Peer-to-Peer
Direct contracts between two parties. No intermediaries, no liquidity pools, no shared risk.
- One provider, one seeker
- Individual Murabaha contracts
- Terms set by you, not a pool
ZadFi
HALAL DEFI PROTOCOL
Halal Financing
Without Compromise
Peer-to-peer Murabaha financing. No Riba. No pools. No oracles. Direct contracts between providers and seekers of halal financing.
Riba-Free
Pure Murabaha Trade
P2P
Direct Contracts
Real Assets
Gold & Commodity Backed
100%
Shariah Compliant
Why ZadFi?
Why ZadFi?
Three structural choices make ZadFi a Murabaha protocol, not a yield market with Islamic vocabulary.
Shariah Compliant
Real Murabaha sale contracts following Islamic finance principles. Fixed markup, asset ownership transfer, and Council-reviewed token roles.
- No Riba (interest)
- No Gharar (uncertainty)
- Shariah Council-approved asset roles only
No Oracles
Providers set their own prices and collateral requirements. No reliance on external price feeds that can be manipulated.
- You set the sale price
- You set collateral
- Market decides
Four steps
How It Works
Provider Creates Offer
Set asset amount, sale price, duration, and collateral requirements.
Seeker Accepts
Browse offers and accept one that fits your needs. Lock collateral.
Pay Installments
Make monthly payments. Fixed amount, no surprises.
Complete or Default
Finish payments → get collateral back. Default → deterministic collateral split.
Architecture
Why No Oracle?
✕Traditional DeFi (With Oracle)
- Oracle says asset = market price
- Smart contract calculates collateral
- Oracle manipulated → EXPLOIT
- Flash crash → Liquidation cascade
✓ZadFi (No Oracle)
- Provider knows their cost: $20,000
- Provider wants 10% profit
- Provider sets salePrice: $22,000
- Market decides: seekers accept or reject
Shariah basis
Shariah Compliance
✓Why Murabaha is Halal
- Real Asset - Financing is tied to council-approved real assets
- No Interest - Fixed markup, known upfront
- Ownership Transfer - Asset belongs to buyer immediately
- No Uncertainty - All terms fixed and transparent
✕What We Avoid
- Riba (Interest) - No interest-bearing loans
- Gharar (Uncertainty) - No hidden terms
- Unapproved Tokens - Eligibility is decided by the Shariah Council
- Pooled Risk - Each contract is independent
| Aspect | Conventional Loan | Murabaha Sale |
|---|---|---|
| Nature | Debt | Sale |
| Price Setting | Market rates (variable) | Seller sets (fixed) |
| Asset Ownership | No transfer | Immediate transfer |
| Profit Source | Interest (Riba) | Trade margin |
Glossary
Arabic Terminology
العادل
Al-Adil
The Just - Provider
الطالب
At-Talib
The Seeker - Buyer
المرابحة
Murabaha
Sale with markup
الرهن
Ar-Rahn
Collateral/Pledge
الربا
Riba
Interest (forbidden)
الغرر
Gharar
Uncertainty (forbidden)
الحلال
Halal
Permissible
الحرام
Haram
Forbidden
Launch path
Roadmap
Q1 2026
Foundation
- ✓ Smart contracts deployed
- ✓ Internal security hardening
- ✓ Frontend MVP
- ✓ Internal Shariah compliance review
Q2 2026
Pre-Launch
- • Sepolia testnet deployment
- • WalletConnect integration
- • External security audit
- • Shariah Council formal certification
- • Launch readiness and ecosystem outreach
Transparency
Project Status
Smart Contracts
Testnet Ready
449 contract tests, 77 Certora rules, 26 proven invariants
Frontend
MVP Complete
300 unit tests, 31 indexer tests
Formal Verification
Formal Proofs
77/77 Certora rules verified, 26 invariants proven
Security
Hardened
Input validation, auth, CORS
Default settlement
Default settlement, step by step
01
Missed payments beyond grace period
02
Provider triggers on-chain default settlement
03
Debt coverage is calculated transparently
04
Surplus collateral is refunded to seeker
No penalty interest. Deterministic on-chain settlement.
Next step
Ready to Get Started?
Browse the marketplace to see available financing offers, or connect your wallet to create your own offer as a provider.