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The No-Interest Embedded Islamic Finance Solution
Award-winning Shariah-compliant financing—transform your business with our Finopitch-recognized platform offering cost-plus, BNPL, or co-ownership solutions, 100% interest-free.
Reinventing Finance with ZeroH
ZeroH leverages the power of 'Zero': zero interest, zero speculation, zero exploitation—delivering proven results for forward-thinking businesses. Leveraging AI oversight and optional tokenization, we give your customers a frictionless, no-interest path—fully aligned with Shariah principles.
Zero interest
We believe in upfront transparency and eliminating the hidden costs.

Our award-winning solution stands out with refreshing transparency—what you see is exactly what you get, no hidden fees or costs.
Seamless checkout
We're revolutionizing the way you think about financing.

With just one simple button, you can access a world of possibilities - from cost-plus arrangements to innovative co-ownership models.
AI-Driven Compliance
Our experts ensure seamless, transparent fiqh-based checks at every step, upholding the integrity of our no-interest financing model.
Our No-Interest Methods
Internationally Recognized Shariah-Compliant Structures
Diminishing Musharakah
Shared ownership for large assets—customers gradually acquire your stake.
Cost-Plus (Murabaha) / BNPL
Fixed markup, zero speculation. Ideal for shorter-term pay-later options.
Commodity-Backed Financing
Transparent, real-economic backing for each transaction. Perfect for advanced Shariah compliance.
One Button, Infinite Possibilities
1
Customer Selects ZeroH
They pick cost-plus, BNPL, or co-ownership at checkout.
2
AI & Pre-Approved Templates
Compliance logic auto-generates regionally valid Shariah contracts.
3
Contract Finalization
System optionally records it in a ledger or remains off-chain.
4
Transparent Repayment
All fees are fixed, no compounding interest—embedding fairness from the start.
AI Oversight & Tokenization
Our award-winning platform ensures real-time Shariah compliance through advanced AI validated by leading scholars, dynamically referencing local fiqh across multiple jurisdictions. If desired, each transaction can be tokenized—representing fractional asset ownership on an enterprise-friendly ledger.
AI-Driven
No manual overhead, up-to-date fiqh logic
Shariah Advisory
Backed by recognized scholars
Fractional Ownership
Optional on-chain receipts for bigger assets
Who Benefits with ZeroH?
FFrom BFSI to automotive and e-commerce—our award-winning platform unlocks zero-interest finance that has demonstrably increased customer acquisition by 22% for our partners.

1

1
BFSI & Fintech
Offer riba-free BNPL or co-ownership, powered by AI compliance

2

2
Automotive
Co-ownership for vehicle financing, reaching no-interest seekers.

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E-commerce
Stand out with a Shariah-approved pay-later or cost-plus model at checkout.
Beyond the Button
(Coming Soon)
Podcasts
Short episodes diving into no-interest finance, Shariah compliance, and how ZeroH changes everything.
Videos
Walkthroughs showing real BFSI or auto experiences with ZeroH at checkout.
Reports & Blogs
Deeper insights on AI compliance, zero-interest frameworks, and bridging fiqh with modern tech.
Follow our LinkedIn for regular updates
FAQ & Glossary
Know the basics of no-interest finance.
FAQ
  • How does ZeroH handle interest?
We eliminate it entirely through cost-plus or co-ownership structures, following Shariah rules.
  • Is everything on a blockchain?
Not necessarily. Tokenization is optional. We support off-chain logic if you prefer.
  • Which Shariah advisory do you use?
We rely on the recognized scholars at Amanie Advisors, ensuring robust compliance.
  • Is ZeroH only for large enterprises?
All sizes can embed no-interest finance. Any brand wanting fairness can start with us.
  • Has ZeroH received any industry recognition?
Yes, ZeroH was recently recognized at Finopitch Tokyo for its innovative approach to Islamic finance, highlighting our technical excellence and Shariah compliance standards.
Glossary
  • Fiqh: Islamic jurisprudence shaping financial rulings and permissible structures.
  • Shariah: Ethical/legal framework in Islam, guiding commerce and finance among other areas.
  • BNPL (Buy Now Pay Later): A short-term financing model that, in Zeroh's case, remains interest-free and Shariah-compliant.
  • Musharakah: Co-ownership arrangement where profit/loss is shared until one partner eventually acquires full ownership.
  • BFSI: Banking, Financial Services, and Insurance—a key sector adopting no-interest solutions.
  • Murabaha (Cost-Plus): A Shariah-compliant contract where the seller discloses cost and profit margin.
  • Tokenization: Converting asset ownership rights into digital tokens on a ledger for easier transfer or fractionalization.
  • Riba-Free: Islamically permissible finance structure that excludes interest or exploitative fees.
About ZeroH
Recently honored at Finopitch Tokyo, ZeroH represents the power of 'Zero'-zero interest, zero speculation, zero inequity- with proven implementation across Qatar and growing international markets. Our AI compliance engine and Shariah-approved contracts bring an ethical lens to BFSI, auto, and e-commerce with truly no-interest solutions. Rooted in fairness and innovation, we aim to reshape global finance to reflect universal values of transparency and trust. As a Blade Labs technology solution, we combine cutting-edge fintech expertise with a deep commitment to Islamic finance - unleashing infinite possibilities for you and your customers.
Learn more about Blade Labs.
Zero interest. Infinite potential.
About
© 2025 Blade Labs. 'ZeroH' is a product of Blade Labs.
Contact
Email: hello@zeroh.io