ZeroH: Where ethical design creates commercial advantage
Digitize Islamic auto finance with ZeroH – fatwa-approved, award-winning technology that delivers faster approvals, higher returns, and reduced risk compared to conventional financing.
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The Embedded Islamic Auto Finance Advantage
ZeroH is a revolutionary embedded finance platform that transforms Islamic auto finance from a regulatory hurdle into a commercial advantage.
Our award-winning technology enables Shariah-compliant financing that outperforms conventional lending across the entire automotive lifecycle – from dealership checkout to fleet management and trade finance.
Award-Winning Innovation
International Grand Prize winner at Finopitch 2025, recognized globally for excellence in Islamic fintech.
Fatwa-Approved Compliance
Full certification from Amanie Advisors' Shariah Supervisory Board, ensuring the highest standards of Islamic finance principles.
Asset-Based Security
Transparent ownership throughout financing reduces legal disputes and aligns risk among all parties.
Lower Operational Costs
Digital compliance automation significantly reduces overhead, enabling competitive or superior rates compared to interest-based lending.
Transparent Pricing
No compound interest or hidden fees; customers know exact costs upfront, driving higher satisfaction and lower delinquency rates.
Key Benefits for ZeroH Customers

For Islamic Banks and Financier

Expand Your Market Reach: Tap into a wider customer base seeking digital and Shariah-compliant auto financing options without incurring higher costs. Increase Efficiency: Automate loan origination, credit scoring, and contract generation, reducing processing times from days to minutes. Diversify Your Product Portfolio: Easily offer Islamic financing structures through a single platform with reduced compliance overhead. Enhance Compliance: Benefit from automated Shariah checks that maintain religious authenticity while improving profitability.

For Car Dealerships & Auto Marketplaces

Boost Sales Conversion: Offer instant Islamic financing at the point of sale, increasing conversion rates by 25%-30%. Access a Network of Financiers: Connect with multiple Islamic banks and financial institutions through a single platform, maximizing approval rates. Streamline Operations: Eliminate paperwork and manual processes with digital applications, e-signatures, and automated workflows. Offer a Competitive Advantage: Attract faith-conscious buyers with financing that's not just compliant, but commercially superior.

For Auto Manufacturers (OEMs)

Increase Sales Volume: Integrate white-labeled Islamic financing options directly into your sales channels (website, app), making purchasing easier for customers. Enhance Brand Loyalty: Provide a seamless, branded financing experience that keeps customers within your ecosystem. Offer Innovative Financing Products: Support Shariah-compliant leasing, subscription models, and promotional financing offers. Expand into Islamic Markets: Easily offer compliant financing solutions across the GCC and SEA regions without building complex in-house systems.

For Fleet Leasing & Rental Companies

Optimize Capital Expenditure: Utilize Shariah-compliant co-ownership (Diminishing Musharakah) models to acquire fleet vehicles with lower upfront costs. Simplify Fleet Management: Manage financing for large fleets through a centralized digital dashboard with automated payment tracking. Access Competitive Financing Rates: Potentially benefit from a marketplace of Islamic financiers offering attractive terms. Offer Shariah-Compliant Services: Attract corporate and individual clients who prefer dealing with Islamic-compliant providers.

Validated by Industry and Shariah Experts
International Grand Prize Winner
ZeroH was recognized with the top honor at Finopitch 2025 in Tokyo, demonstrating its innovation and market potential in the global fintech landscape.
Full Fatwa Approval
Our platform has received comprehensive certification from the Amanie Shariah Supervisory Board, featuring Chairman Dr. Mohamed Ali Elgari, Dr. Mohd Daud Bakar, Dr. Muhammad Amin Ali Al-Qattan, and Dr. Osama Al-Dereai, ensuring the highest standards of Shariah compliance.
How ZeroH Works: Seamless Integration for Commercial Advantage
ZeroH seamlessly integrates into your existing workflows via APIs and white-label solutions.
Our platform provides intuitive interfaces for customers at the point of interaction (dealership, website) and robust back-end dashboards for your teams (banks, dealers, fleet managers).
Powered by cutting-edge technology, including blockchain for secure and transparent record-keeping, and an AI-powered compliance helper that adapts to different legal & religious frameworks.
Utilizing Decentralized Identity (DID) and Verifiable Credentials (VCs) for enhanced security and streamlined processes.
Smart contract automation for efficient and compliant transaction management.
Integrate ZeroH today
FAQ
What makes ZeroH different from traditional auto financing?
ZeroH delivers commercial advantages through ethical design. Our platform uses real asset ownership, transparent pricing, and equitable risk-sharing to create better outcomes than interest-based alternatives—offering faster approvals, higher conversion rates, and lower default risk.
How quickly can we integrate ZeroH into our systems?
Our API-first approach allows for quick integration, typically within weeks rather than months, with dedicated support throughout the process.
Is ZeroH fully Shariah-compliant?
Yes, our platform has received full fatwa approval from Amanie Advisors' Shariah Supervisory Board, ensuring the highest standards of Islamic finance principles while delivering superior commercial performance.
Zero interest. Infinite potential.
About
© 2025 Blade Labs. 'ZeroH' is a product of Blade Labs.
Contact
Email: hello@zeroh.io