive API explorer
  • TypeScript & Python SDKs
  • Webhook event system

Banking-Grade Compliance

Compliance is a first-class engineering principle — built into every layer, not bolted on afterward.

SOC 2 Type II

Audit trails on all data access, encryption at rest and in transit

GDPR

Data minimization, consent management, right to erasure

PSD2

Strong Customer Authentication, secure communication

ISO 27001

Information security management, risk assessment

ISO 20022

Standardized financial messaging with XML/JSON schemas

AAOIFI / IFSB

Shariah Standards SS-8 through SS-39 and prudential standards

API-First Integration

142+ RESTful endpoints with interactive documentation, sandbox testing, and full SDK support for Islamic Open Finance™.

Contract Rail

Live

Full lifecycle management for Islamic finance contracts across 19 contract types.

Create Murabaha Contract

POST/api/v1/contracts
{
  "type": "MURABAHA",
  "jurisdictionCode": "SA",
  "currency": "SAR",
  "principalAmount": 100000,
  "sellerOrgId": "org_123",
  "buyerOrgId": "org_456",
  "contractData": {
    "assetDescription": "Vehicle",
    "profitRate": 0.05
  }
}

List Contracts

GET/api/v1/contracts?page=1&limit=20&status=ACTIVE&type=MURABAHA

Execute Contract

POST/api/v1/contracts/:contractId/execute

Ready to modernize your Islamic banking?

Join leading financial institutions using Islamic Open Finance™ to power Shariah-compliant operations with 105 rails, 142+ endpoints, and banking-grade compliance built in from day one.