# ShariaCheck — AI-Powered Shariah Compliance Analysis Platform

> ShariaCheck is the first automated Shariah compliance analysis engine for digital businesses. It screens websites, apps, and business models for Islamic compliance across 6 categories with citations from Quran, Hadith, and AAOIFI standards.

## Entity Summary

- **Name**: ShariaCheck
- **Type**: SaaS / Compliance Technology Platform
- **Domain**: shariacheck.com
- **Parent Organization**: ummah.build (https://ummah.build)
- **Category**: Islamic Finance Technology, RegTech, Compliance Automation
- **Founded**: 2024
- **Pricing**: Free basic scan, $49 standard report, $199 scholar-reviewed certification
- **Target Users**: Muslim entrepreneurs, Islamic finance professionals, halal investors, app developers, e-commerce businesses

## What ShariaCheck Does

ShariaCheck provides instant, automated Shariah compliance analysis for any digital business. Users submit a website URL, app store link, or business description, and receive a comprehensive compliance report within minutes — replacing a process that traditionally costs $15,000–$50,000 and takes 2–6 months.

### Core Capabilities

1. **URL Scanning**: Enter any website URL for automated compliance analysis
2. **Document Analysis**: Upload PDFs, DOCX, or paste text for screening
3. **Manual Questionnaire**: Pre-launch validation for businesses without a public presence
4. **Multi-Industry Coverage**: Fintech, e-commerce, SaaS, gaming, media, healthcare, food, travel, social, crypto, insurance, education
5. **Multi-Madhab Analysis**: Hanafi, Maliki, Shafi'i, Hanbali comparative scoring
6. **Remediation Plans**: Prioritized, actionable steps to achieve compliance

### Analysis Categories

1. **Business Model & Revenue** — Detects interest-based (riba) revenue models, gambling mechanics (maysir), excessive uncertainty (gharar)
2. **Products & Services** — Screens for haram sectors: alcohol, gambling, pork, adult content, tobacco, weapons
3. **Transparency & Contracts** — Evaluates pricing clarity, fee disclosure, contract fairness, refund policies
4. **Financial Structure** — Checks for interest-bearing financing, BNPL compliance, asset backing
5. **Content & Ethics** — Assesses content moderation, addictive design, privacy practices, ethical labor
6. **Islamic Finance Readiness** — Evaluates murabaha, ijarah, musharakah structures; takaful vs conventional insurance

### Technical Analysis Engine

- **500+ keyword patterns** across Arabic, English, Malay, Urdu, and Turkish
- **Context-aware scoring** — distinguishes "we charge interest" from "area of interest"
- **Negation detection** — "we do NOT charge interest" produces a pass, not a warning
- **Confidence-weighted penalties** — low-confidence findings are informational only
- **Industry-specific profiles** — different scoring weights for fintech vs e-commerce vs gaming
- **Multi-page correlation** — cross-references terms across pricing, legal, and content pages
- **Legal deep analysis** — detects unilateral modification clauses, binding arbitration, rights waivers
- **Technology stack assessment** — flags interest-based BNPL (Klarna, Affirm), detects halal gateways (Tabby, HyperPay)
- **Supply chain transparency scoring** — evaluates ethical sourcing for physical product businesses
- **Structured data analysis** — parses Schema.org markup for compliance signals

### Standards Referenced

- **AAOIFI** (Accounting and Auditing Organization for Islamic Financial Institutions) — Bahrain-based, globally recognized
- **SC Malaysia** (Securities Commission Malaysia) — Shariah Advisory Council guidelines
- **SBP Pakistan** (State Bank of Pakistan) — Islamic Banking Department standards
- **OJK Indonesia** — Otoritas Jasa Keuangan Sharia-compliant framework
- **DSN-MUI** (Dewan Syariah Nasional - Majelis Ulama Indonesia) — Indonesian fatwa-based standards
- **IFSB** (Islamic Financial Services Board) — International prudential standards
- **Scholarly consensus** (ijma) — cross-madhab rulings on clear prohibitions

