One book, two disciplines
Conventional and Islamic financing run side by side on one ledger and one audit chain - a true dual-window operation without dual systems.
Modules · Lending & Credit
From application to payoff — conventional and Islamic.
Origination, servicing, collateral and credit exposure on one engine - with Islamic financing structures as first-class products, not relabelled loans.
What's inside
Capabilities, end to end.
- Origination. Application to disbursement with eligibility, scoring hooks and maker-checker approvals.
- Servicing. Schedules, repayments, early settlement, restructuring and delinquency handling.
- Collateral, guarantees & covenants. Register, valuations and haircuts, LTV monitoring, liens, guarantees and covenant tracking.
- Limits & exposure. Customer and group limits with real-time exposure against them.
- Islamic financing. Murabaha, Ijarah and Diminishing Musharaka with the correct asset-backed lifecycle.
- Explainable decisioning. AI-assisted scoring on the same data plane - every input auditable.
Risk that sees in real time
Exposure, collateral coverage and covenant status update as events happen - not at end of day.
See lending live.
Origination to restructuring - including the Islamic book - on a running platform.