The Infrastructure Layer
for Islamic Finance
109 Shariah-native API rails. 37 jurisdictions. 10 purpose-built engines. Banking-grade compliance wired into every transaction — not bolted on afterward.
The Problem is Systemic
Islamic finance is the fastest-growing segment of global banking. Its infrastructure is decades behind.
Shariah as an Afterthought
Conventional cores treat Shariah as a PDF layer bolted on after architecture is set. Contract structures, profit-sharing logic, and fatwa references live outside the system of record, creating structural audit gaps auditors cannot close.
Fragmented Infrastructure
No unified Shariah-native API layer exists. Every Islamic financial institution rebuilds the same compliance primitives in isolation — duplicating fatwa-driven workflows, ledger logic, and jurisdictional rules in-house.
Regulatory Fragmentation
37 jurisdictions. 13 regulatory regimes. Zero interoperability. Cross-border Islamic finance requires a custom compliance build per corridor — which is why cross-border scale remains elusive.
Batch-Era Settlement
SWIFT MT/MX cut-off windows, 1–2 day settlement, end-of-day reconciliation. Islamic finance customers — across 37 jurisdictions and 8 time-zones — cannot wait for T+1 batch cycles.
One Platform. Every Islamic Finance Primitive.
IOF is the infrastructure layer that every Islamic financial institution needs but none has been able to build alone.
Ten Engines. One Platform.
Each engine is independently scalable, independently auditable, and wired into every rail. No engine runs as a bolt-on.
AAOIFI-native contract lifecycle — Murabaha, Ijarah, Musharakah, Mudarabah, Salam, Istisna, Wakalah, Sukuk, Takaful, Qard Hasan, Waqf. Every schema enforces SS-8 through SS-39 at the type level.
Real-time double-entry accounting with strict debit/credit invariants, atomic multi-account transfers, immutable history. Every transaction carries a Shariah framing.
SEPA Instant + SWIFT + RTGS routing. Auto-detects SCT / SCT Inst / SDD. IBAN ISO 13616 validation. Emits ISO 20022 pacs.008 / pacs.003 XML or JSON.
Format-agnostic financial messaging — ISO 20022 XML + JSON, SWIFT MT, and proprietary formats with SHA-256 digest and tenant-scoped delivery adapters.
ABAC policy + evidence pipeline. 258 resource policies across AAOIFI, IFSB, SOC 2, GDPR, PSD2, ISO 27001, ISO 20022, Basel III, EU AI Act, FATF, MiCA, DORA.
Tamper-evident audit packs per transaction — structured, deterministic, timestamped. Export to Shariah auditor, SOC 2 examiner, GDPR Art. 30 record, PSD2 SCA log.
KYC / KYB / AML / sanctions. Biometric KYC, business-entity KYB, AML risk scoring, FATF + OFAC + EU screening, UBO declaration capture.
Liquidity + FX + Shariah-compliant investing. Cash position management, liquidity forecasting, Bay-al-Sarf-guarded FX, portfolio tracking for asset managers and bank treasuries.
Deterministic rule evaluator for eligibility, profit-rate caps, concentration limits, Shariah screens (halal stock filtering), jurisdictional overrides. Replay-safe.
Multi-asset settlement finality — DvP, sukuk settlement, SEPA Instant finality, multi-leg clearing across cash, commodities, capital-market instruments. Shariah-compliant netting.
Agent-Native. MCP-First.
IOF was built for the agentic era. Every rail is an MCP tool. Every tool is guardrailed, tenant-scoped, and Shariah-audited. AI agents and LLM assistants consume IOF the same way a bank does — through one API, one policy layer, one audit trail.
Purpose-built agents for finance-grade operations — KYC routing, anomaly detection, reconciliation, evidence, reporting, zakat. Every agent is replay-safe, audit-logged, and paired with a typed schema.
Framework-agnostic agent orchestration with a policy-guarded gateway. Plug any LLM (Claude, OpenAI, local) behind one typed interface. Every agent call goes through the same ABAC, rate-limit, and audit pipeline as the rest of IOF.
