Tawarruq Automation
Over 15 years of experience managing low-to-high-end integration for Tawarruq-based platforms. Purchase, sale, agency and documentation run without manual intervention.
Truly Halal Banking · Patented Platform
Tawarruq in seconds,
Tawarruq in seconds,
Shariah-compliant every time.
As-Sidq is a patented digital commodity trading platform that automates Tawarruq (Commodity Murabahah) end to end, from purchase and sale to documentation and audit trail. It is built for financial institutions that need real-time, 24/7 execution without compromising on Shariah.
- RM205 bil+financing processed
- 5.38 mil+customers served
- 100+institutions onboard
Transaction executedCommodity Murabahah · 0.8s
24/7/365Real-time brokerage
Shariah endorsedBNM & AAOIFI guided
Collaborating with leading institutions & technology partners
0
years running
Tawarruq integrations
Tawarruq integrations
Traditional Tawarruq is slowing your financing book down.
Every Islamic personal financing, home financing or deposit product built on Commodity Murabahah depends on a chain of commodity trades. Done the old way, that chain is fragile, manual and expensive.
- ×Cut-off times & market hoursTrades wait for exchanges to open, so customers wait for their money.
- ×Price fluctuation & logisticsPhysical commodities move in price and carry storage, damage and delivery risk.
- ×Paper-heavy documentationManual aqad, sale confirmations and reconciliations invite errors and audit findings.
- ×Shariah sequencing riskOne out-of-order step can render a contract non-compliant and the profit impure.
From complexity to clarity. Instantly.
As-Sidq (Arabic for truthfulness) enables 24/7 digital commodity brokerage with automated documentation and real-time transaction tracking, giving your institution complete confidence and control over every Tawarruq contract.
Four Shariah-sequenced steps, fully automated
As-Sidq orchestrates every leg of the Commodity Murabahah in the correct order, with ownership, possession and transfer recorded at each stage.
-
01
Bank purchases commodity
Upon the customer's application, the bank buys a Shariah-compliant digital commodity from the broker at spot price, settled instantly.
-
02
Murabahah sale to customer
The bank sells the commodity to the customer at cost plus an agreed profit, payable on deferred terms. The aqad is generated and recorded automatically.
-
03
Customer sells via agent
Under wakalah, the customer appoints an agent to sell the commodity to a third-party buyer at spot price, executed in seconds.
-
04
Cash disbursed, audit ready
Sale proceeds are credited to the customer and every certificate, timestamp and ownership record is stored for audit and Shariah review.
Everything your Islamic finance operations need, in one platform
Real-time Transactions
Real-time Tawarruq trading for FSI partners with 24/365 execution and support availability. Disburse on weekends, public holidays and outside office hours.
Shariah-Compliant
Complies with Bank Negara Malaysia guidelines and is endorsed by the SEDANIA As Salam Capital appointed Shariah Committee.
Automated aqad & certificates
Live transaction tracking
Bank-grade security
Cloud-native & scalable
Full audit trail
Multi-product support
Digital commodities vs. non-digital commodities
As-Sidq trades intangible, fixed-price digital commodities, removing the friction and risk of physical metals and palm oil.
Features
Our Digital CommoditiesNon-Digital Commodities
Form
Intangible
Tangible
Price
Fixed
Fluctuates
Trading availability
24/7 availability
Depends on market availability
Transaction speed
Within seconds
Within minutes
Delivery*
Instant delivery
Requires logistics
Inventory risk (storage, damage, theft)
Low
High
*If the customer chooses to keep the commodity.
Proven at national scale
RM0bil+
Total worth of financing processed via the As-Sidq platform
0mil+
Customers who received truly halal banking facilities
0+
Financial services institutions served via As-Sidq
0/365
Real-time execution and support availability
*Figures as of 31 July 2026
Plug in your way, live in weeks, not months
Whether you run a modern core banking stack or a legacy system, As-Sidq meets you where you are.
API Integration
Integrate your system with ours via secure APIs for real-time or scheduled data exchange.
- Fully automated
- Reduces manual errors
Secured File Transfer (SFTP)
Transfer data files securely through our Secured File Transfer Protocol server.
- Automated transfer
- Secure file handling
- Best for batch processing
File Upload
Upload an Excel or CSV file through our web tool. Simple, user-friendly, no technical setup required.
- Simple interface
- No technical setup
Institutions that want to offer truly halal financing
Islamic banks & windows
Power personal, home and auto financing, plus Tawarruq-based deposits and treasury placements.
Cooperatives & credit providers
Launch Shariah-compliant financing for members and underserved communities without building a trading desk.
Digital banks & fintechs
Embed instant, API-driven Commodity Murabahah into digital journeys and BNPL products, 24/7.
Certified & audited by
Guided by
Imagine approving financing on a Sunday night
With As-Sidq, the commodity leg is never the bottleneck again. Your teams focus on customers and growth while the platform handles the trades, the paperwork and the proof.
- Faster disbursement and higher customer satisfaction
- Lower operational cost and fewer manual errors
- Clean, defensible audit and Shariah review trails
- Capacity to scale from hundreds to millions of contracts
100%
Shariah-compliant
digital Tawarruq
digital Tawarruq
Questions institutions often ask
What is Tawarruq (Commodity Murabahah)?
Tawarruq is a Shariah-compliant financing structure in which a bank purchases a commodity and sells it to the customer at cost plus profit on deferred payment (Murabahah). The customer then sells the commodity to a third party for cash. It is widely used for Islamic personal financing, home financing, deposits and liquidity management.
What makes As-Sidq different from other commodity platforms?
As-Sidq is a patented, fully digital platform trading fixed-price digital commodities. That means 24/7 availability, execution within seconds, instant delivery and low inventory risk, with automated documentation and real-time tracking built in.
Is As-Sidq Shariah-compliant and recognised by regulators?
Yes. As-Sidq complies with Bank Negara Malaysia guidelines, is guided by AAOIFI standards, is endorsed by the SEDANIA As Salam Capital appointed Shariah Committee, and is certified and audited by IBFIM, AFSHA and Masryef.
How do we integrate As-Sidq with our core banking system?
Choose the option that suits your setup: secure API integration for real-time or scheduled exchange, SFTP for automated batch processing, or a simple Excel/CSV upload through our web tool with no technical setup required.
Who can use As-Sidq?
Islamic banks and Islamic windows, development financial institutions, cooperatives, licensed credit providers, digital banks and fintechs. More than 100 financial services institutions already process transactions through As-Sidq.
Ready to automate your Islamic banking transactions?
Let's explore how As-Sidq can work for your institution. Call our specialists now, or book a personalised demo and integration walkthrough.
Call us now+603 4564 0908- A specialist responds within one business day
- Live walkthrough tailored to your products
- No obligation, no cost
Prefer email? info@sedaniaassalam.com
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Our As-Sidq specialist will contact you within one business day to confirm your demo. Need it sooner? Call +603 4564 0908.