Agency mandate
You appoint ZARI to place your funds into approved Shariah-compliant assets. The Wakala fee, expected profit rate, and investment mandate are disclosed before subscription.
Ethical Savings
Flexible savings with Wakala discipline.
ZARI Ethical Savings is designed for investors who want access to their money while keeping funds in a Shariah-governed cash management pool. You appoint ZARI as Wakil, review the mandate, and track profit monthly.
Flexible access
Contract
Wakala
Liquidity
Instant
Profit
Monthly
Expected return
4-6% p.a.
Product structure
Built as a real contract, not a marketing wrapper.
Daily balance calculation
Profit is calculated from the average daily balance, then distributed monthly. Under-performance is not converted into interest; you receive actual realised profit.
Transparent pool monitoring
The cash management pool is monitored for asset eligibility, liquidity, and contract compliance. Every subscription receives a contract identifier.
Designed for reserves
Use it for emergency savings, upcoming family obligations, or keeping Cameroon-linked capital productive while you decide on longer-tenor investments.
savings
No lock-in
Withdraw available funds when you need them, subject to operational payment rails and account checks.
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Clear fee model
The Wakala fee is stated in the mandate. ZARI may retain excess performance only where the contract permits it.
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Shariah reviewed
The mandate, pool rules, and product disclosures are reviewed before launch and monitored during operation.
Investor terms
What you see before you subscribe.
Who it suits
Investors who value liquidity, ethical placement, and predictable reporting more than maximum expected return.
Important risk
Expected profit is a target, not a guaranteed interest rate. Actual returns depend on compliant pool performance.
Ready to move from intention to action?
Create your ZARI profile, complete KYC, and review every contract before a single XAF is committed.
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