Commodity-backed structure
ZARI arranges purchase and sale of eligible commodities. The process creates a receivable with a clear sale price instead of an interest-bearing loan.
Murabaha Fund
Asset-backed returns through Reverse Murabaha.
The Murabaha Fund uses asset-backed treasury placement. The margin is known before you subscribe, supported by commodity purchase and resale steps rather than monetary interest.
Known margin
Contract
Tawarruq
Tenors
30-365 days
Margin
7-10%
Settlement
Deferred
Product structure
Built as a real contract, not a marketing wrapper.
Margin known up front
The investor sees the capital, margin, tenor, settlement date, and contract references before agreeing to the placement.
Broker separation
Where required, transactions use separate counterparties to preserve the integrity of the purchase and resale sequence.
Treasury use case
This product is suited to investors who want short-to-medium tenor placement with more predictable cash-flow timing than profit-sharing products.
inventory_2
Real underlying assets
Eligible assets must be tangible, identifiable, and reviewed against Shariah restrictions.
fact_check
Documented steps
Purchase, resale, margin, and settlement references are preserved for operational and Shariah audit.
event_available
Predictable maturity
The deferred settlement amount and date are agreed before the investor commits funds.
Investor terms
What you see before you subscribe.
Who it suits
Investors seeking a known margin and defined maturity while avoiding conventional interest-bearing treasury products.
Important risk
Commodity execution, counterparty settlement, and operational timing can affect availability of proceeds.
Ready to move from intention to action?
Create your ZARI profile, complete KYC, and review every contract before a single XAF is committed.
Open an accountarrow_forward