Access capital, without riba.
Interest-free community financing and asset-backed, risk-shared credit — funded by the community, governed transparently, and structured so no interest ever changes hands.
Financing built on solidarity, not debt.
Two models, one principle. Qard al-Hasan provides benevolent, interest-free loans for those in genuine need, funded by a community pool. Asset-backed private credit uses a genuine murabaha trade: the financing pool buys a real asset and sells it on at a disclosed cost-plus margin agreed upfront — so financiers take real ownership risk and earn a profit from a real transaction, never interest.
Need met two ways.
Qard al-Hasan
Benevolent, interest-free financing for genuine need, funded by a community pool. Repay only what you borrowed.
Risk-Shared Private Credit
Asset-backed financing through a genuine murabaha trade: financiers take real ownership risk and earn a disclosed cost-plus profit, never interest.
The private-credit cycle
Asset-backed, risk-shared and fully on-chain — from request to settlement.
Need
A vetted, asset-backed financing request is listed.
Fund
Community financiers fund it through the pool.
Structure
A murabaha sale defines the asset, cost and disclosed profit margin upfront.
Settle
On completion, principal plus the agreed profit returns to financiers — no interest, fully on-chain.
No Interest
Profit comes from a real trade, never from lending.
Asset-Backed
Every facility is secured against a real asset.
Risk-Shared
Financiers carry genuine risk, as Shariah requires.
Register-Certified
Each structure verified on the Shariah Register.
Lending versus financing
Conventional lending
- Interest on the loan (riba)
- Lender bears no real risk
- Penalties compound debt
Rizq halal financing
- No interest, ever
- Risk genuinely shared
- Qard al-Hasan charges nothing at all
Halal financing FAQ
Is this just a loan with extra steps?
No. Qard al-Hasan charges nothing at all. The private-credit model is asset-backed, with shared risk and a profit agreed upfront on a genuine trade — that structure, not a disguised interest charge, is what makes it halal.
Who funds it?
The community pool and participating financiers, transparently on-chain. You can see what was funded and how returns flowed back.
What if someone cannot repay Qard?
It is benevolent by design. Hardship provisions and community support apply, never compounding penalties.
Be first when this launches.
Join the founding community and get priority access.