ZeroH runs inside the Qatar Financial Centre Digital Asset Lab in live deployment with Al Rayan Bank — the first private permissioned blockchain for Shariah compliance audit trails inside Qatari jurisdiction. QDB portfolio company. UK patent pending (GB2604344.8). SOC 2 + ISO 27001. For a new Islamic digital bank, this is the single reference that answers every regulator question before you ask it.
The regulatory bar is higher than conventional digital banks. The Shariah governance bar is higher than conventional Islamic banks. And the data sovereignty bar is higher than both. Most vendors solve one of those three — not all of them.
Day 1
of license application
Regulators want to see a real Shariah Supervisory Board workflow, fatwa management, and opinion documentation before they grant a license — not after. Most core banking platforms treat Shariah as an afterthought module.
40+
product reviews in year one
A new bank will run the product approval workflow dozens of times in its first year. Each product needs gap analysis against AAOIFI, IFSB, and jurisdiction-specific standards, with evidence trails an auditor can follow.
0
compromises on data sovereignty
You want to deploy AI against your real contract and customer data. QCB, SAMA, CBUAE, and PDPPL say your PII cannot leave your sovereign jurisdiction. Most cloud AI tools force you to choose one or the other.
4-7
vendors most projects stack together
A Big 4 consulting team typically stitches together 4-7 vendors to cover Shariah governance, compliance, AI, and privacy. Each handoff is a risk. Each contract is a negotiation. Each integration is a delay.
ZeroH is the Shariah governance, AI co-pilot, and data privacy layer that sits on top of whichever core banking platform your client picks — Temenos, Oracle FLEXCUBE, Finastra, Ethix, or any other. Our live deployment with Al Rayan Bank already runs on Finastra core, so if your client ends up there, we know the integration pattern. Four surfaces. One vendor for the Shariah-specific layer. Integration-friendly with every core and enterprise GRC stack your Big 4 team is already considering.
AI-native GRC for your Shariah Supervisory Board workflow
The core GRC platform. Shariah governance workflow, fatwa management, opinion documentation, audit trails on every compliance decision — all designed to slot into the Shariah governance framework your Big 4 consulting partner is helping you establish during license application.
Shariah AI co-pilot for your compliance team
A Shariah AI co-pilot designed around the four pillars of daily Shariah governance work: research, advisory, risk, audit. Pre-screens contracts before they reach the SSB, handles multi-jurisdiction and multi-madhab analysis, and cites every source. Ask Ali is an assistant — it never makes Shariah rulings. Your SSB retains authority on every decision, which is exactly what the QCB AI Guideline (September 2024) requires.
Use AI safely on real customer and contract data
Selective disclosure engine that lets your bank run AI against real data without data ever leaving your sovereign jurisdiction. PII stays in-country. Only redacted documents reach the cloud. Field-level access is fully role-configurable. UK patent pending (GB2604344.8).
Compliance proof for your regulators, auditors, and customers
A regulator-ready compliance credential system for your bank. Share SOC 2, ISO 27001, AAOIFI alignment, and Shariah governance posture to auditors and regulators with one click. Use BBS+ cryptographic signatures to share only what each stakeholder needs — powered by Blade Labs' UK patent.
This is not a vendor pitch built on a slide. ZeroH is already deployed with Al Rayan Bank inside the Qatar Financial Centre Digital Asset Lab. We are QFC-registered, a Qatar Development Bank portfolio company, and were built around the QCB AI Guideline from the ground up. For a new Islamic digital bank in Qatar, we are the single vendor whose proof stack already sits inside the regulator, the sandbox, and a major Qatari Islamic bank.
Announced in September 2025, ZeroH powers Qatar's first private permissioned blockchain for Shariah compliance audit trails — deployed with Al Rayan Bank inside the Qatar Financial Centre Digital Asset Lab. Al Rayan runs Finastra as its core banking platform, so when we talk about being live with Al Rayan, we are already running on top of Finastra core. This is a regulator-visible, named, operational reference in the exact market you are standing up a bank in. When your regulator asks whether anyone is running Shariah-compliant AI governance on Qatari soil today, the answer is yes, and it is ours.
Vision Bank, Saudi Arabia's Shariah-compliant digital bank, went operational on Finastra's cloud-native Islamic banking stack with Kondor for treasury. This is the single closest publicly documented precedent for what your client is building. The blueprint exists. The missing piece in the Vision Bank stack — the piece the QCB AI Guideline makes mandatory for any new Qatari Islamic digital bank — is field-level selective disclosure for AI on real customer data. That is exactly what ZeroH Disclosure adds, backed by UK patent GB2604344.8.
ZeroH lets your Big 4 consulting partner demonstrate a working Shariah Supervisory Board workflow, fatwa management, opinion documentation, and audit trails during the license review — not after license grant. Your regulator sees live evidence, not paper promises. Every SSB decision is written to the same blockchain architecture already running inside Al Rayan Bank.
Every product your new bank launches — Murabaha, Mudarabah, Ijarah, Wakalah, Tawarruq, Sukuk — flows through a structured approval workflow. Gap analysis against AAOIFI, IFSB, and the QCB Digital Banks Regulatory Framework (December 2024) happens automatically. Ask Ali pre-screens contracts before they reach the SSB. The full audit trail is ready for your auditor from launch day.
On go-live day, your teams can run Ask Ali and ZeroH Platform against real customer and contract data. PII stays inside Qatari jurisdiction. Only redacted documents reach the cloud. The UK-patent-backed selective disclosure engine (GB2604344.8) is how you satisfy the QCB AI Guideline (September 2024), PDPPL, and every data residency line a Qatar regulator will draw — while actually using AI. This is the piece no other vendor has.
Your first QCB audit, your first external auditor engagement, your first rating agency conversation — the Trust Center shares cryptographically-verifiable proof of your compliance posture in minutes, not weeks. Using BBS+ selective disclosure, you share exactly what each stakeholder needs and nothing more.
See how ZeroH serves different roles in your organisation.
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
Continuous Shariah compliance monitoring that flags product drift the moment it occurs, generates audit-ready evidence t
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
Book a 30-minute qualification call. Our CEO Sami Mian joins for the architecture and regulatory questions that come up at formation stage. After the call you get a tailored written orientation document for the specific stage your project is at — and we will scope a 90-day AAOIFI contract-review POC you can run with your client before any full commitment.
Start with a scoped, de-risked pilot: 90 days, one sample contract set (Murabaha, Ijarah, or Wakalah), live AAOIFI gap analysis with Ask Ali, Shariah Supervisory Board workflow demo, and a regulator-ready evidence pack. Fixed scope, fixed price, no full-commitment decision until you see it working.
Scope a 90-day POC