Return risk
Expected profit rates are projections or targets. Actual profit can be lower, delayed, or unavailable depending on the product structure and underlying activity.
Risk Disclosure
Invest clearly. Accept risk knowingly.
ZARI offers ethical investment products, not guaranteed bank interest. This page summarises the principal risks investors should understand before subscribing.
ZARI guidance
Core information
Clear rules, plain language, audit-ready records.
Capital risk
Some products may expose capital to business performance, asset sale, counterparty, or operational risk. Capital protection depends on the specific contract and circumstances.
Liquidity risk
Locked products may not support early withdrawal. Even flexible products can be affected by payment rails, compliance reviews, holidays, or partner-bank processing time.
Counterparty risk
Banks, brokers, SMEs, payment providers, and other counterparties may fail to perform on time or in full. ZARI monitors partners but cannot remove all external risk.
Currency and corridor risk
Diaspora investors may face exchange-rate movement, transfer limits, taxes, fees, or regulatory requirements between their country of residence and Cameroon.
Technology and data risk
ZARI uses security controls, but account access, notifications, documents, and payment confirmations still depend on devices, networks, providers, and user behaviour.
warning
No hidden guarantee
A Shariah-compliant product should not be treated as a disguised fixed-interest deposit.
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Read each contract
Risk differs by Wakala, Mudaraba, Murabaha, and SME financing structures.
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Suitability matters
Choose products that fit your liquidity needs, time horizon, and tolerance for uncertainty.
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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