“When a person dies, their deeds end except for three: continuous charity, beneficial knowledge, and a righteous child who prays for them.”
- Sahih Muslim
The Digital Waqf Operating System.
Built for compliance with international Islamic finance standards
AAOIFIIslamic accounting standards body FAS 37
Waqf Reporting
W3C
Verifiable Credentials
Hedera Hashgraph
via Hashsphere
Patent Pending
Dual-Confirmation
Four Madhabsschools of Islamic jurisprudence
Juristic Coverage
62% of donors make only a single donation. The primary drivers are poor communication, lack of transparency, and no sense of ongoing impact.
Perpetual funding instability. Short-term donations get consumed immediately, forcing constant fundraising cycles instead of sustainable program delivery.
THE INNOVATION
Awqaf assets that generate perpetual income, funding activities forever.
Traditional waqf excludes middle-income donors. You need significant wealth to independently acquire high-value income-generating assets.
THE INNOVATION
Share-based ownership. Pledge $2,000/month over 10 years to own a share.
Historical mismanagement led to nationalization. Donors hesitate due to limited transparency, weak reporting, and poor communication.
THE INNOVATION
Verified obligations with audit trails. Transparency by design.
Problem
Poor communication leads to 62% single-donation rate
Platform Solution
Two-way messaging, milestone updates, impact reports
Problem
Middle-income donors excluded from traditional waqf
Platform Solution
Share-based ownership with flexible monthly pledges
Problem
Trust deficit from weak reporting and opacity
Platform Solution
Verified obligations, audit trails, Shariah certification
Donors pledge contributions to NGOs
NGOs use contributions to acquire waqf assets (income-generating property)
Waqf assets generate ROI which flows back to NGOs
NGOs use ROI to fund charitable activities and serve beneficiaries
Platform enables transparent communication between donors and NGOs
Key insight: Donors direct how their share of proceeds are used. They don't receive financial returns. A donor with 10% ownership directs how 10% of proceeds are allocated (e.g., 90% to education, 10% to healthcare).
A real waqf obligation, verified in real-time
Tier 1
Establish Governance Foundations
“Trust us”
Governance baseline: any institution starts here
Tier 2
Prove Compliance with Evidence
“Trust, but verify”
Where ZeroH delivers unique value
Tier 3
VisionAI-Enabled GRC & Protocol Governance
“Trust the protocol”
To be refined based on partner feedback and real-world needs
Every stakeholder sees what they need: donors track impact, NGOs prove compliance, and oversight ensures accountability.
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Waqfiyyah conditions, Mutawalli accountability, and Shariah compliance, from pledge to obligation proof, all in your pocket.
NGO managers track obligations, submit evidence, and maintain compliance. Every action recorded, every milestone verifiable.
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Oversight officers monitor the entire waqf portfolio. Real-time compliance status, audit trails, and intervention alerts.
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Every stakeholder sees the same truth, from their own perspective, with appropriate access controls.
Updates with disbursement evidence, vendor confirmations, and staff trust profiles
Verified proof, property journey, and community trust ratings for every person
Communication compliance, personnel risk scores, and community trust signals
Initial deployment: Turkey & Jordan
Established waqf tradition & NGO ecosystem
Strategic location & strong charitable sector
Hashsphere Infrastructure
Currently deployed in Qatar. Evaluating whether Turkey & Jordan operations can leverage existing Qatar infrastructure or require regional deployment for data residency and latency requirements.
Scalable to 57 OICOrganisation of Islamic Cooperation member states. Madhabschool of jurisprudence-aware. Jurisdiction-adaptive.
Three modes. One waqf operating system. Every obligation tracked.
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Establish your waqf with peace of mind. Waqfiyyah conditions recorded, Maqasid al-Shariah mapped, Sadaqah Jariyah flows as perpetual endowment.
Your trustee (Mutawalli) is accountable. Verified milestones, Maqasid coverage, and impact updates, all at a glance.
SSB boards certify. Obligation tracker with document hashes. Perpetual verification chain your grandchildren inherit.
Every vendor, every workflow, verified before go-live. Trust cannot be rushed.
Deep partnership. Hands-on vendor onboarding. Every workflow verified before go-live.
Apply learnings. Reuse templates. Compressed training with recorded materials.
Self-service begins. Growing vendor network. Some vendors already in platform.
Vendor network effect. Parallel onboarding. Playbooks, templates, repeatable.
Target: 3–4 NGOs in Year 1 across Turkey & Jordan
We propose meeting with the Tadamon team to explore the integration path that best serves the initiative. Four options, from tightest to lightest.
Full data exchange between platforms. Initiative details, analytics, donor engagement metrics, and compliance data flow bidirectionally through documented APIs.
All platform data exposed through a structured data protocol. Tadamon consumes what it needs without custom integration work. Lower engineering effort, full data availability.
A ready-made component that Tadamon can place directly on their platform. Displays initiative progress, donor engagement metrics, and verification status with no engineering effort.
A branded banner on Tadamon linking to the waqf platform. No technical integration required. Tadamon promotes the initiative; donors click through to engage directly.
A joint meeting with the Tadamon team to assess technical capabilities on both sides and identify the integration path that delivers the most value with the least friction. Any of these options can be implemented within the pilot timeline.
Two buyer paths. One platform. Transparent, phase-aligned pricing.
Donor App · NGO Dashboard · IsDB Portal
Paid across 3 milestone phases. NGOs access the platform at no cost.
IsDB Portal License
$48,000/yr. Continues as ongoing subscription from Year 2.
Full platform access at no cost. NGOs manage donors and run waqf projects.
Funded by IsDB platform build. Upgrade to Verify for immutable proof.
Immutable proof for every verified action — confirmed receipts, Verified Maqasid mappings, Shariah Board approvals, and more.
One credit = one verified action. Credits reset monthly.
No waqf governance, no verification
Credential infrastructure only, no domain layer
Enterprise GRC, no Islamic finance or waqf modules
Full-stack: governance + verification + domain expertise
Not a black box. A partnership with full visibility into every sprint, every decision, every line of code.
Your team defines priorities. We architect solutions. Product requirements are jointly authored, never handed down.
Live working software every two weeks. You see what we build, give feedback, and approve before we continue.
Enterprise-grade reliability with 24/7 monitoring, <15min incident response, and a dedicated status page for your team.
Weekly sync calls, structured agendas, and a shared roadmap. Your feedback drives what we build next.
View the full commercial proposal for detailed scope, timeline, and pricing breakdown.
Download Commercial Proposal (PDF)Waqf built Al-Azhar. Waqf funded the hospitals of Damascus. Waqf sustained communities across the Islamic world for fourteen centuries.
ZeroH provides that infrastructure: the Digital Waqf Operating System.
Governance, risk, and compliance built into every lifecycle step. Verifiable, perpetual, and built on the principles that made waqf the most enduring charitable institution in human history.
February 2026