Mudarabah Agri-tech | Deploy capital with confidence into agricultural ventures.
ZeroH Governance Platform
Mudarabah Agri-tech
Deploy capital with confidence into agricultural ventures.
Capital deployed, system operational
Capital deployed
67+
Blockchain event types
40+
SLAs tracked
Live
Target ROI
Setup
Fattening
Sale
Settlement
6
Stakeholder Roles
Full lifecycle governance
72
Event Types
Complete audit trail
100%
Shariah Compliance
SSB-certified
0
Fraudulent Claims
Dual-confirmation controls
Platform Preview
Purpose-Built Dashboards
Each stakeholder sees a tailored interface designed for their specific responsibilities in the Mudarabah lifecycle.
Farm Operations Dashboard
Real-time livestock count, weight gain tracking, SLA compliance, and daily task management.
Investment Portfolio
Capital deployment status, expense approvals, revenue tracking, and profit share projections.
Compliance Observatory
Contract review queue, settlement certification, and Shariah compliance scorecard.
The Challenge
Capital crosses borders. Transparency doesn't.
When investors are remote from operations, trust depends on spreadsheets and self-reported data. There is no mechanism to verify claims independently.
$5.5T
Islamic finance opportunity
Standard Chartered 2025. Projected to $7.5T by 2028.
0%
Expense verification rate
Traditional ops rely on trust alone
$220B+
Annual smallholder finance gap
ISF Advisors 2025. Around 70% of smallholder credit demand unmet.
12 mo
To detect misreporting
By then, funds are already gone
The problem isn't trust. It's the absence of verification.
Every expense verified by two independent parties. Every claim backed by evidence.
The Solution
Three pillars of verifiable governance.
ZeroH replaces trust-based operations with cryptographic proof. Every claim verified, every event anchored, every stakeholder accountable.
Every event anchored to blockchain
67+ event types across governance, operations, finance, and risk. All anchored with multi-sig verification. Records cannot be altered retroactively.
Two parties, two proofs, one truth
When the operator pays a vet $150, both the operator and the vet independently confirm with evidence on-chain. Mismatches are flagged automatically.
Every claim supported by proof
Receipts, bank statements, photos, veterinary certificates. No claim exists without supporting evidence. The audit trail is complete by design.
Vendor-agnostic by design. ZeroH provides the governance platform — you choose the field operator. Use your existing approved vendors or let us connect you with vetted partners.
Platform Capabilities
Six capabilities that transform agricultural governance.
Purpose-built for capital providers who need transparency, compliance, and control over remote agricultural ventures.
67+ blockchain-anchored event types
Every operational event, from cow registration to profit distribution, is anchored to blockchain with multi-sig verification. Records cannot be altered retroactively.
Independent evidence from payer and payee
When the operator pays a vendor, both parties independently confirm with evidence on-chain. Amount mismatches trigger automatic dispute flags. No single party can fabricate expenses.
AAOIFI-aligned with SSB embedded in lifecycle
SSB oversight is built into the governance lifecycle. Fatwa before contracts, certification before settlement. Shariah principles enforced at the protocol level, not bolted on.
Role-based access with auto-generated reports
Capital providers see what matters: livestock health, financial summaries, SLA compliance. 8 role types with selective disclosure. Each stakeholder sees only what they should.
40+ SLAs tracked automatically
48-hour cow registration, 7-day weekly reports, 24-hour incident reporting, 72-hour sale approval. Automated warnings and breach alerts before deadlines pass.
Evidence-backed profit calculation
Revenue minus verified expenses equals auditable net profit. SSB certifies the calculation. Profit split applied automatically. Every figure traceable to source evidence.
Governance by design, not by afterthought. Every feature enforces transparency at the protocol level.
How It Works
From onboarding to settlement in three steps.
Connect
Onboard your field operator, sign the Mudarabah contract with SSB certification, activate Takaful coverage, and register livestock with biometric identity.
Monitor
Track operations in real-time: health reports, weight trends, expense verification with dual-confirmation, and automated SLA compliance alerts.
Settle
SSB-certified profit calculation with full evidence trail. Transparent distribution per Mudarabah terms. Complete audit record preserved on-chain.
