Automated
Govern participant funds. Automate surplus distribution. Prove Shariah compliance.
Benchmark your takaful compliance posture against AAOIFI FAS 15/19, IFSB-8, and national regulatory requirements.
The Cost of Getting It Wrong
Takaful compliance failures are expensive to discover late. These are the issues that delay product launches and trigger regulatory findings.
Hybrid Model Complexity
Wakalah-Mudarabah hybrid structures require separate fund accounting, operator fee governance, and profit-sharing calculations that spreadsheets cannot reliably track.
Surplus Distribution Errors
Participant surplus allocation rules under AAOIFI FAS 15 are frequently miscalculated, creating retroactive restatement risk and regulatory scrutiny.
Re-Takaful Treaty Gaps
Re-takaful arrangements require their own Shariah compliance review. Treaty terms often lack the documentation needed to satisfy IFSB or BNM requirements.
Fund Segregation Failures
Commingling participant and shareholder funds is a frequent audit finding. Demonstrating clean segregation requires granular evidence that most operators cannot produce on demand.
Four Steps to Takaful Compliance
Extract Obligations from Standards
AAOIFI FAS 15, FAS 19, and IFSB-8 are pre-mapped. ZeroH extracts every compliance obligation and links it to your takaful model type and fund structure.
Automate Compliance Workflows
Surplus distribution calculations, Shariah board approval queues, and re-takaful treaty reviews run as structured workflows with assignees, deadlines, and evidence capture.
Anchor Evidence on Blockchain
Every fund segregation confirmation, board approval, and distribution decision is cryptographically hashed and anchored to Hedera. Auditors verify independently.
Generate Compliance Reports
Produce regulator-ready reports for BNM, SAMA, and CMA with one click. Evidence packages are pre-assembled from workflow outputs, not reconstructed manually.
Built for Every Stakeholder
Underwriting Team
Compliance requirements are embedded at the product design stage, not discovered at Shariah board review.
- Pre-built AAOIFI obligation checklists
- Model-specific compliance templates
- Fewer Shariah board rejection cycles
Shariah Board
A structured review portal with document queues, linked obligations, and cryptographic evidence replaces ad-hoc email submissions.
- Structured document review queue
- Obligation-linked evidence
- Immutable decision records
Actuary
Surplus distribution calculations are traceable from inputs to outputs with full audit history, reducing restatement exposure.
- Traceable distribution calculations
- Scenario documentation
- Reduced restatement risk
Regulator
Real-time compliance visibility with independently verifiable blockchain evidence, reducing examination preparation time.
- Live compliance dashboards
- Blockchain-verified evidence
- Faster examination cycles
Comprehensive Framework Support
AAOIFI Standards
- FAS 15 (Provisions and Reserves)
- FAS 19 (Contributions by Owners)
- SS 26 (Islamic Insurance)
- SS 41 (Re-Takaful)
- Governance Standard 7 (Shariah Compliance Review)
IFSB Guidelines
- IFSB-8 (Takaful Governance)
- IFSB-10 (Liquidity Risk Management)
- IFSB-14 (Risk Management for Takaful Undertakings)
- IFSB-16 (Pillar 3 Disclosures)
Regional Regulators
Supported Takaful Models
Credentials and Recognition
Amanie Fatwa Approval
Shariah Supervisory Board
Finopitch 2025 Grand Prize
International Category Winner
Global Islamic Fintech Awards
RegTech Innovation
QFC Digital Asset Lab
Production Deployment
How We Compare
| ZeroH | Archer Evolv | MetricStream AiSPIRE | |
|---|---|---|---|
| Takaful-Specific Templates | Pre-built (FAS 15/19) | Custom build required | Custom build required |
| Fund Segregation Tracking | ✓ | ✗ | ✗ |
| Surplus Distribution Workflow | ✓ | ✗ | ✗ |
| Blockchain Verification | ✓ | ✗ | ✗ |
| Fatwa Approval | Amanie (2025) | ✗ | ✗ |
| Implementation Time | Weeks | 3-6 Months | 3-6 Months |
| Shariah Board Portal | ✓ | Limited | Limited |
Based on publicly available product documentation.
Takaful Compliance FAQ
Automate Your Takaful Compliance
Reduce manual work across surplus distribution, fund segregation, and Shariah board review. AI assists with research and workflow. Scholars retain full approval authority.