Compliance
Our Shariah Compliance Policy.
Every listing on Aaysar is structured under a recognised Islamic finance contract and reviewed by an independent council of qualified scholars before it receives the Scholar Approved badge.
Permitted contracts
Musharakah
Joint equity partnership; profits and losses shared in proportion to capital and effort.
Mudarabah
Investor provides capital, entrepreneur provides labour; profits shared on a pre-agreed ratio.
Murabaha
Cost-plus sale of a tangible asset at a transparent, disclosed mark-up.
Salam
Forward purchase: full payment today for goods delivered at an agreed future date and specification.
Prohibited sectors
- ×Interest-bearing lending (riba) in any form
- ×Alcohol, tobacco, gambling, adult entertainment
- ×Conventional insurance and conventional banking
- ×Pork, non-halal meat processing, or related supply chains
- ×Speculative derivatives, short-selling, or gharar-heavy contracts
Scholar review
Submissions are reviewed for sector permissibility, contract structure, and revenue model. Listings only become public after at least one scholar approves; complex structures require a quorum. Reviews are documented and attached to the listing.
No custody of funds
Aaysar never holds, transfers, or escrows investor capital. All settlement happens directly between the investor and the business under the contract they agree upon.