Every Islamic banking product your customers rely on
Configure Murabaha, Ijara, Musharaka and Mudaraba contracts, and more, across deposits, everyday accounts and financing. Each is assembled from shared product feature blocks, and your product teams design and adapt them rather than your developers.
One core, both banking models. Run Islamic banking and conventional products side by side on a single core, each properly separated. Build and reshape Islamic banking products as quickly as any other.
Deposits that share, not pay interest
Offer safekeeping accounts that preserve capital, and profit-sharing deposits where customers earn an agreed share of returns rather than fixed interest. Configure profit-sharing ratios, distribution periods and agency-based structures, giving savers a return without interest.
Financing without interest
Build the financing structures your market expects: cost-plus sale with a disclosed, fixed profit margin paid in instalments; leasing with rent in place of interest and optional transfer of ownership; and partnership models that share profit and risk, including diminishing partnership for home finance. Each is assembled from configurable features and runs on its own ledger within the customer’s account.
Keep Islamic and conventional funds apart
Keep Islamic banking and conventional funds cleanly separated, whether you run a dedicated Islamic institution or an Islamic window alongside conventional products. Configure profit in place of interest, direct late-payment charges to a charity account rather than to income, and apply early-settlement rebates, all as configurable, auditable features.