SAMA's Shariah Governance Framework requires independent Shariah boards, documented compliance processes, and structured evidence trails. ZeroH provides the GRC infrastructure to track multi-framework compliance across SAMA, CMA, and AAOIFI simultaneously — at $938B-market scale.
SAMA's governance frameworks and Vision 2030's Financial Sector Development Program set the compliance bar. ZeroH meets it.
SAMA requires independent Shariah boards, compliance departments, risk management, and internal audit functions for all banks in the Kingdom. ZeroH maps directly to these control structures with obligation tracking and evidence trails.
Islamic finance accounts for 85% of all banking activity in Saudi Arabia — the highest proportion globally where both conventional and Islamic banks operate. Compliance infrastructure must match this scale.
The Financial Sector Development Program enters its third phase targeting 525 fintechs generating SAR 13.3B in GDP contribution. Each new institution needs structured GRC from day one.
SAMA CSF defines required roles and processes for GRC operations across financial institutions. ZeroH integrates compliance monitoring with structured evidence trails that satisfy CSF audit requirements.
From AI-assisted Shariah research to full GRC automation — each product built for SAMA-regulated environments.
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.
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
Find out how ZeroH can provide automated multi-framework compliance for your institution in Saudi Arabia's regulatory environment.
Score your Shariah governance posture across 5 categories. Covers AAOIFI, IFSB, and SAMA frameworks. No signup required.
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