How can we help?

The 10-step regulated journey takes 12-18 minutes on average. From step 3 onwards, you can save and resume any time via a 7-day magic link sent to your email.

Valid passport or National ID (CNI), residence permit / visa proving you live outside Cameroon, proof of address less than 3 months old, proof of income (3 payslips or business registration), bank reference letter or 3 months of statements, and your Cameroon NIU (tax ID).

Zari is a regulated diaspora-specific product. Country of residence must be outside Cameroon — verified during the basic info step. Cameroonian residents have access to a different domestic flow.

The NIU step shows a help guide with a direct link to the Cameroon DGI online procedure. Once you have it, return to Zari via the resume link and complete the step.

Three Shariah-compliant products: Wakala Savings (instant access, 4-6% expected p.a.), Mudaraba Term Deposit (6-60 months, 8-12% expected p.a.), and Treasury Placement / Tawarruq (30-365 days, 7-10% fixed margin).

Wakala uses average daily balance, distributed monthly. Mudaraba follows the spec formula: Profit_client = (Total_Realised_Margin × Weight) × Profit_Sharing_Ratio with pro-rata-days weighting. Tawarruq has a fixed pre-agreed margin (no profit calculation needed).

Open a Wakala Savings (Liquidity Hub) for free — no minimum. Mudaraba Term Deposits and Treasury Placements have product-specific minimums shown at subscription.

No. Per Shariah principles, return is tied to actual pool performance (Wakala / Mudaraba) or to a real commodity transaction (Tawarruq). The Expected Profit Rate is a target, not a guarantee. Capital is protected against negligence and mismanagement only.

Wakala Savings: yes, instantly — withdrawals from the Liquidity Hub take priority. Mudaraba Term Deposit: funds are locked until maturity. Treasury Placement: principal is reimbursed at maturity, margin can be paid upfront if elected.

An independent Shariah board reviews every product structure and audits every Mudaraba batch run. The platform stores Total_Pool_Capital and Total_Realized_Margin per batch so the board can verify distribution math without trusting the operations team.

AAOIFI standards. No riba (interest), no gharar (excessive uncertainty), no maysir (gambling). Every contract has a unique Shariah Contract Identifier (Mudaraba ID / Murabaha ID / Wakala ID) traceable on every transaction.

Yes. Each consent is timestamped and a PDF is generatable on request. Each subscription's Shariah contract carries its identifier. Mudaraba batch distributions include the Total_Realised_Margin and Profit_Sharing_Ratio used.

TLS in transit. Envelope encryption per profile field at rest (each PII column has its own encryption triple). Documents stored encrypted with SHA-256 integrity proof and EXIF metadata stripped for privacy.

Per Article 38 R-2023/01, documents are retained for 10 years after account closure. You consent to this explicitly during onboarding (consent type: document_retention_10_years).

No raw biometric data is retained. Only encrypted, non-reversible templates and similarity scores are kept — and only after explicit biometric consent during step 2.

Every status transition fires a notification via email AND SMS / WhatsApp. The full status flow is: DRAFT → ID_CAPTURED → BIO_VERIFIED → KYC_DOCS_UPLOADED → QUESTIONNAIRE_COMPLETED → SUBMITTED → PENDING_REVIEW → APPROVED → ACCOUNT_ACTIVE.

Automated AML, watchlist, and risk-scoring checks run first. Low/normal-risk files move to PENDING_REVIEW; higher-risk cases go to PENDING_ENHANCED_REVIEW. Typical compliance turnaround: 1-3 business days for standard, up to 10 business days for enhanced.