Independent Shariah governance, by design.
Compliance can't be a marketing badge. This is the governance framework we are committed to putting in place: an independent Shariah Supervisory Board, AAOIFI-aligned standards, and product-by-product certification — all before a single product goes live.
Oversight is the foundation, not a label.
Genuine Islamic finance requires independent scholarly oversight at every layer — the contracts, the screening, the flows of money. We are building Rizq so that no product reaches you until it has been reviewed and certified by a qualified, independent Shariah Supervisory Board, and so that its compliance can be re-verified for as long as it is live.
We are pre-launch and openly say so. This page sets out exactly what we understand must be in place — and what we are committed to delivering before launch.
- An independent Shariah Supervisory Board, publicly named
- Every product certified before it goes live
- Methodology aligned to AAOIFI standards
- Annual independent Shariah audit
- Fatwas and audit findings published
- On-chain Shariah Register enforcing certification
Independent scholars, real authority
The board will be composed of qualified scholars in Islamic commercial jurisprudence (fiqh al-mu'amalat), independent of the commercial team, with a clear mandate.
Approve every product
No product or contract launches without the board's review and a written certification (fatwa).
Set the standards
The board defines the screening rules and contract structures the platform must follow.
Supervise continuously
Ongoing oversight — not a one-off sign-off — with the power to suspend anything that drifts out of compliance.
Answer to members
Certifications are published so the community can see what was approved, and why.
From structure to certified product
Every product will pass the same gate before it is offered.
Structure
The contract is designed on a sound Islamic basis — mudaraba, musharaka, murabaha, ju'ala or qard.
Board review
The Shariah Supervisory Board scrutinises the contracts, flows and disclosures against AAOIFI standards.
Fatwa & certificate
On approval, a written fatwa and certificate are issued — and recorded on the Shariah Register on-chain.
Publish & monitor
The certification is published and the product is monitored, with re-review whenever it materially changes.
Independent
The board sits apart from the commercial team.
AAOIFI-Aligned
Built to recognised global Islamic-finance standards.
On-Chain
Certification enforced by the Shariah Register smart contract.
Transparent
Fatwas and audit findings made public.
Compliance is continuous, not a certificate on a wall
Annual Shariah audit
An independent annual audit will review that the platform operates exactly as certified — money flows, purification and contract execution included — with findings published.
Automated purification
Any incidental impermissible income is calculated and routed to charity automatically, so returns stay clean without you having to track it.
Ribawi-asset settlement
Gold, silver and currency trades settle on the spot with constructive possession, as Shariah requires for these assets — never on deferred terms.
The Shariah Register
An on-chain register that gates every tradeable asset: nothing trades without a valid Shariah Certificate, and anything that loses it is delisted.
Honest about our stage
Rizq is being built. The Shariah Supervisory Board will be appointed and publicly named, and every product certified, before launch. We publish this framework now so you can hold us to it — and so you know that when we say "halal", we mean it the way it must be meant.
Built right, from the first day.
Join the founding community and follow our Shariah governance as it takes shape.