You spend 70% of your time finding information.Ask Ali is the only fully compliant Shariah AI co-pilot — powered by ZeroH Disclosure.

Ali handles standards cross-referencing, source compilation, and evidence gathering. You focus on what only a scholar can do: judgment, interpretation, and ruling.

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AAOIFI & FAS-trainedData resident in QatarSensitive data masked on-device
0/7 protectedProtected by ZeroH Disclosure
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WHAT THE AI SEES7 MASKED

Islamic digital banks do not need another AI chatbot. They need a system that turns legal and Shariah requirements into day-to-day operating controls, lets teams use AI responsibly, and gives management, Shariah boards, auditors, and regulators something they can verify. Our technology starts before the cloud. Data does not leave the institution’s control unless the relevant disclosure policy has been applied first, so that institutions can actually use the cloud.

Sami Mian

Chief Executive Officer, Blade Labs

Islamic banks want to use AI.The rules say no, unless you are compliant, and can prove it.

Data sovereignty laws, privacy regulations, and Shariah governance all demand the same thing: evidence the policy was applied. Most AI deployments enforce this inside the cloud, after the data has already left.

Sensitive data leaves before policy is applied

Generic AI sends raw text to the model first, then tries to manage it after. By then the data has already crossed the institutional boundary.

0%
control once data is in transit

Generic models hallucinate citations

A confident but wrong AAOIFI reference is worse than no answer. Compliance teams cannot ship structures based on fabricated standards.

93.75%
semantic drift in generic AI on Shariah questions

Scholar capacity does not scale

The top 20 Shariah scholars hold 621 board seats. Reviews queue up, products slip, and rework after late-stage rejection costs more than early screening.

621
seats held by the top 20 scholars

Audit evidence assembled at the last minute

When a regulator examines you, the question is always the same: prove your policy was applied. Reconstructing that record after the fact is what most platforms force you to do.

3-6 mo
typical product-to-approval cycle

Inside ZeroH Disclosure

Your data stays under your policy.The model only sees what you allow.

ZeroH Disclosure applies your institution’s policy at the prompt boundary. By the time anything reaches an external AI service, sensitive fields have already been redacted and the disclosure has been audit-trailed inside your sovereign region.

You

Your device

Browser · macOS

  • PII detection
  • Masking

Original prompt never leaves your device

QA

Qatar

Sovereign region

  • Audit trail
  • Permissioned DLT · encrypted storage

Stamps a hash, in region

US

Anthropic (US)

Claude

  • Masked prompt only
  • Returns answer

Sees only redacted tokens

Masked prompt: original never leaves your device
Logged: stamped to your in-region audit trail

Built for how Shariah governance actually works.

Every answer cites the standard. Every analysis covers the four schools. Every decision maps to the higher objectives. Every disclosure produces a record.

Source attribution

Every answer cites its source.

Ali names the AAOIFI standard, clause, and version, plus IFSB and BNM equivalents where relevant. If the source is not in the corpus, Ali says so. No fabricated references.

Ask Ali response showing AAOIFI source citations and cross-madhahib references

Multi-madhahib analysis

Four schools of thought, side by side.

Hanafi, Shafiʻi, Maliki, and Hanbali positions presented together with the scholarly source for each. Your Shariah board selects the applicable view. Ali documents the reasoning.

Ask Ali multi-madhahib analysis comparing four schools of jurisprudence on Murabaha

Maqasid al-Shariah

Compliance mapped to purpose.

Every analysis maps findings to the five higher objectives: Faith, Life, Intellect, Lineage, and Wealth. Connects technical compliance to the question regulators are asking.

Ask Ali Maqasid al-Shariah impact scoring across the five objectives
Ask Ali Darura necessity assessment with scholarly precedent

Ali in action

Murabaha contract review.

A real example. One contract, three tiers of findings, board-ready output. Ali handles the research; your Shariah board makes the call.

Example: Murabaha contract review

Upload

Upload a 12-page Murabaha contract from your Islamic digital bank pipeline.

