Islamic Finance Structures
Murabaha, ijara, musharakah and mudarabah as smart-contract templates.
What it does
Islamic finance replaces interest with trade, leasing and partnership. This module is designed to provide smart-contract templates for those structures: cost-plus sale (murabaha), leasing and lease-to-own (ijara and ijara wa iqtina), diminishing partnership for home finance (diminishing musharakah) and profit-sharing (mudarabah), with each party's share, payments and ownership recorded on-chain. Asset-based certificates such as sukuk are planned as fractional ERC-1155 units. It is designed for Rizq Finance, which is built on Islamic finance principles and in development.
How it works
Islamic Finance Structures shape how an asset is issued and serviced. The Tokenisation Engine issues the units, Asset Lifecycle Management runs payments and ownership changes, and Profit-Sharing Vaults hold pooled savings.
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Step 1 of 3: Partner. In diminishing musharakah, the client and financier buy a home together.
Key capabilities
Murabaha and ijara
Cost-plus sale and leasing, with ownership and payments tracked on-chain.
Diminishing musharakah
Home finance where the client's share grows with every payment.
Mudarabah and musharakah
Profit and loss shared by the ratios agreed at the start.
Sukuk units
Asset-based certificates planned as fractional ERC-1155 units.