Traditional rails · Islamic finance

Islamic banking software, approved by your Shari'ah board

We build Shari'ah compliant banking, financing and wallets for Islamic banks and fintechs.

Mudaraba and Wakala deposits, Murabaha and Ijara financing, Islamic cards and wallets, and dual banking, with every product approved by your Shari'ah board.

Talk to our team All solution areas

Murabaha financingIllustrative

$36,000

Shari'ah boardApproved

Profit rateFixed at signing

Schedule36 instalments

What we build for you

Built to order, under your brand.

Shari'ah deposits

Mudaraba and Wakala accounts with profit distribution set by your board.

Islamic financing

Murabaha, Ijara and Musharaka contracts from application to repayment.

Cards and wallets

Debit, prepaid and wallet products that follow your board's rules on fees and merchants.

Dual banking

Conventional and Islamic products side by side, with separate ledgers and reporting.

Islamic finance products follow contracts, not interest. That changes how deposits share profit, how financing is structured and how fees are charged. The software has to reflect each contract exactly.

Deposits and financing

We build Mudaraba and Wakala deposit accounts with profit distribution set by your board, and Murabaha, Ijara and Musharaka financing from application to final payment.

Cards, wallets and dual banking

Debit, prepaid and wallet products follow your board's rules on fees and merchant categories. Banks that run both models get separate ledgers and reporting for Islamic and conventional products.

Approval

Your Shari'ah supervisory board approves every product. We prepare the documentation it needs and change the build to match its rulings.

What you own

Your Shari'ah board approves each product and its contracts. We build the technology to match its rulings.

Questions

What clients ask us

Who approves the products?

Your Shari'ah supervisory board. We document each product and contract flow for its review and change the build to match its rulings.

Can we run Islamic and conventional products together?

Yes. Dual banking keeps separate ledgers, profit pools and reports for Islamic products alongside your conventional ones.

Where to go next

ServiceDesign and engineeringProduct strategy, design and engineering for mobile apps, web portals and the APIs behind them, delivered in two-week cycles with working demos.Read more ServiceLaunch packagesThree fixed-scope packages, Essentials, Pro and Program, that take a fintech product from agreed scope to a live launch with a licensed partner.Read more ServiceManaged operationsDay-to-day operations after go-live, from KYC reviews and monitoring to reconciliation and support, run under your licensed partner's policies.Read more

The old rules of money. The new rails.

Talk to our team.

A new launch, an existing platform, a stuck project or a partnership. A senior member of the team replies within one working day.

Talk to our team [email protected]