One engine · many products

Product modules

Home finance is live. Personal, auto, and more are packs on the same platform — turn them on as the bank is ready. Shared front door, documents, policy, officers, and channels.

Modules on

Retail apps (demo)

Shared layers

Shared engine

Customer front door & brandDocuments · UAE Pass · OCRPolicy Studio (rules per product)Command Center & case auditOrigination channels & webhooksShariah trail (where needed)Partner / broker attribution

Ijarah home finance

Live in pilot

On for bank

Ready property · bank owns asset · customer leases to own

FTV, DBR, tenure, Shariah Ijarah pack

Docs: Emirates ID · Salary · Title / SPA · Bank statements

Forward Ijarah

Live in pilot

On for bank

Off-plan / under construction with milestone control

Construction milestones · progressive drawdown

Docs: Emirates ID · Salary · SPA · Developer schedule

Home Murabaha

Live in pilot

On for bank

Cost-plus sale where the bank offers this structure

Ownership before sale · disclosed profit

Docs: Emirates ID · Salary · Title · Cost sheet

Personal finance

Pilot-ready

On for bank

Full DBR pack · officer cases · delegated authority

DBR + income multiple + absolute caps · auto vs human authority

Docs: Emirates ID · Salary certificate · Bank statements · Liability letter

Auto finance

Building now

On for bank

Vehicle murabaha / ijara-style · asset = car

LTV on vehicle · dealer invoice · age of car

Docs: Emirates ID · Salary · Vehicle quote · Insurance quote

Goods Murabaha

Building now

Off

Cost-plus on approved goods (furniture, electronics, etc.)

Asset list · bank purchase then sale

Docs: Emirates ID · Salary · Merchant invoice

Islamic credit card

Roadmap

Off

Card origination with income and liability checks

Limit = income × multiplier · bureau

Docs: Emirates ID · Salary · Existing card statement

SME working capital

Roadmap

Off

Trade and working capital for SMEs (later pack)

Entity KYC · facility type · security

Docs: Trade license · Financials · Bank statements · UBOs

Home finance is production-depth. Personal and auto are live demo journeys while we deepen policy packs. Cards and SME stay roadmap until a bank asks for them.