Sanad
Shariah-Compliant Finance
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Shariah-Compliant Finance
A Shariah-compliant credit network that turns physical gold into on-chain notes — connecting 50,000+ Ar-Rahnu operators to global liquidity, with every loan auditable from vault to settlement.
The oldest collateral on earth has no modern liquidity layer. Sanad was built to change that.
Physical gold sits idle in homes and vaults. Borrowers need cash, but the collateral can't move — so the value just sleeps.
Ar-Rahnu operators depend on slow bank credit lines and local capital. Global investors who want to fund them have no channel.
Every pawn loan needs appraisal, custody, and repayment tracking. Today that paperwork is manual, opaque, and hard to audit.
Capital turnover
5×
vs. traditional bank lines
Cost of capital
30–40%
lower via global liquidity
Pawnshops & co-ops
50,000+
across emerging markets
Auditable on-chain
100%
every loan, every repayment
Sanad handles the complexity behind the scenes. You pledge gold, and liquidity flows.
Physical gold
Borrowers deposit gold at a verified Ar-Rahnu branch. Custody begins the moment the vault seal is applied.
Pawnshop verification
A verified pawnshop inspects the gold in person — verifying weight, karat, and purity — and appraises the collateral value.
SAG note
The custody certificate and appraisal are anchored to IPFS and minted as a SAG note on Creditcoin.
Cross-chain
Global investors supply liquidity. Repayment on Sepolia is verified cross-chain via the Attestcoin prover, then the note is burned.
Weight, purity, and live market price — with a Shariah-compliant haircut applied. Final valuation after physical assessment at the branch.
Register & ApplyG.01
Identity verification for every participant
G.02
Immutable history on Creditcoin, indexed to PostgreSQL
G.03
Automated daily profit calculation and distribution
G.04
Notes destroyed the moment a loan is repaid
G.05
Every appraisal, mint, and repayment recorded forever
G.06
Enterprise-grade encryption and access controls
| Risk | Mitigation |
|---|---|
| Ar-Rahnu default | Institutional repayment mandate enforced on-chain |
| Investor dissatisfaction | Transparent returns, daily profit visibility, secure payout |
| Token mismanagement | Burn upon settlement, immutable collateral history |
| Legal non-compliance | Centralized KYC + LegalOps review, regulatory policy engine |
"The process was incredibly smooth. I received financing for my business expansion within 24 hours of submitting my gold jewelry. The Shariah-compliant approach gave me peace of mind."
Ahmad Razif
Business Owner
"I was impressed by the transparency and professionalism. The AI valuation was fair, and I appreciated being able to track my gold's status through the token system."
Nurul Huda
Entrepreneur
"As someone who values both my jewelry collection and ethical financing, Sanad provided the perfect solution. The repayment terms were flexible and the service was excellent."
Tan Wei Ming
Jewelry Collector
Apply for Shariah-compliant financing — appraisal, tokenization, and funding on a transparent, auditable chain.