The two overlapping circles in the JAIZ logo symbolize the fusion of tradition and technology, local identity and global reach, ethics and innovation. One circle reflects Islamic ethical finance principles such as being interest free, ensuring fair risk sharing, and promoting wealth purification through zakat, while the other represents modern fintech innovation including cloud infrastructure, open APIs, and access to global markets. Their intersection forms a shared space of harmony, illustrating how JAIZ creates value at the meeting point of faith and modernity, consumers and institutions, profitability and ethics. Rooted in Turkey yet expanding to the world (Türkiye’den Cihâna), the design also echoes motifs from Islamic geometry, where interlocking circles stand for unity, fairness, and interconnectedness, visually reinforcing JAIZ’s mission to provide a platform that is ethical, scalable, transparent, and inclusive.
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💠 Türkiye‑Native, Global‑Capable: BIST equities & ETFs, participation indices, Takasbank and MKK integrations, plus access to major global markets.
💠 All‑in‑One: Brokerage, robo portfolios, IPO participation, zakat & purification tools, Islamic treasury (Wakala / commodity Murabaha), and digital payments.
💠 Built for Scale: Microservices, Kubernetes, open APIs, FIX/REST, bank‑grade security (CMB, MASAK, and data‑privacy alignment).
💠 For Consumers & B2B: A retail app anyone can use; white-label infrastructure for banks and fintechs.
Türkiye‑first + global: native BIST/Takasbank/MKK plus curated access to international halal universes.
Real‑time AAOIFI screening with independent SSB oversight and automated purification workflows.
Developer‑ready: open APIs, SDKs, sandbox, and rapid white‑label kits for banks/fintechs.
Operational‑grade: audited resilience, best‑execution monitoring, and compliance automation from day one.
- 🌐 Halal Investing AppBuy BIST shares and ETFs, plus global halal markets pre-screened to AAOIFI standards.
- 🌐 Fractional SharesStart with small amounts, aligned to your suitability profile.
- 🌐 Sukuk & Participation FundsSubscribe to Shariah‑compliant fixed‑income alternatives and participation funds.
- 🌐 Robo‑AdvisoryGoal‑based portfolios managed via Shariah screens, rebalanced automatically.
- 🌐 IPO AccessSeamless IPO access with checks, tracking, and Takasbank settlement.
- 🌐 Purification & Zakat ToolsCalculate non‑permissible income to donate; estimate zakat by asset class, nisab, and holding periods.
- 🌐 Digital GoldBuy, hold, and redeem LBMA‑standard, Shariah‑vetted gold with audit trails.
- Brokerage: From 0.25% per domestic trade; tiered pricing for global.
- Robo Advisory: Annual advisory 0.65% (management + custody where applicable).
- Account: No opening fee; funding via FAST/EFT and SWIFT; QR payments supported where available.
- Note: Fees vary by plan, venue, and partner bank.
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White‑Label Retail Brokerage for participation banks. - Robo & Model Portfolios tailored to participation indices.
- Islamic ETF / Fund Distribution with suitability, disclosures, and risk scoring.
- IPO Onboarding and Allocation with investor communications.
- Corporate Sukuk Portals for primary subscriptions.
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Core Infrastructure & ComplianceJAIZ B2B INTEGRATION delivers a unified brokerage framework that combines regulatory-grade asset protection, treasury management, and Shariah governance. It ensures client money safeguarding through segregated arrangements, custodian due diligence, and multi-jurisdictional custody models. Automated equity and ETF screening engines align with AAOIFI standards, offering real-time classification, exception handling, and purification workflows. Shariah-compliant treasury solutions include Wakala, Murabaha, sukuk portfolios, and zakat calculation tools. Advanced capital markets execution supports FIX protocols, smart order routing, CCP/CSD interoperability, and fail trade management. Compliance is reinforced with AML/CTF frameworks, sanctions screening, risk-based KYC/KYB/KYT, enterprise risk management programmes, and regulatory reporting under MiFIR, EMIR, and TRACE. -
Licensing, Technology & ScalingDesigned for global scalability, JAIZ B2B INTEGRATION provides licensing coverage across FSRA, FCA, DFSA, SCA, MAS, SEC/FINRA, ESMA/MiFID II, and more, with permission scoping for execution, advisory, custody, and discretionary management. Capital adequacy planning meets Basel III/IV standards, supported by ICAAP/ICARA frameworks and senior management governance. Its technology stack features high-performance trading systems with sub-10ms latency, multi-rail Shariah-compliant treasury operations, cloud-native microservices, GitOps CI/CD, and zero-trust IAM security. Data and analytics leverage Kafka pipelines, lakehouse architectures, and ML-driven compliance insights. Operational resilience is ensured through three lines of defence governance, vendor risk management, liquidity stress testing, and IFRS-compliant reporting. A developer and API ecosystem enables seamless fintech integration, while the structured Launch & Scaling Playbook guides institutions from regulatory engagement and readiness to controlled market entry and cross-border growth.
- Shariah Supervisory Board (SSB)AAOIFI‑qualified scholars; formal charter and independence policy.
