Annual audits catch issues 12 months too late.Ask Ali is the only fully compliant Shariah AI co-pilot — powered by ZeroH Disclosure.

Ali runs real-time compliance checks against approved SSB rulings and AAOIFI standards across your active product portfolio. When a product parameter drifts from its approved structure (whether a commodity specification change, margin adjustment, or restructured repayment schedule), Ali flags it immediately with a reference to the specific ruling and the nature of the deviation. This gives auditors continuous coverage between formal review cycles rather than relying solely on periodic point-in-time audits.

Yes. Ali compiles chronological evidence trails for any product or portfolio, including benchmark rates, board-approved methodologies, adjustment dates, sign-off records, and ruling references. Outputs are structured for direct use in audit reports and can be exported in standard formats. Every evidence trail is sourced: each entry traces back to the specific SSB ruling, AAOIFI standard, or institutional decision that governs it.

Ali maintains institutional memory of all SSB rulings, including approval conditions, parameter boundaries, and effective dates. When reviewing active products, Ali maps each product back to its governing ruling and identifies any divergence from the approved structure.

No. Ali complements formal audits by providing continuous monitoring between review cycles. Rather than replacing periodic audits, Ali ensures that when formal audits occur, findings are fewer and less critical, because material issues have already been flagged and remediated in real time.

Ali covers AAOIFI Financial Accounting Standards (FAS), Shariah Standards (SS), and Governance Standards, plus IFSB guidelines and jurisdiction-specific regulatory requirements. For auditors, Ali maps each product to its governing standards and ruling references, enabling automated compliance verification across the full portfolio.

Reports and evidence trails can be exported in structured formats (PDF, structured data) for import into your audit management system. API access is available for enterprise deployments, enabling direct integration with existing audit workflow tools.

Ali supports all three. The governance frameworks overlap (AAOIFI and IFSB apply across banking, pension funds, and takaful) but the audit workflows differ. For pension funds, Ali handles investment portfolio screening, sukuk holdings compliance, and income purification methodology review. For takaful, Ali handles fund segregation, underwriting compliance, and investment of policyholder funds. Auditors can configure Ali per institution type so the relevant workflows and standards are surfaced by default.

Ali treats AAOIFI as the primary standards corpus alongside IFSB and jurisdiction-level regulators (QCB, BNM, SAMA, CBB, CBUAE). Every response cites the specific AAOIFI clause with the published version. The governance posture is human-in-the-loop by design: Ali does not issue rulings; it surfaces sourced evidence for the internal auditor and the Shariah board to verify. A Shariah consultant reviews Ali responses for inaccuracy on an ongoing basis, and the ZeroH platform (the infrastructure Ali runs on) holds an Amanie Advisors fatwa.

ChatGPT is trained on generic web content, so it interpolates answers it does not have sources for. That is why scholars have observed it fabricate hadith and misstate AAOIFI clauses. Ali is architecturally constrained to its sourced corpus: AAOIFI, IFSB, jurisdiction-level regulators, Majma al-Fiqh resolutions, and licensed subscription feeds (IIFM, MSCI, Dow Jones Islamic). If Ali does not have a sourced answer, it says so rather than inventing one. Every response is clause-cited so auditors can verify against the original standard. That is the difference between a generic LLM and an audit-grade tool.