Three products · One Liquidity Hub

Ethical investments, by design.

Each product is a real Shariah contract — Wakala, Mudaraba, or Tawarruq — governed by an independent board, identifiable on every transaction, and enforceable by code.

Most flexible
savings

Wakala (Agency Mandate)

Wakala Savings Account

Expected profit p.a. (EPR)

4 – 6%

Liquidity

Instant

Tenor

Open-ended

Profit calc

Daily

Distribution

Monthly

Wakala fee

0.5% (default)

EPR cap

Optional

How it works

Instant-access savings, daily-calculated profit, fixed Wakala fee paid up-front. Funds invested in the Cash Management Pool — highly stable, monitored daily.

  1. 1ZARI acts as your agent (Wakil) under a Wakala (agency) contract.
  2. 2Funds invested in a Shariah-compliant pool, primarily Cash Management.
  3. 3Profit calculated on average daily balance, distributed monthly.
  4. 4If pool over-performs, ZARI keeps the excess as performance reward.
  5. 5If pool under-performs vs EPR, you receive actual profit only — no riba.

CBS Account

000033 7221 0067 6201

Liquidity Hub (Root)

Shariah Contract ID

WKL-YYYYMMDD-XXXXXX

Per subscription

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Most popular
lock_clock

Mudaraba (Profit-sharing partnership)

Term Deposit (Mudaraba DAT)

Expected profit p.a.

8 – 12%

Liquidity

At maturity

Tenor options

90 / 180 / 365 / 730 / 1095 days

Default ratio

0.60 to client

Range

0.50 – 0.80 to client

Distribution

End of period

EPR cap

Optional

How it works

Lock-in capital with a real Islamic partnership. Profit shared per a contract-specific ratio (0.55 / 0.60 / 0.70 to client). Pro-rata-days weighting if you start mid-period.

  1. 1You are Rab al-Maal (capital provider). ZARI is Mudarib (managing partner).
  2. 2Pre-agreed profit-sharing ratio defined at subscription — auditable on every distribution.
  3. 3Pool profit calculated quarterly: Profit_client = (Margin × Weight) × Ratio.
  4. 4Pro-rata-days weighting honours mid-period subscriptions fairly.
  5. 5ZARI assumes full liability for negligence, mismanagement, or fraud.

CBS Account

000033 6101 0006 7621

Investment Locked

Shariah Contract ID

MUD-YYYYMMDD-XXXXXX

Per subscription

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Most predictable
trending_up

Reverse Murabaha

Treasury Placement (Tawarruq)

Fixed margin

7 – 10%

Liquidity

At maturity

Tenor options

30 / 60 / 90 / 180 / 365 days

Margin range

7 – 10% (default 8%)

Asset

Real commodity

Upfront margin

Optional

Settlement

Deferred sale price

How it works

Asset-backed placement on real Shariah-compliant commodities. Margin is negotiated up-front and known from day one. Optional upfront-margin payment for immediate liquidity.

  1. 1You place capital. ZARI buys a real Shariah-compliant commodity from Broker 1.
  2. 2Commodity is sold to you on Murabaha basis: immediate delivery, deferred payment.
  3. 3ZARI sells the commodity to Broker 2 at spot, generating the agreed margin.
  4. 4ZARI pays you the deferred sale price (capital + margin) at the agreed date.
  5. 5Backed by physical commodity flows — no monetary interest, no Maysir.

CBS Account

000033 6101 0006 7621

Investment Locked

Shariah Contract ID

MUR-YYYYMMDD-XXXXXX

Per subscription

Subscribearrow_forwardFull details

Side-by-side

Pick the one that fits your goals.

Wakala SavingsMudaraba DATTawarruq
Shariah basisWakalaMudarabaTawarruq
LiquidityInstantLockedLocked
Profit typeVariable (EPR-capped)Variable (ratio-shared)Fixed margin
TenorOpen-ended90 – 1095 days30 – 365 days
Backed byCash poolInvestment poolReal commodity
Fee modelFixed Wakala feeProfit-sharing ratioPre-agreed margin

Mudaraba profit-sharing engine

Auditable maths. Spec-correct.

The Mudaraba DAT engine implements the spec formula exactly. Every batch run stores Total_Pool_Capital and Total_Realized_Margin so a Shariah auditor can verify the distribution without trusting us.

Sample Margin

0

XAF

Client Weight

0%

of pool

Final Profit

0

XAF

The formula

Step 1 — Weight

Weight = Client_Principal ÷ Total_Pool_Capital

Step 2 — Gross Margin

Mgross = Total_Realised_Margin × Weight

Step 3 — Client Profit

Profit_client = Mgross × Profit_Sharing_Ratio

Pro-rata-days weighting honours mid-period subscriptions per the Shariah board's guidance.

Start with the product that fits.

Open your Liquidity Hub for free. Add a Term Deposit or Treasury Placement when you're ready.

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