Ali identifies

  • 2 critical: late payment penalty (riba risk under AAOIFI SS 8)
  • 3 moderate: fee justification, commodity specification
  • 5 compliant: profit rate disclosure, ownership transfer

Ali delivers

  • Clause-level remediations with the standard reference for each
  • Multi-madhahib analysis on the contested clauses
  • Maqasid mapping for board discussion
  • Audit-ready summary with cryptographic record

Time saved

2-3 weeks12 minutes

Why Ali is different

A purpose-built compliance tool.

Generic AI tools generate text about Islamic finance. Ali supports compliance decisions with verifiable sources, controlled disclosure, and an audit trail.

Sources

Generic AI: Trained on public web. Confident answers without traceable origin.

Ali · Powered by ZeroH Disclosure: Cites the AAOIFI/IFSB/BNM standard, clause, and version. If source not found, says so.

Madhahib coverage

Generic AI: Surfaces one position, often majority view, no scholarly source.

Ali · Powered by ZeroH Disclosure: Presents Hanafi, Shafiʻi, Maliki, and Hanbali side by side, each with sources.

Data handling

Generic AI: Raw prompt sent to the model. Policy enforced after the fact.

Ali · Powered by ZeroH Disclosure: Policy applied at the prompt boundary. Original data does not leave your device.

Audit trail

Generic AI: Best-effort logs scattered across vendors and regions.

Ali · Powered by ZeroH Disclosure: Cryptographic record of every disclosure, stamped in your sovereign region.

Limits

Generic AI: Will answer outside its competence.

Ali · Powered by ZeroH Disclosure: Transparent about boundaries. Defers to your Shariah board on judgment calls.

Trust and security

Enterprise-grade.Proven track record.

Built by a team that has been deploying Islamic finance technology with regulators and Shariah boards. Certified to the standards your security team will ask about.

Security Certifications

SOC 2 Type II

Certified

ISO 27001:2022

Certified

GDPR

Compliant

UK Patent Pending

GB2604344.8

Track Record

FinoPitch International Grand Prize 2025

Tokyo. Sustainable ESG Islamic Finance Platform category.

Islamic Fintech Awards 2025

Dubai. Best Startup.

QDB and Qatar FinTech Hub portfolio company

Registered at the Qatar Financial Centre, active in the QFC Digital Assets Lab.

Fatwa pronouncement from Amanie Advisors

The ZeroH platform methodology that Ali is built on holds a full fatwa pronouncement from Amanie Advisors (April 2025), covering the platform digitalisation services that underpin Ask Ali.

Frequently asked questions

No. Ali augments scholarly work. It handles information gathering, standards cross-referencing, and evidence compilation (approximately 70% of the work). The scholar handles judgment, interpretation, and ruling (the 30% where expertise matters most). Ali is designed to give scholars the information access they deserve, with the judgment remaining entirely theirs.

Ali does not perform ijtihad. When a question requires original scholarly reasoning beyond settled precedent, Ali identifies those areas explicitly and flags them for human scholarly input. Ali distinguishes between what is settled in the standards and what requires bespoke scholarly judgment.

Yes. Ali presents Hanafi, Shafi'i, Hanbali, and Maliki positions simultaneously with scholarly sources cited for each. Scholars can review all four perspectives and select the applicable position. Ali documents the reasoning and alternatives considered.

Ali's knowledge base includes AAOIFI Financial Accounting Standards (FAS), Shariah Standards (SS), and Governance Standards, plus IFSB guidelines, BNM frameworks, and jurisdiction-specific regulatory requirements. Every answer cites the specific standard, clause, and version.

Yes. Ali is designed for both in-house Shariah teams and external advisory firms. It supports multi-client workflows, institutional memory per engagement, and structured output suitable for client deliverables including board reports, compliance memoranda, and ruling documentation.

Ali presents the positions clearly, cites the scholarly authorities for each, and identifies areas of genuine disagreement. It does not resolve disagreements or favour one position. The scholar reviews the evidence and makes the determination.

Talk to us about Ask Ali

Built to augment scholarly judgment. Talk to us and help shape the tool scholars deserve.

Tailored briefing for your institution
Walkthrough with our team
Built on ZeroH Disclosure from day one

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Public preview opens to anyone on 12 May 2026.

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