“When a person dies, their deeds end except for three: continuous charity, beneficial knowledge, and a righteous child who prays for them.”

- Sahih Muslim

The institution that sustained this promise for 1,400 years is in crisis.

The Digital Waqf Operating System.

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Built for compliance with international Islamic finance standards

AAOIFIIslamic accounting standards body FAS 37

Waqf Reporting

W3C

Verifiable Credentials

Hedera Hashgraph

via Hashsphere

Patent Pending

Dual-Confirmation

Four Madhabsschools of Islamic jurisprudence

Juristic Coverage

The Challenge

The 62% Problem

62% of donors make only a single donation. The primary drivers are poor communication, lack of transparency, and no sense of ongoing impact.

For NGOs

Perpetual funding instability. Short-term donations get consumed immediately, forcing constant fundraising cycles instead of sustainable program delivery.

THE INNOVATION

Awqaf assets that generate perpetual income, funding activities forever.

For Donors

Traditional waqf excludes middle-income donors. You need significant wealth to independently acquire high-value income-generating assets.

THE INNOVATION

Share-based ownership. Pledge $2,000/month over 10 years to own a share.

For Trust

Historical mismanagement led to nationalization. Donors hesitate due to limited transparency, weak reporting, and poor communication.

THE INNOVATION

Verified obligations with audit trails. Transparency by design.

The Solution

How the Platform Addresses Each Problem

Problem

Poor communication leads to 62% single-donation rate

Platform Solution

Two-way messaging, milestone updates, impact reports

Problem

Middle-income donors excluded from traditional waqf

Platform Solution

Share-based ownership with flexible monthly pledges

Problem

Trust deficit from weak reporting and opacity

Platform Solution

Verified obligations, audit trails, Shariah certification

System Architecture

How It Works

Investment Flow
DONORS
1. Pledge $
NGOs
2. Acquire
WAQF ASSETSProperty
Return Flow
WAQF ASSETS
3. ROI $
NGOs
4. Fund
BENEFICIARIESCharitable Impact
Communication Layer
Donors
5. Updates
Donor Management Platform
Reports • Milestones • Transparency
5. Evidence
NGOs

The 5-Step Flow

1

Donors pledge contributions to NGOs

2

NGOs use contributions to acquire waqf assets (income-generating property)

3

Waqf assets generate ROI which flows back to NGOs

4

NGOs use ROI to fund charitable activities and serve beneficiaries

5

Platform enables transparent communication between donors and NGOs

Key insight: Donors direct how their share of proceeds are used. They don't receive financial returns. A donor with 10% ownership directs how 10% of proceeds are allocated (e.g., 90% to education, 10% to healthcare).

Patent Pending

What if you could see every step?

A real waqf obligation, verified in real-time

Meet institutions where they are. Take them where they need to go.

Tier 1

ENGAGE

Establish Governance Foundations

“Trust us”

  • Stakeholder registration & roles
  • Fund tracking & reporting baselines
  • Donor & NGO communication
  • Maqasid al-Shariah mapping

Governance baseline: any institution starts here

Core IP
Patent Pending

Tier 2

VERIFY

Prove Compliance with Evidence

“Trust, but verify”

  • Dual-confirmation verification
  • Blockchain anchoring via Hashsphere
  • W3C Verifiable Credentials
  • Shariah audit trail
  • Evidence viewer & dispute alerts
  • Donor analytics & app intelligence

Where ZeroH delivers unique value

Tier 3

Vision

STEWARD

AI-Enabled GRC & Protocol Governance

“Trust the protocol”

  • KYC & identity verification for donors & vendors
  • Stablecoin payment rails (cross-border settlement)
  • Asset tokenization with inalienabilitycannot be sold, gifted, or inherited
  • Smart contract conditions (shurut al-waqiffounder's stipulations)
  • Multi-sig SSB governance for istibdal
  • Mutawalli succession protocols
  • AI-Enabled GRC framework: anomaly detection & audit trail
  • Advanced analytics & predictive insights

To be refined based on partner feedback and real-world needs

One platform. Three perspectives. Complete transparency.

Every stakeholder sees what they need: donors track impact, NGOs prove compliance, and oversight ensures accountability.

Loading Donor App...

Donor Mobile App

Peace of mind in your pocket

Waqfiyyah conditions, Mutawalli accountability, and Shariah compliance, from pledge to obligation proof, all in your pocket.

