As-Sidq™, owned and operated by Sedania As Salam Capital Sdn Bhd, is a truly halal banking and finance platform.
At the core is a patented Shariah compliant digital commodity trading platform that facilitates secure, real-time and anytime brokerage of digital commodities for financial institutions’ Tawarruq (commodity murabahah) requirements.
Complimenting that, is a financial marketplace that serves as a consumer acquisition and content platform.

Meet the Market Leader


As-Sidq is a Tawarruq commodity trading system for Financial Institutions. As a one-stop solution, the system assists FSIs to market, identify and approve Islamic Financing. The trading systems can utilise telecommunication airtime credit as the trading commodity which makes the trade more accurate, real-time and independent of Bursa. The benefits include 24/7 and branchless operations with a disbursement time of under 10 minutes. Administrative operation time can be reduced by over 60% to approximately 3 man-hours per transaction.

As-Sidq is Sedania’s proprietary, patented software platform which is robust and scalable – with a proven track record of over RM37 billion accumulated transaction value.

The fully-Sharia compliant service, which is easily integrated into existing system and proceesses via API, is currently being utlilised by over 40 financial institutions in Malaysia. Of course, As-Sidq is also available as ready-plugin within our Digital Banking Hub.

Our Trading


Our web-based B2B trading platform allows 24/7 and branchless operation.

The solution integrates where required via API to your core banking system.

Our existing customers achieve an average operation performance improvement of over 25% in their respective departments.

Our platform was designed specifically for your Islamic banking teams with the aim to automise and optimise your banking operations.


Let our platform reduce your workload by over 50% and increase your loan processing by over 20%. Every day and everywhere.


Tawarruq Automation

10 years of experience in managing low to high end integration for tawarruq based platform


Real-time Tranx

Developed & customized real-time tawarruq trading capability for FI partners

Shariah Compliant

Overseen and certified by appointed shariah advisors and ANGKASA shariah Committee Council


Automated Platform

The As-Sidq Tawarruq platform was built to carry out financial financing transactions of client members automatically and efficiently



Financing transaction reports can be generated digitally and can be accessed by clients for audit and compliance purposes


Digital Akad

All contracts and financing agreements are executed digitally via SMS or WhatsApp, between our client and its customers


The platform was developed with adaptive features and is customisable to the process flows  and needs of the client



All financing applicants information will be stored in a Digital File and can be accessed securely at any time without printing issues


Cloud Servers

Our platform is hosted on the cloud, giving our clients the scalability and up-time it requires

Product Structure


Our financial marketplace place for consumers to find, match to and apply for financial products offered by our clients.

  • Match applicants with the suitable & eligible products

  • FI's will only receive quality applicants


The 24/7 commodity brokerage platform that is fully Shariah compliant for all types of financing products.

  • Modus operandi

  • Benefits for FSI


The 24/7 commodity brokerage platform that is fully Shariah compliant for factoring houses.

  • Modus operandi

  • Benefits for FSI


The 24/7 commodity brokerage platform that is fully Shariah compliant for all types of deposit products.

  • Modus operandi

  • Benefits for FSI


Our Shariah Advisors

Dr. Zaharuddin Abd Rahman is one of those Shariah scholars in Fiqh, Usul al-Fiqh and Fiqh Muamalat including Islamic Banking and Finance, he possess both strong academic research background and hands on Islamic finance application in the Islamic banks. He obtained his first degree in Usuluddin from University Malaya of Malaysia, Master degree in Fiqh and Usul Fiqh from Al-Yarmouk University, Jordan and PhD in Islamic Studies and Finance from University of Wales, United Kingdom.

Dr. Aznan Hasan was educated at the University of Al-Azhar, Egypt where he obtained a Bachelor in Shariah (Hons.) in 1994. He holds a Master in Shariah (First Class) from Cairo University, Egypt and a Ph.D from University of Wales, Lampeter, United Kingdom. Dr. Aznan Hasan is an Assistant Professor in Islamic law and the former Head of Islamic Law Department, Ahmad Ibrahim Kulliyyah of Laws, International Islamic University Malaysia. He teaches subjects such as Islamic Legal Theory, Islamic Commercial Law and Islamic Banking and Finance at both undergraduate and postgraduate levels.