- MethodologyBusiness‑activity screens (alcohol, gambling, pork, conventional banking, weapons, etc.) + financial ratios (AAOIFI thresholds).
- Quarterly ReviewsPortfolio audits, event‑driven reassessments, and annual Shariah assurance reports.
- Fatwa RepositoryVersion‑controlled rulings; audit trail from product design to launch.
- PurificationAutomated calculation of non‑permissible income; reporting and donation rail integrations.
- ZakatAsset classification, nisab thresholds, holding‑period logic, and calculators.
- Explainable by Default
- Human-in-the-Loop
- Privacy-by-Design (KVKK/GDPR)
- Shariah-Aligned Only
- Opt-In Controls
Artificial intelligence is not conscious and it never will be. It is a system of computation, powerful and useful yet ultimately blind. True understanding requires consciousness, something no machine possesses. Jaiz task is not to confuse calculation with intelligence but to use computational tools wisely and to their fullest potential.
🌿 Halal Copilot (EN/TR): A conversational research assistant grounded on our fatwa repository and methodology. Returns sources/citations and avoids speculative calls. Never recommends prohibited instruments.
🌿 Smart Compliance Alerts: Real‑time flags when a holding’s status changes (activity or ratio breaches), with guidance and optional auto‑purification.
🌿 Portfolio Health & Nudges: Explainable insights on diversification, drift, and halal‑constrained rebalancing. No leverage, no interest‑based suggestions.
🌿 Zakat & Purification AI: Auto‑classification by asset type and holding period; annual purification pack with donation receipts.
Event bus/webhooks for alerts; REST/GraphQL endpoints; vector search (RAG) over rulings with metadata.
⚙️ Screening‑as‑a‑Service API: Low‑latency halal scores for ISIN/tickers with business‑activity mapping, AAOIFI ratios, event flags, and audit trails.
⚙️ Surveillance ML: Anomaly detection to assist post‑trade monitoring (e.g., layering/spoofing patterns). Analyst workbench keeps humans in control.
⚙️ AML/KYT Triage: Risk‑based scoring that blends rules + models for sanctions/adverse‑media hits; explainable features and case management.
⚙️ TCA Optimizer: Venue selection analytics and best‑execution evidence within Shariah constraints.
RESPONSIBLE AI & GOVERNANCE
🛡️ Model Governance: Dataset lineage, approvals, challenger‑vs‑champion testing, periodic re‑validation, and drift monitoring.
🛡️ Privacy & Security: On‑shore data residency where required; encryption in transit/at rest; role‑based access; redaction for PII.
🛡️ Controls: Usage policies, audit logs, opt‑out, and rate limits. Generative features are clearly labeled and supervised.
Explore JAIZ Intelligence |· Request API Access ·|· Read AI Governance Policy
Solutions
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- Brokerage
- BIST Equities/ETFs screened to participation criteria.
- Global Markets: Curated halal universes across US, UK, EU, GCC, and APAC venues.
- Fractionals: Invest from small amounts; automated drip investing.
- Advanced Tools: Depth, smart orders, conditional triggers, bracket/OCO, and risk controls.
- Fixed‑Income Alternatives
- Sukuk access and monitoring.
- Participation Funds via integrated distributors; full disclosures and KIIDs.
- Robo & Model Portfolios
- Risk Line‑up: Conservative, Balanced, Aggressive.
- Thematic: Türkiye‑Growth (participation‑index tilted), Global‑Quality (low‑debt), Income‑via‑Sukuk.
- Research & Tools
- Reports: Daily/weekly; sector, thematic, and macro.
- Screeners: Fundamental/technical/AAOIFI; backtests; save & share.
- News Analytics: EN/TR sources; entity sentiment; watchlist alerts.
- Purification & Zakat
- Automated Purification: Journal entries, donation receipts, audit logs.
- Zakat Assist: Asset‑aware calculator; reminders; charity partners.
- Payments & FundingFAST/EFT/transfers, QR payments; SWIFT for cross‑border; virtual IBAN per portfolio; scheduled investments.
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- APIsOrders, quotes, positions, corporate actions, screening, purification, zakat.
- WebhooksFills, corporate‑action events, compliance flags, AML alerts.
- DXSandbox with synthetic feeds, OpenAPI specs, SDKs (JS/Python), Postman.
- ScopesFine‑grained permissions for embedded fintech and bank channels.
Pricing:: JAIZ offers flexible pricing for both consumers and businesses — with a Basic plan that includes free screening, watchlists, delayed market data, and a zakat calculator; a Pro plan with advanced screeners, real-time data (where licensed), backtests, and Insights+ for a monthly fee in TRY; and Trading options featuring tiered domestic and global commissions plus an annual robo-advisory fee. For B2B, pricing is available per SaaS module (OMS/RMS, screening, purification, KYC, payments), through volume-based rates per active account, order, or AUM, and via enterprise packages offering white-label apps, dedicated clusters, and custom compliance.