  • Give/Know/See: waqfiyyah to obligation proofs
  • Maqasid al-Shariah mapped across 5 objectives
  • Shariah board certification by Amanie & ISRA
  • Shariah preferences with preferred SSB & auto-reject
  • Maqasid filter chips to discover aligned initiatives
  • Pledge frequency: monthly, quarterly, or one-time
  • Disbursement transparency: see where funds went, verified by vendors
  • Property journey: 7-step waqf lifecycle with GRC and selective disclosure
  • Community trust: star ratings, reviews, and track records for every DID profile
NGO Dashboard

Operational excellence

NGO managers track obligations, submit evidence, and maintain compliance. Every action recorded, every milestone verifiable.

  • Obligation tracking and verification
  • Evidence submission workflow
  • Engagement analytics (retention, pledge rate, open rate)
  • Financial reports with inflow/outflow charts
  • Vendor management with confirmation tracking
  • Update publishing: notify donors with verified evidence and disbursement proof
  • Team trust directory: staff DID profiles with star ratings and on-time metrics

Loading NGO Dashboard...

IsDB Portal

Portfolio-wide visibility

Oversight officers monitor the entire waqf portfolio. Real-time compliance status, audit trails, and intervention alerts.

  • Multi-NGO portfolio dashboard
  • Compliance scoring and alerts
  • Audit trail and evidence review
  • Risk-sorted compliance matrix across NGOs
  • Export reports in PDF, CSV, or Excel
  • NGO comparison with 5 compliance sub-scores
  • Donor engagement monitoring: track update frequency and communication compliance
  • Personnel risk matrix: staff trust scores and community ratings across NGOs

Loading IsDB Portal...

Transparency in action

Every stakeholder sees the same truth, from their own perspective, with appropriate access controls.

NGO publishes

Updates with disbursement evidence, vendor confirmations, and staff trust profiles

Donor receives

Verified proof, property journey, and community trust ratings for every person

IsDB monitors

Communication compliance, personnel risk scores, and community trust signals

Starting where the need is greatest

Initial deployment: Turkey & Jordan

Turkey

Established waqf tradition & NGO ecosystem

  • Deep historical waqf culture: Vakif tradition dating centuries
  • Active NGO sector with established donor base
  • Strong regulatory framework for endowment management
  • Tech-forward population receptive to digital platforms

Jordan

Strategic location & strong charitable sector

  • Strategic regional hub for Islamic charitable organizations
  • Strong charitable sector with cross-border donor networks
  • Urgent trust-rebuilding need in endowment management
  • Proximity to GCC donor base

Hashsphere Infrastructure

Currently deployed in Qatar. Evaluating whether Turkey & Jordan operations can leverage existing Qatar infrastructure or require regional deployment for data residency and latency requirements.

Scalable to 57 OICOrganisation of Islamic Cooperation member states. Madhabschool of jurisprudence-aware. Jurisdiction-adaptive.

ISDB Waqf Initiative

For the waqifendowment founder: peace of mind that your Sadaqah Jariyahongoing charity endures.

Three modes. One waqf operating system. Every obligation tracked.

Loading Donor App...

Give

Your waqf, your conditions

Establish your waqf with peace of mind. Waqfiyyah conditions recorded, Maqasid al-Shariah mapped, Sadaqah Jariyah flows as perpetual endowment.

  • Waqfiyyah conditions recorded with beneficiary terms.
  • Maqasid al-Shariah giving map across 5 objectives.
  • Sadaqah Jariyah as perpetual endowment, tracked.

Know

Your Mutawalli reports to you

Your trustee (Mutawalli) is accountable. Verified milestones, Maqasid coverage, and impact updates, all at a glance.

  • Mutawalli trustee accountability at a glance.
  • Verified milestones with proof, not just claims.
  • Maqasid coverage across all 5 objectives.

See

Shariah verified, obligation by obligation

SSB boards certify. Obligation tracker with document hashes. Perpetual verification chain your grandchildren inherit.

  • SSB boards Amanie & ISRA certified.
  • Obligation tracker with document hashes.
  • Perpetual verification chain across generations.

We onboard with you, not just for you.

Every vendor, every workflow, verified before go-live. Trust cannot be rushed.

First Partner

3–6 months

Deep partnership. Hands-on vendor onboarding. Every workflow verified before go-live.

Second Partner

3–4 months

Apply learnings. Reuse templates. Compressed training with recorded materials.

Third Partner

1–2 months

Self-service begins. Growing vendor network. Some vendors already in platform.

Scale

~1/month

Vendor network effect. Parallel onboarding. Playbooks, templates, repeatable.

Target: 3–4 NGOs in Year 1 across Turkey & Jordan

Complementary, Not Competitive

Tadamon Integration

We propose meeting with the Tadamon team to explore the integration path that best serves the initiative. Four options, from tightest to lightest.

1

API Integration

Tight

Full data exchange between platforms. Initiative details, analytics, donor engagement metrics, and compliance data flow bidirectionally through documented APIs.

