BNM's Shariah Governance Policy Document, the Securities Commission's Capital Markets Plan 2026-2030, and PDPA create overlapping compliance obligations for Malaysian Islamic finance institutions. ZeroH maintains a unified view across BNM, SC, and AAOIFI frameworks — with structured evidence trails for each regulator.
BNM, SC, and AAOIFI together create a compliance framework that no manual process can sustain at scale. ZeroH automates it.
Bank Negara Malaysia's Shariah Governance Policy Document requires licensed institutions to establish Shariah Committee functions, Shariah risk management, Shariah research, Shariah review, and Shariah audit — five separate functions with documented evidence requirements for each.
The Securities Commission's CMP 2026-2030 targets Islamic capital market growth as a strategic pillar. Sukuk issuers, Islamic fund managers, and digital asset platforms operating under SC licensing face structured Shariah compliance documentation requirements throughout the plan period.
Malaysia's Personal Data Protection Act creates data handling obligations for AI-powered compliance tools. ZeroH Disclosure classifies and masks sensitive data before processing, supporting PDPA compliance while enabling AI-assisted Shariah research.
Malaysia hosts the International Shari'ah Research Academy (ISRA) and the Institute of Islamic Banking and Finance at IIUM. The academic infrastructure makes Malaysia the primary jurisdiction where institutions expect rigorous, source-attributed Shariah compliance evidence.
BNM, SC, and AAOIFI compliance in a single platform — with AI Shariah research and PDPA-compliant document privacy.
Full GRC automation with AI + blockchain
AI Shariah research for scholars and compliance teams
Document privacy before AI processing
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
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
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
The world's most mature Islamic finance regulatory framework deserves purpose-built GRC infrastructure. Get in touch.
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