Every business model, funding structure, partnership agreement and revenue mechanism at ZAKR is designed from first principles to comply with Islamic finance principles under AAOIFI standards. No riba. No gharar. No maysir.
No conventional bank loans, no overdraft facilities, no working capital loans, no equipment financing with interest components, no VC with interest-bearing preference shares or guaranteed IRR.
No speculative financial contracts. No derivatives or options on ZAKR equity or revenue. All profit-sharing ratios defined in advance and agreed by both parties.
No lottery-style incentive structures. No token-based reward mechanisms with uncertain value. No performance bonuses tied to speculative market outcomes.
No investment from or partnership with entities in conventional finance, alcohol, tobacco, weapons manufacturing without ethical restriction, or adult entertainment.
DST-SERB, BIRAC, NIH SBIR, EU Horizon Europe EIC Accelerator, Alzheimer's Association Research Grant. All non-repayable, zero interest obligation.
Investors provide capital (rab al-mal), ZAKR provides expertise (mudarib), profit shared at agreed ratio. No guaranteed return. No interest. All agreements certified by Shariah scholar.
Joint venture structures for pharmaceutical and hospital partnerships where all parties share proportional risk and return. Revenue contingent on actual performance only.
Hardware procurement via Shariah-compliant institution purchasing equipment at cost and selling to ZAKR at agreed markup. Deferred payment. No riba component.
Office space and test equipment on Ijara lease terms. Rental payment without ownership transfer. Pre-agreed purchase option at lease end.
Model improvement revenue from federated learning participants distributed as Mudarabah profit share - not interest. Each participant is a capital provider, not a lender.
Every partnership agreement reviewed by a Dar Al-Ifta or AAOIFI-certified Shariah scholar before execution.
ZAKR's Shariah compliance fatwa published at zakr.life/shariah for transparency to investors and partners.
Shariah compliance opens the Islamic finance ecosystem including Gulf family offices, IsDB and Waqf innovation funds.