Kea CoreX – Kea

Kea CoreX — The Agentic AI Layer for Islamic Banking

CoreX adds autonomous intelligence on top of our core banking platform — orchestrating contracts, assisting with Shariah rule checks, and enabling real-time governance and compliance.

Tools and technologies powering CoreX

Our Vision

Kea CoreX makes Islamic finance smarter and easier to run. It helps banks and fintechs manage everything from customer requests to contracts and ongoing monitoring — all while assisting with Shariah checks and keeping things compliant in real time.

CoreX sits as an intelligence layer above your systems, helping you launch and manage Islamic products faster, with clear oversight, transparency, and full peace of mind.

Built on the Kea Engine foundation, CoreX adds an agentic intelligence layer that reasons, validates, and executes Islamic-finance workflows automatically.
With flexible hosting, in-country data residency, and a cloud-native API architecture, you can launch, scale, and integrate Shariah-compliant products alongside existing systems with ease.

AI-Driven Orchestration. Built for Islamic Finance.

Set up fully compliant financing flows in minutes, powered by autonomous AI agents that reason, validate, and execute each step.

01 · Customer Intent → Intelligent Capture

Customers express goals naturally — e.g., “I want to buy a Toyota Corolla for £18,000.” CoreX understands the intent, rewrites it into a structured Murabaha request, and initiates the workflow automatically.

02 · Product Discovery & Offer Generation

The system finds verified assets, vendors, and pricing. It then calculates a Shariah-compliant profit margin and produces a transparent offer instantly.

03 · Contract Creation & Shariah Validation

AI agents help prepare the digital Murabaha or Ijarah contract. Before anything is approved, CoreX reviews the key terms against the major Shariah standards — including AAOIFI, local Shariah boards, and well-known Islamic-finance guidelines. It checks for things like real ownership, proper possession, clear profit disclosure, and making sure no riba is involved.

04 · Real-Time Approval & Audit Logging

Once validated, the contract is finalised, signed, and logged. All data events, reasoning, and AI decisions are recorded in an immutable Islamic ledger for audit readiness.

05 · Continuous Monitoring & Optimisation

After approval, CoreX keeps an eye on payments, timelines, and key compliance triggers. If anything unusual or off-track happens, the system automatically alerts the Shariah team and generates a simple digital report so issues can be reviewed quickly.

Problem

Islamic financing today is still manual, fragmented, and time-consuming.
Most banks rely on legacy workflows that require multiple teams, Shariah board reviews, and disconnected systems — turning a simple car financing or Murabaha request into a process that can take several months.

On top of that, each Islamic product often runs on its own disconnected workflow, creating delays and inconsistencies across the institution.

The result:

What Islamic finance needs now is speed, intelligence, and reliable Shariah-aligned automation.

Solutions

Kea CoreX transforms Islamic finance with intelligent, agentic automation — helping banks and fintechs move from slow, manual processes to fast, Shariah-aligned digital workflows.

From the moment a customer submits a request to contract generation, document checks, and reporting, CoreX keeps everything running smoothly, consistently, and in real time.

Here’s what CoreX delivers:
Agentic Automation — Smart AI agents handle financing workflows end-to-end, assisting with checks and executing routine steps instantly.
Shariah Support Built In — Key terms in every contract and transaction are checked against leading Shariah standards, including AAOIFI and local Shariah board guidelines.
Instant Orchestration — Requests, offers, contracts, payments, and updates are generated and routed automatically.
Audit-Ready Compliance — Clear logs and evidence for regulators and Shariah boards, available in seconds.
API-First Architecture — Easily connects to your existing systems or runs on top of Kea Engine with minimal integration effort.

With Kea CoreX, Islamic finance becomes faster, more consistent, and ready for the digital era — without losing trust, transparency, or Shariah integrity.