✦ ISLAMIC BANKING PLATFORM Master Catalog GitHub ↗

A SHARIAH-NATIVE CORE-BANKING LANDSCAPE · BIAN-STYLE SERVICE DOMAINS · FULLY ISOLATED

Banking without riba.
48 service domains,
built Shariah-first.

Not a conventional bank with renamed products — a landscape whose primitives are the Islamic contracts: profit-sharing Mudarabah instead of interest, cost-plus Murabaha instead of loans, Ijara leasing, Sukuk, Takaful, and a mandatory Shariah-governance layer. One microservice repository per domain.

48service domains
(one repo each)
5business areas
= 5 namespaces
0interest-bearing
constructs
0code shared with the
conventional platform
100%contract-tested
repos

01The principles, encoded

Four rules of Islamic finance shape every domain in this landscape — click each to see where it lives in the code.

02Conventional → Islamic mapper

Pick a conventional banking product. See the Shariah-compliant structure that replaces it, how it actually differs, and the repo that implements it.

03Service Domain Explorer

All 48 Shariah-native domains — searchable. Each row is its own isolated GitHub repository.

Service domainArea / domainPatternControl recordRepo

04Try the math — live

📈 Mudarabah profit distribution how savings earn without interest

The pool's actual profit is shared: the bank takes its agreed Mudarib share for managing the pool; the rest is distributed to account holders by weighted balances. No profit, no payout — that's the deal.

🏠 Murabaha schedule cost-plus sale, not a loan

The bank buys the asset and sells it to you at cost + disclosed markup. The total price is fixed at contract — installments never recompound, and late payment goes to charity, never to the bank.

🌙 Zakat estimator the obligatory levy the platform computes

Zakat applies at 2.5% on zakatable wealth held a lunar year, if it exceeds the nisab (≈ 85g gold).

05Total isolation, by construction

This landscape shares no code, no repos, no namespaces, no events with the conventional bian-platform. Mixing the two is impossible by accident:

ConventionalIslamic (this)
Repositoriessd-*isb-*
Java packagescom.bank.biancom.bank.islamic
Event topicsbian.*isb.*
K8s namespacesbian-*isb-*
Mesh identitypart-of: bian-platformpart-of: islamic-platform
Catalog · template · generatorownown, separate copies

06Run it yourself

Any domain, standalone, in 10s

git clone https://github.com/Sreenivas-Sadhu-Prabhakara/isb-murabaha-financing
mvn -f isb-murabaha-financing spring-boot:run
open http://localhost:8080/swagger-ui.html

The whole landscape from one catalog

git clone https://github.com/Sreenivas-Sadhu-Prabhakara/islamic-banking-platform
python3 islamic-banking-platform/generator/generate.py

Onto Kubernetes

kubectl apply -f islamic-banking-platform/platform-infra/namespaces.yaml
helm install isb-murabaha-financing \
  islamic-banking-services/isb-murabaha-financing/helm -n isb-financing

Quality bar in every repo

Per-repo OpenAPI + event contracts (api/) · a contract-test suite that fails the build when code and contract drift · Helm chart · CI on every push. Identical discipline to the conventional platform — independently applied.

07Islamic finance, explained

Plain answers to the questions behind the contracts — what makes each structure Shariah-compliant, and how it differs from its conventional counterpart.

What is Islamic (Shariah-compliant) banking?
Banking that complies with Shariah law. It prohibits riba (interest), excessive gharar (uncertainty) and financing of haram activities, and requires returns to come from real trade, assets or shared risk. This platform encodes those rules as 48 service domains whose primitives are the Islamic contracts — Murabaha, Mudarabah, Ijara, Sukuk, Takaful and more.
How is Murabaha different from a conventional loan?
In Murabaha the bank buys the asset and sells it to you at cost plus a disclosed markup. The total price is fixed at contract, so installments never recompound like interest, and late payment goes to charity rather than to the bank. A conventional loan instead lends money and charges interest that grows over time.
Is Mudarabah interest-free? How do savings earn a return?
Yes. Mudarabah is a profit-sharing partnership: you provide capital, the bank manages it, and the actual profit is shared by an agreed ratio. If the pool makes no profit there is no payout — returns come from real investment performance, not a guaranteed interest rate.
What is Sukuk — is it just an Islamic bond?
Not quite. A conventional bond is debt that pays interest. Sukuk represent undivided ownership in a tangible asset, project or venture, and holders earn a share of the returns those assets generate. Because risk and reward are tied to real assets, Sukuk are Shariah-compliant.
What is Takaful?
Takaful is Shariah-compliant cooperative insurance. Participants contribute to a shared pool used to compensate members who suffer loss; the fund is managed on a fee or profit-sharing basis and avoids interest and excessive uncertainty, unlike conventional insurance.
What is Zakat, and how is it calculated?
Zakat is an obligatory annual levy of 2.5% on zakatable wealth — cash, gold and investments — held for a lunar year, payable when that wealth exceeds the nisab threshold (about 85g of gold). The platform includes a live Zakat estimator plus dedicated Zakat calculation and distribution domains.
Is this a certified Shariah-compliant banking product?
No — it is an educational reference implementation in the BIAN service-domain style. Actual Shariah compliance of any real deployment requires certification by a qualified Shariah Supervisory Board. Standards referenced: AAOIFI, IFSB, IIFM.