Initiative details APIAnalytics data feedsDonor metrics syncReal-time reporting
2

MCP Data Layer

Light

All platform data exposed through a structured data protocol. Tadamon consumes what it needs without custom integration work. Lower engineering effort, full data availability.

Structured data exportOn-demand accessNo custom endpointsFull data availability
3

Embeddable Widget

No-Code

A ready-made component that Tadamon can place directly on their platform. Displays initiative progress, donor engagement metrics, and verification status with no engineering effort.

Drop-in componentZero Tadamon engineeringLive data displayBranded to match
4

Promotional Banner

Referral

A branded banner on Tadamon linking to the waqf platform. No technical integration required. Tadamon promotes the initiative; donors click through to engage directly.

Banner placementDirect linkNo integration neededAwareness only

Proposed Next Step

A joint meeting with the Tadamon team to assess technical capabilities on both sides and identify the integration path that delivers the most value with the least friction. Any of these options can be implemented within the pilot timeline.

Commercial Model

Commercial Framework

Two buyer paths. One platform. Transparent, phase-aligned pricing.

IsDB — Platform Buyer
Phase 1 — Platform Build

Donor App · NGO Dashboard · IsDB Portal

$300,000one-time
  • Mobile donor app (iOS + Android)
  • NGO operations dashboard
  • IsDB oversight portal

Paid across 3 milestone phases. NGOs access the platform at no cost.

Ongoing

IsDB Portal License

$4,000/mo
  • Portfolio-level compliance monitoring
  • Multi-NGO risk scoring
  • Audit trail access
  • Aggregate reporting

$48,000/yr. Continues as ongoing subscription from Year 2.

Year 1 Total$348,000
NGOs — Verification Buyer
Tier 1

Engage

Free

Full platform access at no cost. NGOs manage donors and run waqf projects.

  • NGO dashboard & donor management
  • Pledge tracking & communication tools
  • Basic reporting & compliance views
  • Maqasid al-Shariah mapping (self-declared)

Funded by IsDB platform build. Upgrade to Verify for immutable proof.

Tier 2

Verify

Patent Pending

Immutable proof for every verified action — confirmed receipts, Verified Maqasid mappings, Shariah Board approvals, and more.

0–30 credits/moFull lifecycle for one initiative
Free
31–100 credits/mo2–3 initiatives with ongoing verification
$2,500/mo
101+ credits/moScaling across projects
$5,000/mo

One credit = one verified action. Credits reset monthly.

Market Benchmark

Generic Donor CRM$50-200/mo per seat

No waqf governance, no verification

Dock.io / Trinsic$2,000-8,000/mo

Credential infrastructure only, no domain layer

Archer / ServiceNow GRC$100K-500K/yr

Enterprise GRC, no Islamic finance or waqf modules

Blade Labs Waqf Platform$348K Year 1

Full-stack: governance + verification + domain expertise

Partnership

How We Work Together

Not a black box. A partnership with full visibility into every sprint, every decision, every line of code.

Co-Created PRD

Your team defines priorities. We architect solutions. Product requirements are jointly authored, never handed down.

2-Week Sprint Demos

Live working software every two weeks. You see what we build, give feedback, and approve before we continue.

99.95% SLA

Enterprise-grade reliability with 24/7 monitoring, <15min incident response, and a dedicated status page for your team.

Continuous Feedback Loop

Weekly sync calls, structured agendas, and a shared roadmap. Your feedback drives what we build next.

Path Forward

Recommended Next Steps

1
Review this proposal and confirm interest
Week 1
2
Technical deep-dive: architecture & integration requirements
Week 2
3
Joint meeting with Tadamon team to explore integration options
Week 2-3
4
Blade Labs participates in Turkey NGO workshop
TBD
5
Finalize scope of work (SOW) and milestone schedule
Week 4-5
6
Commercial agreement and procurement
Week 5-6
7
Kick off Phase 1 (Discovery & Design)
Week 7

Ready to move forward?

View the full commercial proposal for detailed scope, timeline, and pricing breakdown.

Download Commercial Proposal (PDF)

Waqf built Al-Azhar. Waqf funded the hospitals of Damascus. Waqf sustained communities across the Islamic world for fourteen centuries.

The institution doesn't need reinvention. It needs infrastructure worthy of its purpose.

ZeroH provides that infrastructure: the Digital Waqf Operating System.

Governance, risk, and compliance built into every lifecycle step. Verifiable, perpetual, and built on the principles that made waqf the most enduring charitable institution in human history.

ZeroHISDB NGO Empowerment InitiativePatent Pending

February 2026