Investment Lifecycle: 4 Phases
Setup
Weeks 1-2
Capital deployment, contract signing, livestock registration
Fattening
Months 1-4
Health tracking, expense verification, SLA monitoring
Sale
Months 5-6
Market sales with pre-approval and payment verification
Settlement
Month 6
SSB-certified profit calculation and distribution
Multi-Stakeholder Governance
Six Roles, One Platform
Each stakeholder has a purpose-built dashboard with role-specific event forms, approval workflows, and field-level disclosure controls.
Rab al-Mal
RCapital provider. Approves purchases, monitors portfolio performance, confirms settlements.
Mudarib
SFarm operator. Manages daily operations, registers livestock, submits financial records.
SuperAdmin
APlatform governor. Creates cycles, invites members, oversees compliance across all roles.
Shariah Board
BSSB member. Certifies profit calculations, reviews contracts, ensures Islamic finance principles.
Takaful Provider
TIslamic insurance. Manages policies, processes claims, confirms mortality payouts.
Veterinarian
VAnimal health expert. Confirms vaccinations, validates treatments, verifies mortality causes.
Live Pilot
Bangladesh Livestock Mudarabah
Live
Status
Deployed
Capital
67+
Blockchain event types
40+
SLAs tracked
Full
Takaful coverage
Every stage
SSB review
Governance Highlights
Every expense dual-confirmed by payer and payee independently
All 67+ event types blockchain-anchored with multi-sig verification
SSB Fatwa before contract signing, SSB certification at every lifecycle stage
Takaful (Islamic insurance) for full livestock mortality coverage from day one
8 role types with selective disclosure per stakeholder
Automated SLA tracking with warnings before breach deadlines
AgriCore (parent of InsureCow) is our first field operator partner. ZeroH works with any operator. Use your own approved vendors, or let us help you find one.
Investment Structure
Mudarabah Profit-Sharing
In a Mudarabah contract, the Rab al-Mal (investor) provides capital and the Mudarib (operator) provides expertise. Profits are shared per the agreed ratio. Losses are borne by the investor unless caused by negligence.
Cycle Economics
60%
Rab al-Mal
40%
Mudarib
Technology Partner
Powered by InsureCow™
Built in partnership with AgriCore, the Singapore-incorporated parent of InsureCow. Each animal is uniquely identified through AgriCore's proprietary Pinchometric biometric technology, providing tamper-proof traceability from enrolment to sale, with a managed veterinary network and a farm management ERP for smallholder farmers in Bangladesh.
AgriCore
InsureCow™
Why ZeroH
Trust-based vs. verification-based governance.
Traditional agricultural investments rely on trust and spreadsheets. ZeroH replaces trust assumptions with cryptographic proof.
Dual-confirmation eliminates fraud.
When the operator pays a vet $150, the operator uploads proof and the vet independently confirms receipt. Both proofs are anchored to blockchain. If amounts differ, a dispute is flagged automatically.
“No single party can fabricate expenses. The governance architecture makes fraud structurally impossible, not just contractually prohibited.”
Your operators. Our governance.
ZeroH is vendor-agnostic. If you already have approved field operators, they plug directly into the governance platform. No need to change your existing vendor relationships.
“Capital providers shouldn’t have to choose between their trusted operators and proper governance. With ZeroH, you get both.”
Trust & Security
Enterprise-grade security. Proven track record.
Built by a team with 18+ months building Islamic finance governance solutions. Certified to the highest standards.
Security Certifications
SOC 2 Type 2
ISO 27001:2022
GDPR
On-soil deployment
Track Record
Qatar's first private permissioned blockchain
Launched with Al Rayan Bank (September 2025)
QFC Sandbox Alumni
Qatar Financial Centre regulatory validation
CUSP Wealth Fatwa
First-ever fatwa validating AI in Islamic finance (Jan 2026)
18+ months in Islamic finance
Building AI-native governance for Shariah-compliant ventures
Frequently asked questions
Everything you need to know about Mudarabah Agri-tech
What is Mudarabah?+
Can we use our own field operators?+
How does dual-confirmation anti-fraud work?+
How is Shariah compliance maintained?+
What role does blockchain play?+
How is our data secured?+
Does ZeroH integrate with existing systems?+
What does it cost?+
Ready to deploy capital with confidence?
Get in touch to learn how ZeroH governs agricultural Mudarabah ventures end-to-end.
Contact Us
What you get
- Full governance platform access
- Direct input on product roadmap
- Priority onboarding support
- Dedicated success manager
Bangladesh pilot live. Next cohort: Q2 2026.
Or email us directly at hello@bladelabs.io