The App Stack01
Ethical Finance
Fair lending · Transparent banking
LIVE
Privacy-first Health
Telehealth · Patient records
LIVE
Sustainable Commerce
B-Corps · Circular retail
LIVE
Amazon Web Services
Microsoft Azure
Google Cloud
FOUNDATION INSTABILITY DETECTED

It's time to build on
a foundation you can trust.

01
The House02
DEED HELD BY BIG TECH CORP.
RENT COLLECTED $0/mo
IslamicFinanceHalalFoodNikahAppIslamicEducationBIG TECH HQ
Defence & surveillance
34%
Shareholder returns
28%
Lobbying
22%

What if we owned the house?

02
Is Your Product Ethical at the Surface?03
YOUR PRODUCT = THE MORTGAGEYOUR INFRA = THE FUNDING
THE MORTGAGE
MURABAHA HOME FINANCE
Residential
Property Finance
✓VALUES
CERTIFIED
Product typeMurabaha — cost-plus financing
No interest chargedCompliant with Quran 2:275
Sharia board approvalAAOIFI standards
THE FUNDING
Barclays Savings Pool
Interest-bearing
HSBC Capital Markets
Derivatives
Goldman Credit Facility
Riba-based
BoE Lending Facility
Rate-linked
100% of capital originates from interest-bearing conventional pools.

Ethical at the surface.
What about the foundations?