A team that never sleeps.
Six specialized agents guide every deal — from finding your match to the final payment. Each owns one part. Each is overseen by real humans and qualified scholars. And not one of them charges a cent of riba.
Stage 1 — Match & Price
The Advisor الوكيل
Al-Wakīl · Match & Fair Pricing
- Pairs buyers and sellers from the community and recommends the right structure — Murabaha or Musawama.
- Checks the vehicle's live market value so the price is always fair.
- Proposes a fixed, fully-disclosed markup for your down payment and term — zero riba, zero guesswork.
Stage 2 — Contract & Sign
The Scribe الكاتب
Al-Kātib · Contract & Compliance
- Drafts the full contract on AAOIFI standards, tailored to your structure.
- Every draft is reviewed and approved by a qualified Shariah scholar — the AI writes, a human rules.
- Prepares a California-enforceable, ready-to-e-sign agreement in minutes, not weeks.
Stage 3 — Servicing & Care
The Steward الأمين
Al-Amīn · Payments & Care
- Tracks every payment, due date, and receipt, and sends friendly reminders before anything is late.
- If a payment slips, it arranges a fair, riba-free restructuring first — never a penalty, never compounding interest.
- Handles notices and, only as a true last resort, coordinates a compassionate repossession — always within Shariah.
Always on — Your Guide
The Concierge الرفيق
Ar-Rafīq · 24/7 Guidance
- Clear, guided answers to the most common halal-finance questions — any time, in plain language.
- Runs the payment estimator and a free VIN check with you, and explains every number.
- Takes a few basics and hands you straight to a real human on Telegram or email — no bots pretending to be people.
Live now — tap ‘How can we help?’ (bottom-right) for guided help any time.
Before you buy — Know the Car
The Inspector الفاحص
Al-Fāḥiṣ · Vehicle Truth
- Decodes the VIN into full specs, open safety recalls, crash ratings, and fuel cost.
- Checks live market value so both sides negotiate on the truth, not a guess.
- Flags anything that should be fixed or disclosed before a contract is signed.
Every deal — Verify & Record
The Auditor المُراقِب
Al-Murāqib · Compliance & Trust
- Runs continuous AAOIFI compliance checks on every structure, markup, and payment schedule.
- Keeps an immutable audit trail — who agreed to what, and when — so nothing is disputed later.
- Surfaces a plain-language compliance summary and flags anything for the scholar to review.
How they work together
One deal, handed cleanly down the line
The Concierge stays with you the whole way — answering questions and looping in a real human whenever you want one.
This is where we're headed.
Today, our founding team is the whole crew — handling every step personally. Join us and help build it.
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