malfinance
SHARIA-COMPLIANT DIGITAL BANKING

Ethical finance for every Muslim worker in the UAE.

No minimum salary. No employer whitelist. No interest. Powered by WPS data and AI.

1
Apply in 5 minutes with your Emirates ID. No branch visit.
2
AI scores your WPS salary history. No AECB score needed.
3
Finance paid directly to your supplier. Disbursement under 24 hours.

FINANCE AT A GLANCE

Amount

AED 1K – 15K

Disbursement

Under 24 hrs

Min. salary

AED 3,000/mo

Processing fee

Zero

Sharia-compliant| UAE regulated| Zero fees
malfinance

Let's get started

Verified instantly via UAE WPS. No bank statement needed.

AED
Your data is encrypted and never shared. WPS verification only — no AECB credit score required.
malfinance

Choose finance type

Sharia-compliant. Paid directly to your provider — you never receive cash.

Device Finance
Murabaha (asset-backed)
Mal buys the asset at market price, sells to you at a fixed cost-plus margin. Supplier paid directly.
Asset-backed
Education Finance
Ijarah al-Khidmat (service-based)
Mal pays your university or course provider directly. Covers tuition and certifications.
Service-based
Travel / Hajj Finance
Ijarah al-Khidmat (service-based)
Mal pays your travel agency or Hajj operator directly. Repay after your journey.
Service-based
malfinance

Your application

Device Finance (Murabaha)

AED 5,000
AED 1,000AED 15,000

Estimated monthly installment

AED 483

Profit rate 16% reducing · Zero processing fee

First finance capped at 3× salary (AED 15,000) or AED 8,000, whichever is lower.
Contract summary
Finance typeMurabaha
AmountAED 5,000
Tenure12 months
Profit rate16% reducing
InstallmentAED 483
Processing feeAED 0
RepaymentWPS auto-deduction
DisbursementPaid to Sharaf DG directly
Late feesDonated to charity
malfinance

Reviewing your application

AI is checking your WPS data. Under 2 minutes.

WPS Salary Verified
3 consecutive months confirmed
Emirates ID Valid
Identity confirmed via ICP
DBR Calculated
28% of monthly salary
Risk Score Generated
AI scoring complete
Sharia Compliance
Reviewed by supervisory board
malfinance

Approved

Your finance is ready.

Sharia Certified Under 24 hrs
Approved amountAED 5,000
Monthly installmentAED 483
Profit rate16% reducing
Tenure12 months
StructureMurabaha
TypeDevice Finance
Processing feeAED 0
DisbursementPaid to Sharaf DG directly
Profit rate fixed at origination — will not change.
Late fees donated to charity. Repayment via WPS auto-deduction.
malfinance
A

Good morning, Ahmed

Your finance is active

Device Finance

Active

Next payment

24 Apr 2026

Amount

AED 483

30% repaid

Quick actions

Need help? In-app support is available 24/7.
Home
Finance
Profile
malfinance
A

Ahmed Al Rashidi

784-1990-1234567-8

Account details

Full name—
Emirates ID—
Nationality—
Employer—
Monthly salary—
Security & privacy
›
Notifications
›
Settings
›
Help & support
›
Home
Finance
Profile
malfinance

My Finance

Device Finance (Murabaha)

AED 5,000

Original finance amount

Remaining

AED 3,500

Installment

AED 483

Next payment

24 Apr 2026

Tenure

12 months

Repayment progress30% repaid
WPS Auto-Deduction16% reducing

WPS Salary Status

Next salary expected 28 Apr 2026. Installment deducted on salary date.

Credit Upgrade

3 more on-time payments to unlock a higher limit.

3 of 6 on timeNext: AED 7,500

Details

StructureMurabaha
DisbursementPaid to Sharaf DG
Late feesDonated to charity
RepaymentWPS auto-deduction
TypeDevice Finance
Home
Finance
Profile