Zoral empowers Islamic banks, fintechs, and financial institutions to launch and scale Sharia-compliant products with speed, transparency, and technological integrity. Our modular solutions and embedded compliance capabilities make it easier than ever to deliver ethical, faith-aligned financial experiences for modern markets.
Islamic finance is one of the fastest-growing segments of global financial services, with increasing demand across the Middle East, Southeast Asia, Africa, and parts of Europe. However, institutions pursuing Sharia-compliant offerings face structural and operational constraints that limit scalability and innovation.
Complex contract structures requiring precise automation (Murabaha, Ijara, Mudarabah, etc.)
Manual Sharia compliance checks and audits
Fragmented technology platforms that do not support Islamic product logic
Limited access to real-time risk, performance, and customer data
Difficulties in launching new digital-first offerings due to regulatory sensitivities
Zoral enables Sharia-compliant institutions to digitize and expand their offerings without compromising on religious, regulatory, or operational integrity. Our platforms are built to support complex Islamic contracts, offer full traceability for audit and fatwa governance, and integrate seamlessly with third-party services for core banking, payment processing, and risk control.
Whether you are modernizing your legacy infrastructure or launching a digital-first Islamic bank, Zoral delivers the intelligence, compliance, and agility you need to lead in this fast-evolving segment.
Ethical AI models for compliant decisioning, eligibility, and behavior scoring.
Orchestrates contract logic, transaction flows, and approval layers for Islamic products.
Automates generation and analysis of Islamic contracts and supporting documentation.
Provides real-time dashboards and insights into product compliance and financial performance.
Connects to Halal investment platforms, Islamic payment gateways, and third-party bureaus.
Automates onboarding, approvals, disbursements, and audits for contract-based workflows.
Zoral has helped us digitize our Sharia lending operations with incredible precision. Every process, contract, and workflow is now streamlined and compliant.
Head of Product
GCC-Based Islamic Bank
We were launching a digital-first Islamic microfinance platform and needed speed and compliance. Zoral delivered both, plus a partner mindset.
Founder
African Islamic Fintech Startup
Our auditors were impressed by how seamlessly Zoral’s platform captures and documents our Sharia compliance logic at scale.
CTO
Southeast Asia-Based Takaful Provider
