Islamic Finance and DeFi, Built on Islamic Principles
Rizq Finance is building halal investing, profit-sharing savings, tokenised property and on-chain Islamic finance in one platform, designed around Mudarabah, Murabaha, Musharakah and Ijara. Transparent, asset-backed and interest-free.
Islamic finance principles, asset-backed and transparent, map naturally onto on-chain infrastructure. Rizq Finance is designed to bring them together, starting with the UK. It is in development.
Standards and networks
What Rizq Finance delivers
Principled by design
Structured around established Islamic finance principles rather than adapted after the fact, so the financial logic is aligned from the foundation up.
Asset-backed and transparent
Designed so that what backs each instrument is clear and verifiable on-chain, in keeping with the requirement that transactions be backed by real assets and free of interest.
Everyday finance and DeFi together
Designed to bring savings, investing, property and on-chain liquidity into one platform for a global audience that conventional finance and conventional DeFi underserve.
How it works
Rizq Finance is designed to compose tokenisation, liquidity and compliance modules around structures derived from established Islamic finance principles. Mudarabah provides profit-sharing arrangements, Murabaha provides cost-plus financing, Musharakah provides partnership structures, and Ijara provides leasing. Each is brought on-chain with the transparency and verifiable asset-backing those principles call for. Products are described here on a forward-looking basis.
Rizq is designed around four core Islamic finance principles: Mudarabah (profit-sharing), Murabaha (cost-plus), Musharakah (partnership), and Ijara (leasing).
1/3 · Buy. The financier buys the asset the client needs, taking real ownership first.
Illustrative structures. Rizq Finance is in development.
Who Rizq Finance is for
Designed for individuals and the institutions that serve them. Choose one to follow their journey. In development.
Step 1 of 3: Save. Profit-sharing savings built on Mudarabah, sharing real returns by an agreed ratio.
Grow wealth without interest
Designed for people who want savings, investments and giving built on Islamic finance principles, with structures they can understand and verify.
The challenge
Mortgages, savings and investments mostly run on interest, and the alternatives that exist are often costly and hard to reach.
What changes
- Returns shared from real assets, not paid as interest
- Structures you can see and verify on-chain
- Forward-looking: Rizq Finance is in development, UK first
Islamic finance products, on-chain
Infrastructure designed for offering Islamic finance products on-chain, with verifiable asset-backing by construction.
Offering Islamic finance products usually means bespoke structures, manual reporting and a limited reach to investors.
- Structure: Choose a structure: Murabaha, Ijara, Musharakah or Mudarabah.
- Tokenise: Issue on-chain with the backing asset verifiable to every party.
- Distribute: Reach a global on-chain audience, with eligibility handled through SBX ID.
- Designed around established Islamic finance structures
- Asset-backing verifiable on-chain
- Reusable identity and eligibility for investors
What's inside
The capabilities that make up Rizq Finance. Select one to see how it works.
Profit-sharing savings
Rizq Finance is designed to grow savings through Mudarabah: depositors provide capital, it is invested in asset-backed opportunities screened against Islamic finance principles, and returns are shared by an agreed ratio rather than paid as interest.
- Returns from real assets, shared by a ratio agreed upfront
- Opportunities screened against Islamic finance principles
- Forward-looking: Rizq Finance is in development
Tokenised property
Rizq is designed to offer fractions of vetted rental properties as tokens structured on Islamic finance principles, so investors can hold real property exposure and receive a share of rental income, built on the same tokenisation rails as SBX Prime.
- Fractional ownership of income-producing property
- Rent flows to token holders in proportion to their share
- Home finance designed around diminishing Musharakah
Musharakah liquidity pool
When an investor needs liquidity, the pool is designed to buy their tokenised asset at the prevailing market price, resell it on the marketplace, and share the resulting profit or loss with everyone who staked. It is a partnership, so stakers share outcomes in both directions.
- Exit at market price without waiting for a buyer
- Profit and loss shared among pool participants
- No interest and no guaranteed returns
Zakat and charity on-chain
A Zakat calculator is already available on rizqfi.com. The platform is designed to go further, calculating Zakat across holdings, confirming it on-chain and distributing it to charities with a transparent public record.
- Zakat calculated across asset types
- Distribution recorded on-chain for transparency
- Charitable giving that donors can verify