A Cloudflare Worker that exposes every IOF rail as a Model-Context-Protocol tool. Claude, ChatGPT, and any MCP-compatible client can invoke Murabaha, Ijarah, Sukuk, Zakat — with tenant auth, Shariah guardrails, and full audit logging enforced edge-side.
The 24/7/365 Rail. Not the SWIFT Window.
Islamic finance serves 1.9 billion customers across 8 time-zones. Batch windows, cut-off times, and T+1 settlement are artefacts of a 1970s correspondent banking model. IOF replaces them.
Onboarding Rail
Identity, sanctions, PEP, adverse-media, Shariah eligibility — all evaluated in a single synchronous call. Replaces the industry-standard 5–15 day onboarding cycle with a sub-10-minute decision.
Payments Rail
Sub-second domestic settlement, five-second cross-border, no MT/MX cut-off windows. One messaging standard across 37 jurisdictions — while SWIFT participants are still migrating to ISO 20022 through 2025.
Reconciliation Rail
Continuous auto-matching replaces batch recon entirely. Breaks are surfaced the moment they occur, with structured evidence packs auditors can consume without translation.
Settlement Rail
Financial-grade consistency on a deterministic double-entry ledger. Delivery-versus-payment and payment-versus-payment execute as a single transaction — no bridging, no netting risk, no gray zone.
Clearing Rail
Real-time gross settlement (RTGS) and deferred net settlement (DNS) selectable per flow. Designed for sovereign deployments and cross-border corridors on a deterministic double-entry ledger.
Compliance Rail
AAOIFI + IFSB + jurisdictional rules evaluated inline, at message rate. Each decision emits an auditable evidence packet — the regulator's job becomes reviewing, not reconstructing.
| Capability | IOF National Rail | SWIFT Correspondent |
|---|---|---|
| Operating hours | 24 / 7 / 365 | Cut-off windows, batch cycles |
| Settlement latency | Sub-second domestic, 5s cross-border | T+1 to T+2 |
| Messaging standard | ISO 20022 native from day one | Migrating through 2025 |
| Shariah logic | Encoded in every message | Out of scope |
| Reconciliation | Continuous, auto-matched | End-of-day, manual break handling |
| Onboarding | <10 minutes, policy-driven | Days of bilateral agreements |
Every Framework. Encoded in the Platform.
Compliance at IOF is not a questionnaire. It is a runtime. Every rail evaluates every standard below inline, at message rate, and emits cryptographic evidence each auditor can verify independently.
Measured in Basis Points. Earned Every Day.
Tier-1 pricing for tier-1 infrastructure. The question is never whether IOF is cheap — it is how many basis points a bank recovers every month on settlement spread, compliance overhead, integration cycles, and incident cost. Every capability below converts directly into bps.
Every Islamic finance primitive — from Murabaha and Ijarah to Sukuk, Takaful, Waqf, and Zakat — exposed behind one canonical API.
Contract templates, permissibility flags, profit-sharing logic, and fatwa citations all live in the schema — not in a PDF addendum.
Pre-built rulebooks for every major Islamic finance corridor. Switch jurisdictions with a header, not a six-month legal review.
Attribute-based access control (ABAC) evaluated at the global edge — sub-millisecond authorization, close to every user and corridor.
Double-entry, deterministic, architected for million-TPS throughput. The same primitive used by central banks and clearing houses — shipped multi-tenant.
Fully managed on AWS + Cloudflare, or deployed into customer VPCs via Helm, Terraform, and Docker Compose. One codebase, zero forks.
TIPS + RT1 clearing, pacs.008 / pacs.002 reconciliation, IBAN + BIC validation, UETR / endToEndId tracking — built into the payments engine, not bolted on.
Settlement spread compression, compliance-evidence automation, integration cycle replaced by one API — every capability is priced against the bps it returns. Tier-1 pricing, tier-1 economics.
Failure inbox, auto-remediation, and fingerprinted incident learning — resident AI engineers watching CI, deploys, and runtime 24/7.
