Banking-grade Shariah-native infrastructure for the global Islamic finance ecosystem.

Islamic Open Finance™ (IOF) is a platform composed from 10 native domain engines over a single double-entry ledger, exposing 109 Shariah-native rails across 19 categories (142+ API endpoints). It layers over Temenos, Finastra, Mambu, or Open Banking Protocol — no core replacement.

Two of the ten engines are the platform's defensible moats — the economic reason a tier-1 balance sheet rents IOF instead of building in-house:

• Settlement Engine (@iof/settlement-core) — 24×7×365 DvP/FOP/RVP/DFP finality for Murabaha, Ijarah, Salam, Sukuk. AAOIFI SS-1/8/10/17/21/30 enforced at the state machine; CSDR Art. 7 LMFP/SEFP penalties priced pre-confirm; ribawi-pair netting honoured. Reclaims 60–140 bps per corridor.
• Evidence Engine (@iof/evidence-engine-core) — signed, tamper-evident compliance pack on every trade. 47/54 controls across SOC 2, ISO 27001, AAOIFI, GDPR, PSD2, IFSB, ISO 20022. SHA-256 Merkle root + HMAC signature, one-call verification, JSON/CSV/PDF/ZIP export. Reclaims 30–55 bps on audit + re-papering.

Combined: 100–195 bps of Islamic-finance friction reclaimed per corridor.

Make Shariah-native banking infrastructure boringly reliable and AAOIFI/IFSB/ISO 20022 compliant by default — for:

• Banks & financial institutions — modernise operations on AAOIFI-compliant rails without core replacement
• Fintechs — ship Shariah-compliant products in weeks instead of years
• Developers — typed SDKs, OpenAPI 3.1 specs, sandbox in one command
• Regulators — signed evidence packs and audit trails on every transaction

import { IOFClient } from "@islamic-open-finance/sdk";

const client = new IOFClient({
  apiKey: process.env.IOF_API_KEY,
  environment: "sandbox",
});

// Create a Murabaha contract
const contract = await client.contracts.create({
  type: "murabaha",
  parties: [{ role: "seller", entityId: "e1" }, { role: "buyer", entityId: "e2" }],
  terms: { costPrice: 100000, profitMargin: 0.05, paymentSchedule: "monthly", tenure: 36 },
});

// Settle it on the moat rail (24×7×365 DvP, AAOIFI SS-enforced)
const settlement = await client.settlement.confirm({ contractId: contract.id, mode: "DVP" });

// Pull the signed compliance pack (47/54 controls, Merkle + HMAC)
const pack = await client.evidence.export({ tradeId: settlement.tradeId, format: "zip" });

from iof_sdk import IOFClient

client = IOFClient(api_key="your-api-key", environment="sandbox")

contract = client.contracts.create(type="murabaha", parties=[...], terms={...})
settlement = client.settlement.confirm(contract_id=contract.id, mode="DVP")
pack = client.evidence.export(trade_id=settlement.trade_id, format="zip")

• API Reference
• Quick Start Guide
• Settlement Engine
• Evidence Engine
• Webhooks

• Discussions
• Contributing

SDKs, cookbooks, and open-source connectors: Apache License 2.0 with explicit patent grant for enterprise use. Core platform: proprietary.

Islamic Open Finance™ and IOF™ are trademarks. See trademark guidelines for usage.

Built for the global Islamic finance ecosystem.