Accessibility & Localization: JAIZ ensures accessibility and localization with a full English and Turkish UI, Arabic support for partner channels, and RTL-aware layouts where applicable; a WCAG 2.2-oriented design featuring keyboard navigation, screen-reader labels, adjustable text size, and high-contrast themes; inclusive onboarding with assisted KYC flows and plain-language summaries for complex topics; and a secure user experience that includes multi-factor authentication options, session-timeout warnings, clear consents, and data-download tools.
Legal & Disclaimers:JAIZ’s legal and disclaimers cover data privacy with clear disclosures, consent, and data-subject rights; risk disclosures noting that capital is at risk, past performance is no guarantee, and suitability and appropriateness checks apply; a summary and disclosure of conflicts of interest; best execution policies including venue lists and monitoring methodology; and a Shariah disclaimer stating that screening is rules-based, final responsibility rests with the investor, and purification guidance is provided as advice, not as tax counsel.
Participation Finance (Islamic Finance): Interest‑free financial framework.
Sukuk: Shariah‑compliant investment certificates.
Murabaha / Commodity Murabaha: Cost‑plus sale used for liquidity management.
Wakala: Agency‑based investment arrangement.
Participation Indices: BIST indices based on Islamic screens.
Takasbank / MKK: Türkiye’s CCP/custody and Central Registry.
MASAK: Türkiye’s AML/CFT authority.
IPO (Public Offering): Subscription process for newly listed shares.
JAIZ designs, licenses, and operates end-to-end brokerage and wealth platforms that are regulator-ready on day one, capital-efficient over time, and uncompromisingly Shariah-aligned. We deliver the architecture, permissions, and execution frameworks that enable cross-border, multi-asset access while satisfying both secular regulators and Islamic governance.
REGULATORY INFRASTRUCTURE LAYER
Cross-Jurisdiction Licensing: Türkiye CMB scopes (execution, arranging, advisory, discretionary management, custody) plus playbooks for FSRA, FCA, DFSA, ESMA/MiFID II, MAS, SEC/FINRA.
Conduct & Prudential Compliance: AML/CTF, sanctions, MAR/MAD, transaction reporting, conflicts of interest, risk appetite, RCSA.
Client Money & Asset Safeguarding: Segregation, daily reconciliations, shortfall resolution, custodian due diligence, GCC/EU/Asia custody models.
Automated Screening & Purification: AAOIFI engines, corporate-actions look-through, purification journals, and reporting.
Shariah Treasury: Wakala & commodity Murabaha liquidity programmes, sukuk portfolios, zakat utilities with nisab logic.
CAPITAL MARKETS
Execution LayerConnectivity: FIX 4.4/5.0, ITCH/OUCH, exchange/MTF/ATS links, Islamic liquidity venues, smart routing, DvP models.
Horizon Scanning: Continuous regulatory monitoring and change-management.
Clearing & Settlement: Prime broker/custodian integrations, ISO 20022/15022 SWIFT, corporate-actions lifecycle.
Trading Controls: OMS/RMS with pre-trade risk, limits, venue bans, post-trade surveillance, and best-execution monitoring.
TECHNOLOGY & DATA ARCHITECTURE LAYER
Core Trading: Event-sourced, multi-currency ledgers with <10ms latency.
Payments & On/Off-Ramps: SWIFT, FAST/EFT, PSPs, virtual IBANs, open banking, riba-free treasury.
Cloud-Native Delivery: Kubernetes, IaC, GitOps CI/CD, zero-trust IAM, encryption for PII.
Data & Analytics: Streaming pipelines, lakehouse architecture, ESG/Shariah datasets, ML governance.
OPERATIONAL RESILIENCE LAYER
Governance: Three Lines of Defence, Board Risk & Audit committees, internal audits.
BCP/DR: Multi-AZ/multi-region resilience, RPO/RTO metrics, disaster recovery drills.
Third-Party Risk: Onboarding, monitoring, SLAs, exit strategies.
FINANCIAL STRUCTURE LAYER
Revenue: Transparent commissions, fractional execution, premium analytics tiers, Wakala/Murabaha treasury returns.
Capital/Liquidity: Stress tests, concentration limits, collateral frameworks.
Controls: Three-way reconciliations, audit-ready documentation, IFRS compliance.
DEVELOPER & API ECOSYSTEM
Public & Partner APIs: Orders, quotes, positions, screening, purification, zakat.
Webhooks & SDKs: Compliance alerts, sandbox testing, delegated scopes.
SHARIAH METHODOLOGY & RESEARCH CENTER
Methodology: AAOIFI activity screens, financial ratios, quarterly reviews, annual assurance.
Research: Daily market notes, IPO analysis, sukuk monitors, sector & macro reports.
Tools: Purification calculator, zakat estimator, fatwa repository, education library.
Mission: Enable everyone to build wealth ethically, with tools professionals trust and beginners love.
Vision: Türkiye’s most trusted Islamic-finance platform — globally connected.
Values: Trust · Fairness · Transparency · Innovation.
Compliance Notice: Service availability depends on licensing and local regulations. Investing involves risk; capital is at risk. Shariah screening applies per disclosed methodology; final responsibility rests with the investor. Zakat and purification tools are for guidance only and do not constitute tax advice.
Phone: +90-555-145-6049
Email: merhaba@jaiz.com.tr