ShariaCo Protocol — AAOIFI & Fiqh Technical Compliance Dossier (Teknik Fıkhi Uyumluluk ve Akıllı Kontrat Denetim Belgesi)
DOSSIER SC-SS09-SS39 · TECHNICAL FIQH & SMART CONTRACT AUDIT DOSSIER
Hizmet Abonelikleri (İcâre), İki Katmanlı Şer’i Süzgeç, Tekâfül ve Rehin Kasası
Fixed-period usufruct/service leasing (Ijarah al-Khadamat), automated lexical + AI Shariah screening, pro-rata cancellation (Kıstelyevm), and institutional risk shields.
Shariah Supervisory Registry
Independent SSB Sign-off: Scheduled / In Audit Registry
Registry ID: SC-SSB-2026-REG-01
Primary AAOIFI, OIC Fiqh Academy, and Mecelle mappings are enforced in smart contracts and gateway services. External board sign-off updates automatically from config/ssb-signoff.json.
Foundational Fiqh Maxim (Al-Qawa'id al-Fiqhiyyah)
الأَصْلُ فِي الْمُعَامَلَاتِ الإِبَاحَةُ وَالأُجْرَةُ مُقَابِلُ الْمَنْفَعَةِ
Al-aslu fi al-mu‘amalat al-ibahah wa al-ujratu muqabil al-manfa‘ah
The baseline in commercial transactions is permissibility, and rental/subscription compensation is earned strictly in exchange for delivered usufruct/service.
Executive Architectural Summary (EN)
Recurring digital, educational, and box subscriptions on Karma are structured under Ijarah al-Khadamat (service usufruct leasing, AAOIFI SS 9). Every merchant plan passes a mandatory two-layer Shariah filter (deterministic lexical screen + AI semantic screen) before creation, blocking gambling, alcohol, tobacco, interest-bearing finance, and illicit content. Subscribers can pause or cancel at any time without penalty, and mid-cycle plan upgrades are prorated to the exact day (Kıstelyevm). On the institutional layer, TakafulPool and RahnVault provide non-usurious first-loss and collateral protections.
Teknik Fıkhi Özet (TR — Tüketici & Mağaza Yüzeyi Karşılığı)
Karma üzerindeki tekrarlayan dijital, eğitim ve kutu abonelikleri İcâre (menfaat/hizmet kiralama, AAOIFI SS 9) akdine dayanır. Her abonelik planı satışa açılmadan önce iki katmanlı şer’i süzgeçten (deterministik kelime süzgeci + yapay zekâ bağlam denetimi) geçer; bahis, kumar, alkol, tütün ve faizli finans içerikleri reddedilir. Abone dilediği an ceza ödemeden aboneliğini dondurabilir veya dönem sonunda iptal edebilir; plan geçişlerinde kıstelyevm (gün bazlı mahsup) uygulanır.
Authoritative standards from AAOIFI, OIC International Islamic Fiqh Academy (IIFA), Mecelle-i Ahkâm-ı Adliyye, and TKBB Advisory Board principles.
Rental/subscription consideration (Ujrah) is payable for defined usufruct over a known period (month/year); if the period is terminated or upgraded, unearned usufruct is credited pro-rata.
Ücret (ücret/bedel), belirli bir dönem (ay/yıl) boyunca sunulan malum menfaat karşılığında hak edilir; plan değişikliğinde kullanılmayan günler kıstelyevm ile mahsup edilir.
SS 26: Tabarru‘ reserve absorbs first-loss defaults before Mudarabah capital is impaired. SS 39: Pledged collateral (Marhun) may be liquidated only up to the actual unpaid principal debt (seizeUpTo), returning any surplus to the pledgor.
SS 26: Teberru temelli Tekâfül havuzu, temerrüt zararını Mudaraba sermayesinden önce karşılar. SS 39: Rehin (Merhûn) yalnız ödenmeyen gerçek anapara borcu kadar nakde çevrilebilir (seizeUpTo); fazlası sahibine iade edilir.
Art. 405 & 450: In Ijarah, the benefit and rental period must be explicitly known. Art. 701: Rahn secures an established debt without forfeiting the entire pledge upon default (prohibition of Ghalq al-Rahn).
Md. 405 ve 450: İcârede menfaat ve müddet malum olmalıdır. Md. 701: Rehin yalnız sabit borç miktarınca mahsup edilir; rehnin tamamına el konulması (Galku’r-rehn) batıldır.
Direct line-by-line mapping between classical/contemporary Islamic commercial rulings and executable smart contract / gateway invariants.
| Fiqh Ruling | Standard Ref | Source File & Line | Solidity / Service Signature | On-Chain / Runtime Enforcement |
|---|---|---|---|---|
Two-Layer Shariah Plan & Cart Screening الرقابة الشرعية المسبقة | AAOIFI SS 9 §3/2 · SS 21 | app/services/subscription_catalog.py:48 · app/shariah/screener.py:19 | screen_plan_name(name, category) → POST /api/v1/shariah/screen | Blocks prohibited categories and covert gambling/riba terms with HTTP 422 SHARIAH_NON_COMPLIANT / SHARIAH_REJECTED before any plan or session is persisted. |
Pro-Rata Usufruct Accounting (Kıstelyevm) المحاسبة النسبية للمنفعة | AAOIFI SS 9 §7/1 · Mecelle Art. 450 | app/services/subscriptions.py:214 | change_plan(subscription_id, new_plan_id, expected_charge_try) | Credits unused days of the current paid period at period_value_try and charges only the net difference verified by the subscriber. |
Takaful First-Loss Mutual Guarantee (Tabarru‘) صندوق التكافل التعاوني | AAOIFI SS 26 §4 | src/TakafulPool.sol:52 | absorbDefault(uint256 tokenId, uint256 lossWad) / cover(uint256 wad) | Covers defaulted receivable principal from the dedicated Takaful reserve before MudarabahVault.writeOffPrincipal is invoked. |
Bounded Institutional Collateral (Ar-Rahn) الرهن المقيد بمقدار الدين | AAOIFI SS 39 §3/4 · Mecelle Art. 701 | src/RahnVault.sol:68 | lock(uint256 tokenId, address asset, uint256 amount) / release(uint256 tokenId) / seizeUpTo(uint256 tokenId, uint256 maxDebtWad) | Enforces non-forfeiture (La Yughlaq al-Rahn): seizeUpTo can claim at most the unpaid principal debt, automatically releasing excess collateral. (Note: Phase 1 retail consumers pledge zero collateral). |
Independent SSB Sign-off: Scheduled / In Audit Registry
This technical dossier documents the exact AAOIFI, OIC Islamic Fiqh Academy, and Mecelle rules compiled into the ShariaCo smart contracts. Independent Shariah Supervisory Board (SSB) wet-ink member sign-offs are scheduled in the audit registry (`config/ssb-signoff.json`).