Murabaha NFT & Smart Escrow Flow
Order & ZK-ID
Fixed-price demand; zero PII
Regime Gate
FX check and AAOIFI screening
Receivable Note
ERC-721 Murabaha NFT minted
Defect Escrow
Merchant settlement after window
Standard: Murabaha14-Day Escrow Shield
Takaful & Gharamah Engine
Installment Inflow
Monthly repayments flow to vault
Takaful Shield
Defined on the contract; closed in the product
Deterrence Penalty
Defined on the contract; closed in the product
100% to Charity
Zero profit; direct to verified NGOs
Standard: Gharamah100% to Verified Charities