Cloud-Native Core Banking without Compromise.

API-first, agentic AI platform powering core banking and embedded Islamic finance — modular, scalable, and Shariah-compliant by design.

Next-Gen Islamic Banking

Kea delivers an intelligent contract, compliance, and automation engine purpose-built for Islamic banking.

With an AI-first, cloud-native foundation, it helps banks and fintechs launch Shariah-compliant products faster,
automate decisioning, and stay audit-ready — without compromising compliance or control.

AI-Native, Cloud-Ready Core

Modular, scalable, and purpose-built for Islamic banking — now enhanced with AI agents that automate compliance, product orchestration, and data insights across your operations.

Configurable Islamic Products

Design, deploy, and automate products such as Murabaha, Ijarah, Mudarabah, and Qard Hasan with AI-assisted contract generation and validation. Easily adapt to new Shariah rulings or regional requirements in real time.

Operational Resilience

Mission-critical reliability for Islamic banking. AI continuously monitors transactions for anomalies, compliance breaches, or operational risks — ensuring uninterrupted, Shariah-aligned service delivery.

Microservices Architecture

Every component is modular, scalable, and resilient, allowing banks to adapt quickly to new markets and regulatory requirements without downtime.

Automated Execution

From asset purchase to leasing and profit-sharing, lifecycle events are handled by smart workflows and AI orchestration, ensuring instant, compliant execution of every transaction.

Next-Gen Islamic Banking

Kea delivers an intelligent contract, compliance, and automation engine purpose-built for Islamic banking.

 With an AI-first, cloud-native foundation, it helps banks and fintechs launch Shariah-compliant products faster, automate decisioning, and stay audit-ready — without compromising compliance or control.

AI-Native, Cloud-Ready Core

Modular, scalable, and purpose-built for Islamic banking — now enhanced with AI agents that automate compliance, product orchestration, and data insights across your operations.

Configurable Islamic Products

Operational Resilience

Microservices Architecture

Every component is modular, scalable, and resilient, allowing banks to adapt quickly to new markets and regulatory requirements without downtime.

Automated Execution

From asset purchase to leasing and profit-sharing, lifecycle events are handled by smart workflows and AI orchestration, ensuring instant, compliant execution of every transaction.

Trusted Islamic Products

Our platform offers a robust suite of features designed to empower Islamic financial institutions.
Experience seamless integration and compliance with our innovative solutions.

Ijara – Islamic leasing (rental-based)

Rent an asset through a Shariah-compliant lease. No interest, fixed rentals.

Murabaha – Cost-plus financing

The bank buys the asset first, takes ownership, then sells it to the customer at a disclosed profit, payable over fixed installments. Only halal assets allowed, no interest or compounding.

Qard Hassan – Interest-free lending

A compassionate, interest-free loan where the borrower repays only the exact amount received. No profit, no benefits, and no linked contracts — purely for halal, socially beneficial needs.

Waqf (Endowment)

A perpetual charitable endowment where the principal is preserved and only the returns are used for approved charitable purposes under Shariah.

Current Account (Wadīʿah yad al-ḍamānah)

A guaranteed custody account where the bank may use the funds but must return the full amount on demand. No profit is promised; Hibah may be given voluntarily.

Mushārakah & Diminishing Mushārakah (Partnership Financing)

A Shariah-compliant partnership where the bank and customer jointly own an asset or business and share profits and losses fairly. In the diminishing model, the customer gradually buys the bank’s share until full ownership is achieved.

Mudarabah (Unrestricted & Restricted)

A profit-sharing partnership where the customer provides capital and the bank invests as the manager. Profits are shared by a pre-agreed ratio, and losses are borne by the investor unless caused by negligence. In the restricted form, the investor specifies where and how funds may be invested.

Istisna (Manufacturing & Construction Financing) (الاستصناع)

A Shariah-compliant contract where the bank commissions a manufacturer to build a custom asset and sells it to the customer at an agreed price and delivery date. The bank assumes ownership and risk until delivery; payments may be deferred or milestone-based. Parallel Istisna uses two independent contracts to facilitate construction.

Salam (Forward Commodity Sale السلم)

A Shariah-compliant forward sale where the buyer pays the full price upfront for goods to be delivered later. Used for agricultural and commodity financing. Delivery must match agreed specs, and resale is only allowed after possession. Parallel Salam is permitted through a separate, independent contract.

Islamic Banking

Explore the infrastructure that powers Shariah-compliant banking — built for scale, compliance, and real-world performance.

Core Banking Platform

Digital Accounts & Cards

Mobile app experience

KYC & Fraud Prevention

Why kea for Islamic Banking

Empowering banks to deliver Shariah-compliant products faster, smarter, and more transparently through an AI-first, agentic core banking platform.

Why kea for Islamic Banking

Empowering banks to deliver Shariah-compliant products faster, smarter, and more transparently through an AI-first, agentic core banking platform.

Agentic Automation

Orchestrate complex financing workflows through autonomous AI agents from Murabaha contract generation to Shariah compliance validation reducing processing time from weeks to minutes.

Composable and automated

Launch, scale, and tailor Islamic banking products using a modular, API-first architecture designed for security, performance, and seamless integration across systems.Empowering banks to deliver Shariah-compliant products faster, smarter, and more transparently through an AI-first, agentic core banking platform.

Cloud-native resilience

Orchestrate complex financing workflows through autonomous AI agents from Murabaha contract generation to Shariah compliance validation reducing processing time from weeks to minutes.

Shariah-embedded contracts

Every product from Murabaha to Mudarabah, Ijarah, and Qard Hassan is digitally governed, validated, and auditable, ensuring transparency, authenticity, and trust in every transaction.

Kea brings together AI innovation and Shariah values.

We help banks and fintechs build modern Islamic banking experiences that stay true to their principles — ethical, transparent, and future-ready.