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 Islamic savings based on Investment Wakala, with daily-calculated profit, a defined Wakala fee, and funds placed into a monitored Cash Management Pool.

  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.

Salient conditions

  • verifiedDeposit amount, tenor, EPR, and fee are agreed before commencement.
  • verifiedDaily monitoring supports target performance and early rate-adjustment notice.
  • verifiedZARI remains liable for negligence, mismanagement, or breach of mandate.

Process flow

Wakala savings process flow between IFSP, client, and Wakala pool

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 through a Mudaraba partnership: the client provides capital, ZARI provides investment expertise, and actual profit is shared by a pre-agreed ratio.

  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.

Salient conditions

  • verifiedDeposit amount, term, and profit-sharing ratio are set before commencement.
  • verifiedClient profit can be capped at an EPR, with excess retained by ZARI as incentive.
  • verified30-day notice supports reallocation if economic conditions affect the EPR.

Process flow

Mudaraba time deposit process flow between IFSP, client, pool, and profit calculation

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 treasury placement using Reverse Murabaha: real commodities are purchased and resold with a transparent margin known from day one.

  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.

Salient conditions

  • verifiedUnderlying assets are real, tangible, and Shariah-compliant.
  • verifiedMargin is negotiated transparently by capital volume and commitment duration.
  • verifiedAgreed profit can be paid upfront or during the contract life.

Process flow

Reverse Murabaha process flow between client, IFSP, Broker 1, and Broker 2

CBS Account

000033 6101 0006 7621

Investment Locked

Shariah Contract ID

MUR-YYYYMMDD-XXXXXX

Per subscription

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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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