v1.0.0 — April 2026
Initial Release
- Murabaha financing: Cost-plus financing with asset purchase tracking, repayment schedule generation, installment processing, and early settlement calculation
- Product types: Asset Murabaha, Commodity Murabaha, Trade Finance Murabaha
- Contract statuses: Draft, Pending Purchase, Active, Overdue, Settled, Cancelled
- Musharaka partnerships: Diminishing and permanent partnership structures
- Configurable profit-and-loss sharing ratios per partner
- Capital contribution tracking with multi-currency support
- Diminishing Musharaka buyout schedules and processing
- Mudarabah investment accounts: Profit-sharing investment with bank as manager (Mudarib)
- Restricted and unrestricted Mudarabah support
- Configurable profit-sharing ratios between Rab al-Maal and Mudarib
- Deposit and withdrawal management with lock-in period enforcement
- Wadiah deposits: Safekeeping deposit accounts with guaranteed principal
- Hibah (gift) distribution management
- Full custody accounting with audit trail
- Wakala investments: Agency-based investment contracts
- Fixed management fees and performance-linked incentives
- Investment tracking and performance reporting
- Profit distribution engine: Automated profit calculation and distribution across investment pools
- Configurable pool structures with weightage systems
- Distribution frequencies: Daily, Weekly, Monthly, Quarterly, Annually
- Full audit trail of all distributions
- Zakat calculation: Compute zakat obligations across customer portfolios
- Support for Hanafi, Shafi'i, Maliki, and Hanbali calculation methodologies
- Nisab threshold management with automatic gold/silver price updates
- Hawl (Islamic year) tracking per asset category
- Zakat on: cash, savings, investments, trade goods, agricultural produce
- Multi-tenancy: Full tenant isolation for all resources
- Sandbox: Full sandbox environment with test fixtures for deterministic results