A $4.9 Trillion Opportunity
Islamic finance is growing at 10.6% CAGR — the fastest segment of global banking — with $6.7T projected by 2030. The infrastructure layer has never been built.
A Defensible Moat on 5 Dimensions
Each dimension reinforces the others. A competitor would need to win all five concurrently — not sequentially.
Regulatory Depth
13 regulatory regimes, 37 jurisdictions — pre-built, maintained, and versioned. Years of policy research crystallised into machine-readable rules that competitors would need to re-derive from scratch.
7+ years to replicateShariah Architecture
62 Shariah primitives and AAOIFI FAS 1–48 + IFSB standards encoded at the schema layer. Fatwa citations and board attestations ride every contract — not a PDF supplement.
AAOIFI + IFSB nativeNetwork Effects
Every new institution strengthens the compliance graph. Shared Shariah audit trails, reusable fatwa rulings, and cross-jurisdiction clearing pathways compound with each new participant.
Compounding moatSwitching Costs
Core banking integration depth — contract lifecycle, ledger state, compliance attestations, fatwa lineage. Switching away means rebuilding years of regulator-accepted transaction history.
High retentionData Advantage
First-mover in structured, cross-jurisdictional Islamic finance transaction data. The only dataset in the world that can power AI-driven compliance, risk, and pricing models for IFIs.
Proprietary datasetWhere IOF Stands
Incumbents retrofit Islamic finance onto conventional core banking. We started Shariah-native — and built the rest around it.
| Capability | IOF | Finastra | Temenos | Custom Build |
|---|---|---|---|---|
| Shariah-native architecture | ✓ Native | Partial | Partial | ✗ |
| API-first design | ✓ | ✓ | Partial | Varies |
| Multi-tenant SaaS | ✓ | ✗ | ✗ | ✗ |
| 24/7/365 rail messaging | ✓ ISO 20022 native | Batch / SWIFT MT | Batch / SWIFT MT | ✗ |
| Real-time ledger | ✓ Native | Partial | Partial | ✗ |
| Open Banking (OBP / PSD2) | ✓ | Partial | ✗ | ✗ |
| AAOIFI + IFSB compliance | Native | Add-on | Add-on | Manual |
| Time to production | 3 months | 18+ months | 24+ months | 24–36 months |
| Jurisdictional coverage | 37 pre-built | Per-market engagement | Per-market engagement | None |
| Evidence-backed audit trail | ✓ Per-call | Reports | Reports | Manual |
Model Your Operating Impact
Explore the operational deltas — time-to-market, jurisdictional reach, settlement throughput, compliance evidence volume.
Nine Revenue Streams. One Platform.
Hackathons build pipeline. Pilots validate. Annual licenses monetise. Metered usage scales. BYOC captures sovereign budgets. Every stream feeds the next.
Sponsored challenges with regulators, universities, and Islamic banks. Every team ships against the live sandbox — winners convert into pilot customers.
90-day production-grade pilots with tier-1 Islamic banks and challenger neobanks. Structured conversion path to multi-year licenses.
Per-tenant, per-jurisdiction, per-rail annual licenses. Multi-year enterprise agreements with SLA, dedicated Shariah board, and regulator liaison.
Per-transaction, per-API-call, per-settlement metering for embedded finance partners and high-volume payment rails.
Self-hosted into customer VPC via Helm, Terraform, and Docker. Annual platform fee + support contract + upgrade cadence.
Shariah audit certification, AAOIFI implementation training, IFSB compliance accreditation. Creates a marketplace of IOF-certified talent.
Aggregated, anonymised Shariah compliance and transaction datasets licensed to insurers, rating agencies, and regulators for benchmarking.
Revenue share with Big 4 consultancies, system integrators, core banking vendors, and sovereign Islamic finance authorities.
Custom rail development, bespoke fatwa-driven workflows, white-glove regulatory filings, and jurisdictional go-live acceleration.
Infrastructure for a
$4.9T Market
We are raising to accelerate go-to-market across GCC, Southeast Asia, and the UK. Open to strategic angels, sovereign / development funds, corporate VCs, and mission-aligned institutional capital.