The UAE runs three parallel financial jurisdictions.
ZeroH tracks compliance across all of them.

CBUAE, ADGM, and DIFC each operate distinct regulatory frameworks for Islamic finance and digital assets. ZeroH maintains a unified compliance view across all three — with obligation mapping, automated crosswalk, and audit-ready evidence structured for each regulator.

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UAE Regulatory Landscape

Three regulators, one compliance platform

CBUAE, ADGM, and DIFC require separate compliance programmes. ZeroH maps the overlaps and tracks each obligation independently.

CBUAE Shariah Governance Standards

The Central Bank of the UAE issued comprehensive Shariah Governance Standards requiring licensed financial institutions to maintain independent Shariah Supervisory Boards, compliance functions, and documented product approval processes.

ADGM — Islamic Finance Framework

Abu Dhabi Global Market's Financial Services Regulatory Authority provides a dedicated Islamic finance framework. ADGM-licensed Islamic finance entities must meet FSRA requirements for Shariah governance and risk management.

DIFC — Islamic Finance Laws

Dubai International Financial Centre operates its own Islamic finance legislative framework under DIFC Law No. 4 of 2018. ZeroH's obligation registry handles DIFC-specific compliance requirements separately from CBUAE obligations.

$800B+ in UAE Islamic finance assets

The UAE is home to Dubai Islamic Bank, Abu Dhabi Islamic Bank, and multiple ADGM-registered Islamic funds. The volume of assets under Shariah governance creates a compliance workload that manual processes cannot sustain.

The ZeroH product suite for UAE institutions

Multi-jurisdiction GRC, AI Shariah research, and document privacy for CBUAE, ADGM, and DIFC-regulated entities.

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The Problem

Full GRC automation with AI + blockchain

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The Problem

AI Shariah research for scholars and compliance teams

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The Problem

Document privacy before AI processing

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Frequently Asked Questions

Talk to Us About ZeroH in the UAE

Multi-jurisdiction GRC for CBUAE, ADGM, and DIFC. One platform for the complexity of UAE Islamic finance compliance.

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