Tawarruq Platform

A Shariah-compliant digital commodity trading platform that facilitates secure, real-time and anytime brokerage of digital commodities.

Product Overview

 The platform is cloud-based and API ready that integrates directly with your core banking systems through a 24/7 automated interface, including branchless operations with disbursement on a real-time basis. 


As-Sidq Tawarruq is able to accommodate three types of Islamic finance instruments based on Tawarruq; 


Meet the Market Leader




Telecommunication Airtime Credit


Total financing facilitated

Financial Institution partners


real-time commodity trading

Total applications processed

Why Us


Guaranteed Halal

Your financing products are ensured to uphold the Shariah requirements, as As-Sidq uses prepaid telecommunication airtime credit as the traded commodity


Digital Akad and Paperless

Go Greener with us.

All contracts and financing agreements are executed digitally via SMS or WhatsApp, between you and your customers while all financing applicants information will be stored in a Digital File


Integrated Trading Platform

Focused to minimize operational cost & human error by allowing a full integration while guaranteeing a Tawarruq trading Turn-around-Time (TAT) of less than 1 minute


A comprehensive and versatile dashboard for an easy reporting, auditing, data collection and management


Cloud Servers

Full flexibility in handling Tawarruq deposit transactions (24/7, 365 days trade availability at any amount)



Improve operation performance by reducing your workload by over 50% and increase loan processing by over 20%.

Every day and everywhere

Certified By

Regulated By

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.