Fatwa-Approved Platform

Shariah Governance, Fatwa-Approved, AAOIFI Ready
for the AI Era

Empower scholars. Accelerate approvals. Prove compliance.

Bank
Shariah Board
Compliance
Auditors
Regulators
Finopitch Tokyo 2025 & Islamic Fintech Awards Winner

Benchmark your compliance posture against AAOIFI, IFSB, and regional requirements.

ZeroH Shariah Supervisory Board dashboard with compliance workflows and obligation tracking

The Cost of Getting It Wrong

Compliance failures delay product launches and increase costs. Here's what keeps product teams up at night.

Product Rejection

Products sent back by Shariah board: 6 months of rework and missed revenue targets.

Months of delay

Expensive Rework

Structural issues discovered after you have already built. Rebuilding, not tweaking.

Significantly highercost to fix late

Advisor Bottleneck

Waiting weeks for advisor availability on critical questions. Launches stall.

Weeks of wait time

Inconsistent Guidance

Different advisors give different opinions. No institutional memory across products.

No structuredaudit trail
How It Works

Three Steps to Shariah Compliance

1

Map Your Framework

AAOIFI and IFSB standards are pre-built. Import your internal policies or regional requirements.

2

Operate with Cryptographic Proof

Every approval, review, and decision creates a blockchain attestation. No more "he said, she said."

3

Audit with Confidence

Regulators verify compliance without your involvement. Evidence speaks for itself.

Built for Every Stakeholder

Shariah Board

Real-time visibility into compliance status with cryptographic proof of every decision

  • Instant fatwa verification
  • Audit trail transparency
  • Reduced review cycles

Compliance Officer

AAOIFI compliance automation with pre-built workflows for all FAS standards

  • Faster compliance checks
  • Auto-generated reports
  • Minimal manual mapping

Audit Lead

Immutable evidence chain reduces sample scope by 80% while increasing audit confidence

  • Blockchain-verified evidence
  • Reduced audit time
  • Reduced regulatory findings

Regulator

Real-time compliance visibility across all supervised entities with verifiable proofs

  • Live compliance dashboards
  • Cross-entity oversight
  • Automated reporting

Comprehensive Framework Support

AAOIFI Standards

  • FAS 1-27 (All Standards)
  • FAS 28 Murabaha
  • FAS 29 Musharakah
  • FAS 30 Ijarah
  • Shariah Standards 1-62

IFSB Guidelines

  • IFSB-6 Shariah Governance
  • IFSB-10 Liquidity Risk
  • IFSB-15 Revised Capital Adequacy
  • IFSB-16 Pillar Disclosures

Regional Regulators

QCB (Qatar)
BNM (Malaysia)
DFSA (Dubai)
CBK (Kuwait)
SAMA (Saudi Arabia)

Supported Products

Murabaha (Cost-Plus)
Musharakah (Partnership)
Ijarah (Leasing)
Sukuk (Islamic Bonds)
Takaful (Insurance)
Wakalah (Agency)

Credentials & Recognition

Finopitch 2025 Grand Prize

International Category Winner

March 2025

Amanie Fatwa Approval

Shariah Supervisory Board

April 2025

Global Islamic Fintech Awards

RegTech Innovation

2025

QFC Digital Asset Lab

Production Deployment

September 2025

How We Compare

ZeroHArcher EvolvMetricStream AiSPIRE
AI ArchitectureNativeBolt-on (Evolv)Bolt-on (AiSPIRE)
AAOIFI TemplatesPre-builtCustom buildCustom build
Blockchain Verification
Fatwa ApprovalAmanie (2025)
Implementation TimeWeeks3-6 Months3-6 Months
Shariah Board PortalLimitedLimited

Based on publicly available product documentation.

Islamic Finance Compliance FAQ

Stop Products from Getting Rejected

Catch compliance issues before they cost you 6 months of rework. AI streamlines compliance. Scholars retain full approval authority.