Trust.
تعاون.
Growth.
"We don't check your account. We measure your community reliability." Replacing legacy finance with pure trust.
Trust Loop status
Community Pulse
LiveAmin B. joined "Tech Fund"
The Problem
A Massive Informal Economy, No Trust Infrastructure.
Millions already save and lend informally through community circles, but they face cash risk, no credit identity, and no transparent rails for charity or emergency support.
Our Wedge
Digitize behavior first, then unlock finance.
- • Digital Daret removes cash risk and default ambiguity.
- • Trust Score converts behavior into financial reputation.
- • Verified crowdfunding creates immediate platform revenue.
Why TaawunX Wins
Defensibility Built Into The Model.
Not just another fintech app. TaawunX compounds network trust, transaction data, and religiously aligned financial behavior into a durable moat.
Proprietary Trust Score
Underwriting based on reliability, not legacy credit bureaus.
Islamic-First UX
Built natively around Halal finance behaviors and community trust.
Retention Loops
Daret cycles, lending eligibility, and pools keep users engaged monthly.
B2B Expansion Path
Merchant payroll and treasury rails lock in daily transaction flows.
Execution Plan
Focused 36-Month Delivery, Then Regional Scale.
Now (0-6 months)
Digital Daret, Trust Score, Verified Crowdfunding
Pilot + behavioral data + first revenue
Next (6-18 months)
Qard Hassan, Takaful pool, Zakat automation
Retention + liquidity flywheel
Scale (18-36 months)
B2B treasury, impact card, SME micro-equity
Merchant lock-in + daily transaction moat
Trust & Compliance
Built for Regulators, Not Around Them.
- • Sharia governance layer and auditable product logic.
- • SATIM-ready payment architecture and KYC workflows.
- • Event logs and transaction traceability by design.
- • Incremental rollout from simulation to licensed rails.
Current Ask
Pilot partners, strategic advisors, and early-stage capital.
100% Halal.
Zero Riba.
TaawunX is built from the ground up to be Sharia-compliant. We replace the legacy financial model with community-driven equity and mutual aid.
Halal BNPL (Tamara DZ)
Zero competition in Maghreb. Merchant fee 2–4%.
Digital Zakat/Sadaqa
All charity is still cash/informal. Platform commission 2.5%.
Mosque SaaS
Digital Treasury Management software deployed to thousands of mosques.
Sukuk & Micro-investing
Halal equity and infrastructure crowdfunding.
The Amanah Guarantee
Every transaction is recorded on a transparent, immutable ledger. No hidden costs, no compounding debt, and absolutely no interest (Riba).
Call To Action
From Informal Trust To Sovereign Financial Infrastructure.
TaawunX starts with culturally native savings behavior, then compounds into lending, protection, commerce, and eventually cross-border Islamic financial rails.
Ecosystem Expansion.
From a simple Daret app to the digital sovereign treasury of the Islamic world.
Phase 1
TodayDigitize Daret
Launch alternative credit scoring and digital tontines for Algeria.
Phase 2
Month 6Halal P2P
Qard Hassan pools and SME Equity funding (Mudarabah).
Phase 3
Month 18Sukuk & Dinar
Fractional Sukuk investments and Gold-Pegged Dinar ledger.
Phase 4
Year 3Decentralized Awqaf
Sovereign Network and Micro-Wealth Fund for the Ummah.