Ask Ali is an AI co-pilot purpose-built for Islamic finance compliance, product, and Shariah governance teams. Every answer cites its source (AAOIFI/IFSB standard, clause, and version), covers the four major madhahib, maps to the Maqasid al-Shariah, and produces a full audit trail. Ali is built on ZeroH Disclosure, the patent-pending privacy and proof platform that lets institutions use AI without surrendering control of sensitive data.

What is ZeroH Disclosure and how does Ali use it?

ZeroH Disclosure is the privacy and proof platform underneath Ali. It applies your institution’s disclosure policy at the prompt boundary, before any data reaches an external AI service, and it produces a cryptographic record each time it does. Ali runs entirely within the controls your institution has approved. The model only sees what your policy allows the model to see.

How is Ali different from ChatGPT or Claude for Shariah questions?

Generic AI tools are trained on public text and answer confidently even when they are wrong. They have no concept of jurisdictional Shariah requirements, do not cover the four madhahib systematically, and send your prompt to the model without enforcing your data policy first. Ali cites the specific standard for every answer, presents all four schools side by side, and never lets raw sensitive data leave your device.

Where does my data go when I use Ali?

Your original prompt stays on your device. ZeroH Disclosure detects sensitive fields client-side, applies your masking policy, and only the redacted prompt is sent onward. Audit trails are stamped inside your sovereign region (Qatar for GCC institutions). The external model receives only the masked tokens. On-soil deployment is available where data residency is required.

What standards does Ali cover?

Ali covers AAOIFI Financial Accounting Standards (FAS), Shariah Standards (SS), and Governance Standards, plus IFSB guidelines, BNM Shariah governance frameworks, and jurisdiction-specific regulatory requirements across the GCC, Malaysia, the UK, and adjacent markets.

Is the platform certified for institutional use?

Yes. Blade Labs holds SOC 2 Type II, ISO 27001:2022, and GDPR compliance, all in place since 2023. ZeroH Disclosure is patent-pending under UK application GB2604344.8 (filed 27 February 2026) covering the cryptographic disclosure architecture. ZeroH holds a full fatwa pronouncement from Amanie Advisors covering the underlying platform methodology Ali is built on.

When is Ali available?

The public preview opens 12 May 2026. Institutional teams (Shariah boards, compliance teams, product teams at Islamic banks, fintechs operating under dual mandate, scholars, and auditors) can talk to us anytime via the form on this page for a tailored briefing and walkthrough.

Ali is built by Blade Labs, a Qatar Development Bank and Qatar FinTech Hub portfolio company, registered at the Qatar Financial Centre and active through the QFC Digital Assets Lab. Live deployments include a Shariah-compliant agricultural financing system in Bangladesh and a Digital Receipt System POC in Qatar (September 2025). Blade Labs won the FinoPitch International Grand Prize 2025 in Tokyo and the Islamic Fintech Awards 2025 in Dubai.

London is where Western Islamic finance is headquartered.Ask Ali is the only fully compliant Shariah AI co-pilot — powered by ZeroH Disclosure.

Name: ZeroH Platform
Brand: Blade Labs

Five FCA-authorised Islamic banks. Dozens of Islamic windows. A $100B+ asset base. UK Islamic finance institutions require documented Shariah governance that satisfies both internal SSBs and FCA examination. Ali delivers source-attributed research with audit-ready evidence trails built for that standard.

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AAOIFI & FAS-trainedData resident in QatarSensitive data masked on-device

0/7 protectedProtected by ZeroH Disclosure

EmailCardIBANPassportDOBCurrencyIP

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.

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

MASKED

Qatar

Sovereign region

Audit trail
Permissioned DLT · encrypted storage

Stamps a hash, in region

STAMPED

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.

Dimension

Generic AI

Ali · Powered by ZeroH Disclosure

Sources

Trained on public web. Confident answers without traceable origin.

Cites the AAOIFI/IFSB/BNM standard, clause, and version. If source not found, says so.

Madhahib coverage

Surfaces one position, often majority view, no scholarly source.

Presents Hanafi, Shafiʻi, Maliki, and Hanbali side by side, each with sources.

Data handling

Raw prompt sent to the model. Policy enforced after the fact.

Policy applied at the prompt boundary. Original data does not leave your device.

Audit trail

Best-effort logs scattered across vendors and regions.

Cryptographic record of every disclosure, stamped in your sovereign region.

Limits

Will answer outside its competence.

Transparent about boundaries. Defers to your Shariah board on judgment calls.

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

AI tooling purpose-built for FCA-regulated Islamic banks is limited. Ali is a multi-tenant Shariah Governance AI platform with full AAOIFI coverage, UK regulatory context, multi-madhahib analysis, and institutional compliance workflows. It is built on ZeroH Disclosure, the patent-pending privacy and proof platform.

Yes. Ali covers the FCA regulatory framework alongside AAOIFI standards and IFSB guidelines. UK institutions can configure Ali to prioritise FCA-relevant standards and local Shariah governance requirements, with source-attributed evidence trails structured for FCA supervisory submissions.

Yes. Ali is SOC 2 Type II, ISO 27001, and GDPR compliant. UK GDPR and FCA data governance requirements are supported. On-soil deployment is available for institutions with strict data residency requirements.

Yes. Many UK Islamic banks operate across the UK, UAE, Qatar, and Bahrain. Ali supports cross-jurisdictional analysis, surfacing how FCA requirements compare with CBB, QFCRA, and CBUAE frameworks, and how AAOIFI standards apply in each context.

Yes. Blade Labs holds UK Patent Pending application GB2604344.8, filed 27 February 2026, covering the compliance automation technology that underpins both ZeroH and Ali. Blade Labs Holdings is registered in Singapore with a PCT deadline of 27 February 2027.

Yes. Islamic windows within conventional UK banks face the same FCA Shariah governance documentation requirements as standalone Islamic banks. Ali supports compliance teams in Islamic windows with the same source-attributed research and SSB documentation tools available to dedicated Islamic banks.

Talk to us about Ask Ali

Shariah Governance AI for the UK Islamic finance sector. Be among the first FCA-regulated institutions to access the platform.

Tailored briefing for your institution

Walkthrough with our team

Built on ZeroH Disclosure from day one

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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