Launch a verifiable Mudaraba product with on-chain governance from day one.
Mudaraba is one of the most powerful Islamic finance contracts. And one of the hardest to operate transparently. ZeroH ships a productised Mudaraba solution template: profit/loss-sharing contract decomposition, multi-stakeholder workflows (Rab al-Mal, Mudarib, Sharia board), Takaful integration, and 128+ contract obligations enforced on Hedera. Live in Bangladesh agri-cattle pilot today.
Mudaraba structures fail on operational transparency
The contract is elegant. The operations are usually opaque. Without on-chain governance, investors cannot verify, Sharia boards cannot audit, and regulators cannot supervise.
6-9 months
typical time to launch a verifiable Mudaraba
Profit/loss sharing without proof
Rab al-Mal investors must trust the Mudarib's reporting. When the contract spans cross-border operations, smallholder operators, or live assets, that trust gap stalls capital deployment. Even when the structure is sound.
Quarterly
typical Sharia oversight cadence (too slow)
Sharia board oversight after-the-fact
Sharia boards review the contract upfront and reconcile reports periodically. They do not see the live workflow. Issues surface late. Often after capital is deployed and operationally embedded.
3+
jurisdictions in a typical agri-Mudaraba
Cross-border supervision is fragile
Mudaraba structures spanning GCC capital, Bangladesh/Pakistan/Indonesia operators, and global Takaful providers require evidence each regulator accepts. Existing platforms produce paperwork, not cryptographic proof.
The ZeroH Mudaraba stack
A productised solution template running on the ZeroH agentic AI security platform. Contract clauses become enforceable obligations on-chain.
ZeroH Platform. Mudaraba Template
LiveContract-to-code Mudaraba structure with on-chain obligation tracking
ZeroH decomposes the Mudaraba contract into discrete obligations, assigns each to a role (Rab al-Mal, Mudarib, Sharia board, Takaful provider, operator), enforces deadlines and evidence requirements, and anchors every action to Hedera. The Bangladesh agri-cattle pilot runs 128 obligations live today.
- ✓Mudaraba contract decomposition into machine-enforceable obligations
- ✓Multi-role workflows: Rab al-Mal investor dashboard, Mudarib operator portal, Sharia board oversight
- ✓Takaful integration with mortality reporting and claims flow
- ✓Profit/loss reporting with cryptographic provenance
- ✓Hedera-anchored audit trail across the contract lifecycle
- ✓Designed to support evidence under AAOIFI Mudaraba standards and Sharia governance frameworks
ZeroH Disclosure
AlphaCross-border non-disclosure proof for investor and regulator sharing
For Mudaraba structures spanning multiple jurisdictions, ZeroH Disclosure produces cryptographic non-disclosure proof for cross-border investor reporting. Share evidence with regulators without exposing the underlying data.
- ✓BBS+ selective disclosure for investor / regulator / Sharia board sharing
- ✓On-premise data residency aligned to QCB, CBUAE, BNM requirements
- ✓Cryptographic redaction of personal and operational data
- ✓Proof packs for cross-border supervisory submission
Ask Ali
BetaSharia analysis built into the Mudaraba workflow
Ask Ali handles Sharia-question moments inside the Mudaraba flow. Multi-madhahib reasoning on edge cases, source-attributed answers, contract review. Every Sharia interaction policy-controlled via ZeroH Disclosure.
- ✓AAOIFI Mudaraba clause-level analysis
- ✓Multi-madhahib reasoning (Hanafi, Shafi'i, Maliki, Hanbali)
- ✓Source-attributed answers for Sharia board escalation
- ✓Contract review for sub-contracts and amendments
Live deployment: Bangladesh agri-cattle Mudaraba
A working Mudaraba pilot operating today. Not a deck slide. Capital deployed, cattle live, contract enforced on-chain.
128 enforceable obligations from a single Mudaraba contract
The full Mudaraba contract. Capital deployment, profit-sharing schedule, operational covenants, Takaful enrolment, mortality reporting, settlement. Is decomposed into 128 machine-enforceable obligations. Each anchored to Hedera. Deadlines, evidence requirements, and escalation paths automated.
Farmers, investors, vets, and Sharia board in one platform
Operators upload cattle photos and weight evidence. Veterinarians sign off on health checks. Investors see a Rab al-Mal dashboard with portfolio overview. Sharia board has a dedicated oversight surface with audit-trail access. Everyone with their own view of the same underlying contract.
Live mortality reporting with cryptographic evidence
When a mortality event occurs, evidence (photos, vet sign-off, disposal log) is captured on-platform within 24 hours, reported within 48, with carcass disposal within 72. All per contract. The Takaful provider receives masked evidence sufficient for claims processing without exposing investor or operator PII.
Frequently Asked Questions
Explore by Role
See how ZeroH serves different roles in your organisation.
CISOs
ZeroH gives CISOs at regulated banks, insurers, and asset managers a verifiable safety layer for the AI tools their staf
Data Protection Officers
ZeroH gives DPOs cryptographic, third-party-verifiable proof that personal data was redacted before it ever reached an A
AI Risk Officers
ZeroH gives AI Risk Officers cryptographic, third-party-verifiable evidence of AI governance. Aligned to PRA SS1/23 mode
Compliance Officers
ZeroH automates compliance tracking, surfaces regulatory changes before they become gaps, and generates audit-ready evid
Shariah Boards
ZeroH maintains a living record of every fatwa, approval condition, and parameter boundary. Your board focuses on schola
CFOs and Finance Leaders
Self-service deployment in weeks, not months. No consultants required. Blockchain-verified proof that satisfies regulato
Risk Managers
ZeroH maps Shariah non-compliance risk alongside your operational, regulatory, and reputational risk frameworks. One pla
Auditors
Continuous Shariah compliance monitoring that flags product drift the moment it occurs, generates audit-ready evidence t
Digital Bank Formation
ZeroH is validated inside the Qatar Financial Centre Digital Assets Lab — the first private permissioned blockchain for
Explore by Region
See how ZeroH operates in key Islamic finance markets.
Saudi Arabia
SAMA's Shariah Governance Framework requires independent Shariah boards, documented compliance processes, and structured
United Arab Emirates
CBUAE, ADGM, and DIFC each operate distinct regulatory frameworks for Islamic finance and digital assets. ZeroH maintain
Qatar
ZeroH is validated inside the Qatar Financial Centre Digital Assets Lab — Qatar's international financial hub. QCB's AI
Bahrain
The Central Bank of Bahrain's Rulebook Volume 2 sets some of the most detailed Shariah governance requirements globally.
Kuwait
Kuwait's Islamic banking sector manages over $140B in assets under CBK Shariah governance instructions and AAOIFI standa
Malaysia
BNM's Shariah Governance Policy Document, the Securities Commission's Capital Markets Plan 2026-2030, and PDPA create ov
Indonesia
OJK Shariah governance regulations, DSN-MUI fatwa requirements, and Bank Indonesia oversight create layered compliance o
Bangladesh
With $47B in Islamic banking assets, 10 full-fledged Islamic banks, and over 50 Islamic banking windows, Bangladesh carr
Pakistan
With $50B+ in Islamic banking assets, five full-fledged Islamic banks, and an SBP-mandated Shariah governance framework,
United Kingdom
With $100B+ in Islamic finance assets, five dedicated Islamic banks, and an FCA regulatory framework that demands docume
Launch your Mudaraba product with proof.
Schedule a demo to see how the ZeroH Mudaraba template moves from contract paper to operating product in weeks. With cryptographic governance from the first day.