Product review
Before a product is offered, its contract form, fund flow, fee logic, risk wording, and investor disclosures are reviewed for Shariah suitability.
Sharia Compliance
How ZARI keeps finance faith-aligned.
ZARI products are structured around recognised Islamic finance contracts, reviewed before launch, and monitored through documentation, transaction controls, and audit-ready reporting.
ZARI guidance
Core information
Clear rules, plain language, audit-ready records.
Contract integrity
Wakala, Mudaraba, and Murabaha structures are kept distinct. Expected profit, agency fees, profit-share ratios, margins, assets, and settlement dates are documented clearly.
Prohibited activity filters
Funds are not knowingly placed into alcohol, gambling, conventional interest, pork-related activity, adult entertainment, or other prohibited sectors.
Operational monitoring
Contract IDs, product ledgers, payment references, and supporting PDFs help compliance teams verify that the live operation matches the approved structure.
Investor transparency
The investor should be able to understand the product type, where funds move, how profit is calculated, what fees apply, and what risk remains.
Issue handling
If an error or non-compliant event is identified, ZARI can suspend the relevant flow, investigate, correct records, and apply purification or remediation where appropriate.
balance
Board-reviewed structures
Product mechanics are reviewed before launch and revisited when terms materially change.
account_tree
Traceable fund flows
Each product has defined accounts, movements, references, and controls.
verified
Ongoing checks
Compliance is treated as an operating practice, not just a launch certificate.
Ready to move from intention to action?
Create your ZARI profile, complete KYC, and review every contract before a single XAF is committed.
Open an accountarrow_forward