Sukuk
Shariah-compliant certificates backed by real assets, paying a share of the returns those assets generate rather than interest.
What you can invest in
A range built on real assets
Every product is reviewed by our Shariah Committee before it is offered, and returns come from real economic activity rather than interest.
Shariah-compliant funds
Equity and multi-asset funds that invest only in companies passing Shariah screening.
Gold
Hold gold backed by physical metal, bought and sold at spot in line with Shariah rules on exchange.
Profit-sharing accounts
Investment accounts that share actual profits with you on agreed ratios, instead of paying a fixed interest rate.
Digital assets
Where suitable, include supported digital assets in your overall portfolio, held in the same account.
Private relationship
High-net-worth clients work with a dedicated relationship manager for planning and portfolio reviews.
Your portfolio
One view of everything you own
Investments sit beside your currency balances and supported digital assets, so you can see your whole position and how it is spread at a glance.
- Allocation across every asset type you hold
- Performance over the periods that matter to you
- Every fee and charge listed in plain figures
- Statements ready for your records and tax filing
Portfolio mix
Balanced profile
5asset types
- Sukuk40%
- Shariah funds30%
- Gold15%
- Currency balances10%
- Digital assets5%
Shariah screening
How an investment earns its place
Before any company, fund or sukuk is offered, it passes a set of Shariah checks. Those checks continue for as long as it is held.
Activity screen
Companies are excluded if their core business involves activities Shariah prohibits.
Financial screen
Holdings must stay within limits on debt and interest-based income.
Purification
Any small share of income from non-compliant sources is identified and given to charity.
Ongoing oversight
The Shariah Committee reviews products and holdings on a continuing basis, not only at launch.
Getting started
A plan that fits your life
Start with what you want your money to do, and build from there.
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Profile
Share your goals, time horizon and comfort with risk.
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Plan
Receive a suggested mix of Shariah-compliant assets that fits your profile.
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Invest
Fund the plan from your currency balances, with every cost shown first.
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Review
Track performance in the app and revisit the plan as your life changes.
Worth being clear about
Investing is not saving
Investments can help your money grow over time, but they work differently from a bank balance. Here is what to expect on both sides.
What you can expect from us
On every investment.
- Products reviewed by our Shariah Committee
- Costs and charges shown before you invest
- A suitability check against your goals and risk profile
- Regular statements and performance reports
What to keep in mind
Before you invest.
- Investments are not deposits and are not covered by deposit protection
- The value of investments can fall as well as rise
- Profit-sharing returns depend on actual performance and are not guaranteed
- Holdings in other currencies are affected by exchange rates
Who it is for
For every stage of wealth
Start small in the app, or work with a relationship manager as your wealth grows.
- First-time investors
- Professionals
- High-net-worth individuals
- Family offices
- Businesses with surplus funds
Product availability varies by market and investor eligibility. Past performance is not a reliable guide to future returns.
Invest with principles.
Open an account, set your goals, and build a Shariah-compliant portfolio from the app.