Kea Engine

Seamlessly connect your bank or fintech to Shariah-compliant financial products through our API-first platform. Fast to integrate, secure by design, and aligned with regulatory standards.

Trusted by cool and established companies like yours

Overview

Kea engine enables regulated banks, fintechs, and financial institutions to plug directly into a full suite of Islamic-compliant products — from Murabaha and Qard Hasan to Mudarabah and Ijara — through a secure, standards-based API platform.

With flexible hosting, in-country data residency, and modern API architecture, we make it simple to launch Islamic finance products alongside your existing systems.

Problem

Islamic financial products are in demand, but the infrastructure powering them wasn’t built for Shariah from the start.

Shariah-by-Design

Most core systems assume conventional finance.
Islamic rules are bolted on later — resulting in:

Slow product launches
Manual and inconsistent compliance
Blurred Islamic vs. non-Islamic workflows
Limited auditability

Infrastructure Gap

There is no cloud-native financial infrastructure purpose-built for Islamic finance.
Banks and fintechs spend time rebuilding basics instead of shipping products.

The industry needs a secure, modular, API-first foundation where Shariah compliance is built in, not added on.

Solutions

Kea Engine provides a modern financial infrastructure built for Islamic finance from day one — with a dedicated Islamic ledger at its core.

Islamic Ledger All products run on a purpose-built Islamic ledger, ensuring every transaction follows Shariah principles by design.
End-to-End Auditability Every action is fully traceable, giving institutions clear, reliable audit trails for Shariah governance and regulatory reporting.
Continuous Shariah Monitoring All workflows and compliance rules are continuously validated in real time — ensuring operations always remain aligned with Shariah standards, not just at review time. Shariah Rules Built In Compliance is enforced at the infrastructure layer. Product rules, workflows, and contracts follow global Islamic finance standards out of the box.

We proudly serve a diverse ecosystem of
institutions and builders:

Shariah-Compliant by Design – Every product validated against Islamic finance rules.

Fast to Market – Launch in weeks, not months.

Secure & Compliant – Bank-grade authentication & audit trails.

Flexible Hosting – SaaS, bank-hosted, hybrid, or local data residency.

Set up in minutes. Scale
with confidence.

Set up in minutes. Scale with confidence.

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

01

Connect

Securely link your bank’s systems to Kea Engine via APIs.

02

Select Products

Choose from a library of Shariah-compliant offerings, validated by experts in Islamic Finance.

03

Offer to Customers

Deploy instantly through your existing channels and onboarding flows.

04

Manage with Ease

Track contracts, payments, and compliance reporting in one place.

Why Kea

We proudly serve a diverse ecosystem of regulated banks, fintechs, and financial institutions.

Shariah-certified — Every product reviewed by scholars and validated for compliance.
API-first — Designed for seamless integration with banks and fintech partners.
Data sovereignty by design – Host locally to meet in-country data residency requirements.
Scalable by default – Supports multiple branches, currencies, and geographies.
Bank-grade protection — Secure by design with advanced encryption, integrity-checked APIs, and real-time auditability

Kea Engine

Overview

Problem

Shariah-by-Design

Infrastructure Gap

Solutions

We proudly serve a diverse ecosystem of
institutions and builders:

Shariah-Compliant by Design – Every product validated against Islamic finance rules.

Fast to Market – Launch in weeks, not months.

Secure & Compliant – Bank-grade authentication & audit trails.

Flexible Hosting – SaaS, bank-hosted, hybrid, or local data residency.

Set up in minutes. Scale
with confidence.

Set up in minutes. Scale with confidence.

01

Connect

02

Select Products

03

Offer to Customers

04

Manage with Ease

Why Kea

We proudly serve a diverse ecosystem of regulated banks, fintechs, and financial institutions.

Hosting Options

We proudly serve a diverse ecosystem of institutions and builders

SaaS (Fully Managed)

Bank-Hosted

Hybrid Cloud

Local Data Residency

Go live with Shariah-compliant products — fast, secure, and compliant.

Kea Engine

Overview

Problem

Shariah-by-Design

Infrastructure Gap

Solutions

We proudly serve a diverse ecosystem of institutions and builders:

Shariah-Compliant by Design – Every product validated against Islamic finance rules.

Fast to Market – Launch in weeks, not months.

Secure & Compliant – Bank-grade authentication & audit trails.

Flexible Hosting – SaaS, bank-hosted, hybrid, or local data residency.

Set up in minutes. Scale with confidence.

Set up in minutes. Scale with confidence.

01

Connect

02

Select Products

03

Offer to Customers

04

Manage with Ease

Why Kea

We proudly serve a diverse ecosystem of regulated banks, fintechs, and financial institutions.

Hosting Options

We proudly serve a diverse ecosystem of institutions and builders

SaaS (Fully Managed)

Bank-Hosted

Hybrid Cloud

Local Data Residency

Go live with Shariah-compliant products — fast, secure, and compliant.

We proudly serve a diverse ecosystem of
institutions and builders:

Set up in minutes. Scale
with confidence.