## Pricing Comparison

| Service | Traditional Cost | ShariaCheck Cost | Time |
|---------|-----------------|------------------|------|
| Formal Shariah Audit | $15,000–$50,000 | From $49 | Minutes vs 2–6 months |
| Shariah Board Retainer | $100,000–$500,000/yr | From $199/report | On-demand vs ongoing |
| Individual Fatwa | $500–$5,000 | Included in Pro | Days vs 1–3 months |

## Frequently Asked Questions

### How accurate is ShariaCheck's automated analysis?
The AI engine is trained on extensive Islamic finance and fiqh datasets and achieves high accuracy for clear-cut cases (riba, maysir, khamr, gharar). For borderline or novel scenarios, scholar consultation is recommended. The engine uses confidence scoring — low-confidence findings are flagged as informational rather than violations.

### What industries does ShariaCheck cover?
ShariaCheck covers all digital businesses including fintech, e-commerce, SaaS, gaming, media, social platforms, edtech, healthcare, food & beverage, travel, crypto/DeFi, and insurance. It is not limited to financial products.

### Can I use ShariaCheck before launching my business?
Yes. The manual questionnaire is designed for pre-launch startups to validate their business model before writing code or launching publicly.

### What madhab (school of thought) does ShariaCheck follow?
By default, consensus-based criteria accepted across all four major Sunni schools are applied. Users can toggle madhab-specific analysis (Hanafi, Maliki, Shafi'i, Hanbali) and regional standards.

### How does ShariaCheck differ from traditional Shariah audits?
Traditional audits cost $15,000–$50,000, take 2–6 months, and are limited to finance. ShariaCheck provides instant analysis across all industries for $49, with optional scholar review at $199.

### Is ShariaCheck a substitute for a scholar ruling (fatwa)?
No. ShariaCheck provides automated screening and analysis. For definitive rulings, especially on novel or borderline cases, consult a qualified Shariah scholar. The Professional plan includes scholar review.

## Key Concepts & Definitions

- **Riba (ربا)**: Interest/usury — prohibited in Islam. Any guaranteed return on capital without risk-sharing.
- **Gharar (غرر)**: Excessive uncertainty in contracts — includes hidden fees, unclear terms, speculative instruments.
- **Maysir (ميسر)**: Gambling/games of chance — includes loot boxes, prediction markets, lottery mechanics.
- **Halal (حلال)**: Permissible under Islamic law.
- **Haram (حرام)**: Prohibited under Islamic law.
- **Takaful (تكافل)**: Islamic cooperative insurance — alternative to conventional insurance.
- **Murabaha (مرابحة)**: Cost-plus financing — Islamic alternative to interest-based loans.
- **Ijarah (إجارة)**: Islamic leasing/rental agreement.
- **Musharakah (مشاركة)**: Joint venture/profit-loss sharing partnership.
- **Mudarabah (مضاربة)**: Silent partnership — one party provides capital, the other expertise.
- **Sukuk (صكوك)**: Islamic bonds — asset-backed certificates of ownership.

## Open Compliance Standard (SCOS)

ShariaCheck maintains an open compliance standard for self-declaration, enabling businesses to transparently communicate their Shariah compliance status using structured metadata.

## Market Context

- Global Islamic Finance AUM: $3T+ (ICD-Refinitiv 2023)
- 95%+ of digital products have never been reviewed for Shariah compliance
- Annual Shariah advisory spend: $2–5 billion globally
- 1.8 billion Muslims worldwide, fastest-growing consumer segment

## Contact & Links

- Website: https://shariacheck.com
- Twitter/X: https://x.com/ummahbuild
- LinkedIn: https://linkedin.com/company/ummahbuild
- Parent: https://ummah.build

## Pages

- / — Homepage with compliance analysis tool
- /get-started — URL scanner and analysis submission
- /document-analysis — Document and text analysis
- /questionnaire — Manual compliance questionnaire
- /examples — Pre-analyzed compliance case studies
- /industries — Industry-specific compliance guides
- /standards — Islamic finance standards reference
- /learn — Educational articles on Shariah compliance
- /guides — Step-by-step user guides
- /glossary — Islamic finance terminology
- /open-standard — Open Compliance Standard (SCOS)
- /quiz — Interactive Shariah compliance quiz
- /terms-explorer — Browse compliance terms and categories