Continuous Shariah compliance monitoring that flags product drift the moment it occurs, generates audit-ready evidence trails automatically, and ensures nothing slips between review cycles.
Islamic finance products evolve continuously. Annual or quarterly reviews leave months of exposure between checks.
12 months
between typical audit cycles
Products change between audits: commodity specs, margin adjustments, repayment restructuring. By the time the next review catches it, the institution has operated non-compliantly for months.
100s of hours
per audit cycle
Compiling benchmark rates, board-approved methodologies, adjustment dates, and sign-off records for each product is hours of manual work per audit cycle. A single product audit can take days.
621
scholars across GCC banks
SSB rulings, approval conditions, and parameter boundaries live in emails and individual notes. When a team member leaves, the context leaves with them — including the history an auditor needs to verify compliance.
ZeroH shifts audit teams from periodic snapshots to continuous coverage.
Continuous compliance monitoring with blockchain-verified trails
ZeroH monitors active products against their SSB-approved parameters continuously. When a product drifts, the system flags it immediately. Evidence trails are structured and blockchain-verified, ready for direct use in audit reports.
AI-powered standards research for audit scope definition
Ali helps audit teams define scope, research applicable AAOIFI standards, and verify compliance positions with clause-level citations. Every answer includes the original Arabic source text for verification.
ZeroH gives audit teams real-time coverage so formal audits confirm what is already known.
ZeroH runs real-time compliance checks across your active portfolio against each product's SSB-approved parameters. When a product parameter drifts — a commodity spec change, a margin adjustment, a restructured repayment — the system flags it immediately with the specific ruling reference.
Chronological evidence trails for any product: benchmark rates, board-approved methodologies, adjustment dates, sign-off records, ruling references. Blockchain-verified and structured for direct use in audit reports. No more manual compilation.
Ask Ali helps audit teams identify the applicable AAOIFI standards, map them to audit scope, and verify compliance positions before fieldwork begins. Every research output includes clause references and source attribution.
See how ZeroH serves different roles in your organisation.
ZeroH runs inside the Qatar Financial Centre Digital Asset Lab in live deployment with Al Rayan Bank — the first private
ZeroH automates compliance tracking, surfaces regulatory changes before they become gaps, and generates audit-ready evid
ZeroH maintains a living record of every fatwa, approval condition, and parameter boundary. Your board focuses on schola
Self-service deployment in weeks, not months. No consultants required. Blockchain-verified proof that satisfies regulato
ZeroH maps Shariah non-compliance risk alongside your operational, regulatory, and reputational risk frameworks. One pla
See how ZeroH operates in key Islamic finance markets.
SAMA's Shariah Governance Framework requires independent Shariah boards, documented compliance processes, and structured
CBUAE, ADGM, and DIFC each operate distinct regulatory frameworks for Islamic finance and digital assets. ZeroH maintain
ZeroH is deployed at Al Rayan Bank through the Qatar Financial Centre — Qatar's international financial hub. QCB's AI Gu
The Central Bank of Bahrain's Rulebook Volume 2 sets some of the most detailed Shariah governance requirements globally.
Kuwait's Islamic banking sector manages over $140B in assets under CBK Shariah governance instructions and AAOIFI standa
BNM's Shariah Governance Policy Document, the Securities Commission's Capital Markets Plan 2026-2030, and PDPA create ov
OJK Shariah governance regulations, DSN-MUI fatwa requirements, and Bank Indonesia oversight create layered compliance o
With $47B in Islamic banking assets, 10 full-fledged Islamic banks, and over 50 Islamic banking windows, Bangladesh carr
With $50B+ in Islamic banking assets, five full-fledged Islamic banks, and an SBP-mandated Shariah governance framework,
With $100B+ in Islamic finance assets, five dedicated Islamic banks including Al Rayan Bank, and an FCA regulatory frame
Continuous Shariah compliance monitoring across your active portfolio. Schedule a demo to see how ZeroH closes the gap between SSB approvals and audit-ready evidence.
Score your audit readiness across governance, product compliance, and regulatory frameworks.
Try the Free Checklist