CBUAE issued 985 binding Shariah rulings.Ask Ali is the only fully compliant Shariah AI co-pilot — powered by ZeroH Disclosure.
The UAE's 43 Islamic financial institutions operate under CBUAE's Higher Shariah Authority, mandatory Shariah Compliance Function standards, and a newly consolidated regulatory framework. Ali provides AI-assisted research across AAOIFI standards and HSA rulings so compliance teams spend less time searching and more time acting.
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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.
Generic models hallucinate citations
A confident but wrong AAOIFI reference is worse than no answer. Compliance teams cannot ship structures based on fabricated standards.
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.
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.
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.
Your device
Browser · macOS
- PII detection
- Masking
Original prompt never leaves your device
Qatar
Sovereign region
- Audit trail
- Permissioned DLT · encrypted storage
Stamps a hash, in region
Anthropic (US)
Claude
- Masked prompt only
- Returns answer
Sees only redacted tokens
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.
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.
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.
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
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
ISO 27001:2022
GDPR
UK Patent Pending
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
Ali is built on AAOIFI standards, which form the foundation of CBUAE's Shariah governance frameworks. Ali provides source-attributed research across these standards with specific clause references. Compliance teams use this research to prepare documentation that satisfies CBUAE's SCF Standard and HSA requirements.
The SCF Standard requires documented compliance processes with traceable evidence. Ali generates structured research outputs with source citations that compliance teams can incorporate directly into their SCF documentation. This reduces the time spent searching standards and cross-referencing rulings during compliance reviews.
Yes. CBUAE's Standard Re. Regulatory Requirements for Islamic Windows requires dedicated Shariah governance. The June 2025 enforcement action targeted an Islamic window specifically. Ali serves both full Islamic banks and Islamic windows operating under CBUAE supervision.
Ali currently focuses on AAOIFI and IFSB standards, which are relevant across UAE jurisdictions. DIFC and ADGM have independent regulatory frameworks, and Ali is expanding coverage to include free zone-specific requirements. For mainland CBUAE-regulated institutions, Ali provides comprehensive standards coverage.
Yes. The UAE ranks third globally in Islamic fintech with 55 active companies. Fintechs moving from sandbox to production licensing need Shariah compliance documentation that meets CBUAE standards. Ali helps prepare this documentation with structured, source-attributed research.
Ali supports data residency requirements with deployment options for institutions requiring UAE data residency. Documents pass through a privacy pipeline that classifies and masks sensitive fields before analysis.
Talk to us about Ask Ali
AI-assisted Shariah research for UAE compliance teams, scholars, and fintechs. Source-attributed, multi-madhahib, built for CBUAE-regulated institutions.
Your email will only be used to follow up about Ask Ali for your institution. No marketing emails.
Public preview opens to anyone on 12 May 2026.
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