Interactive examples

Every widget on this page is built from IslamicOpenFinance™'s own scenarios: notifications, murabaha, Shariah review, takaful, zakat and the market calendar. Pick an audience. All institutions, people and amounts are fictional demonstration data; nothing here is a Shariah ruling.

Customer notifications

One event, the right route: consent, quiet hours, the market calendar and a fallback channel.

Notification centre

Eight events from the platform, each routed by its own rules; act on them as the recipient would.

For: Islamic banks and windows Fintechs and developers Treasury and operations

Eight events, as each recipient gets them

Demo data

You learn: How each event reaches the right person on the right channel, and what they can do with it. You can: Replay the feed and act on a notification as its recipient.

I
IslamicOpenFinance™ notifications Layla H.2 October 2026murabaha.instalment.due

Your instalment is due tomorrow
SAR 527.50, 2 October 2026. Pay with one tap.

App push fails, falls backSMSIn-appWebhook
- Customer consent to notifications
- Preferred channel: app push
- Quiet hours 22:00 to 08:00 respected
- Business day per the market calendar
- Fallback channel: SMS after 2 minutes
✓
IslamicOpenFinance™ notifications Bawsala Electronicspayment.settled

Funds arrived in your account
SAR 6,000.00 for invoice INV-BW-07, the bank's asset purchase, via Bayyin Pay.

App pushIn-appWebhookEmail
- Consent to transaction notifications
- Preferred channel: app push
- No quiet hours for payments
- Machine copy for accounting: webhook
✓
IslamicOpenFinance™ notifications Layla H.takaful.claim.paid

Your takaful claim was paid
AED 3,200.00 from the participants' risk fund, claim CLM-5521.

App pushEmail
- Customer consent to notifications
- Preferred channel: app push
- Quiet hours 22:00 to 08:00 respected
- Credited on the next business day
!
IslamicOpenFinance™ notifications Head of treasuryagent.action.requested

The treasury agent asks for approval
Placement of SAR 4.8 M, Qantara → Sahel. Above the SAR 2 M limit.

App pushIn-appMessenger
- Recipient role: head of treasury
- Policy: human approval above SAR 2 M
- Response window: 4 hours, then escalation
- Channels: app push and in-app
⏳
IslamicOpenFinance™ notifications Layla H.4 October 2026consent.expiring

Account access consent is ending
The budgeting app's access to your Sahel account 4 October 2026 ends.

App pushEmailIn-app
- Three days before expiry
- Preferred channel: app push
- Quiet hours 22:00 to 08:00 respected
- Second channel: email
§
IslamicOpenFinance™ notifications Product team, Qantarashariah.resolution.issued

Resolution issued for a product
The Shariah board issued SSB-QNT-2026-014 with two conditions.

App pushSMSIn-app
- Recorded against the product before launch
- App push and email together
- Launch stays locked until conditions are met
- Business day per the market calendar
↓
IslamicOpenFinance™ notifications Company treasurybalance.low

The operating account is low
SAR 28 M; below the SAR 30 M minimum. Suggested: move funds from Qantara.

App pushMessengerWebhook
- Threshold: SAR 30 M
- Recipient: treasury team
- Channels: team messenger and app push
- Business day per the market calendar
S
IslamicOpenFinance™ notifications Investorsukuk.subscription.closing

Sukuk subscription closes tomorrow
Ijarah sukuk SK-2031 is 63% subscribed.

EmailApp push
- Consent to investment offers
- Preferred channel: email
- Quiet hours 22:00 to 08:00 respected
- Business day per the capital-market calendar

How this widget is built

Demonstrates

Customer notifications

Components

Notification rules: consent, quiet hours, market calendar
Channels: app push, SMS, email, messenger, in-app, webhook
Fallback channel

Flow

An event is matched to its recipient and rules, then sent on the allowed channels; a failed channel falls back. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.
/terminal/: The terminal's notify view routes each of these events across channels on a phone mock (data.notify, exported by kit widgets build).

Murabaha

Own, then sell

MUR-84722, Layla Haddad

The sale stays locked until the bank owns the asset.

For: Islamic banks and windows Fintechs and developers

Own, then sell

Demo data

You learn: Why the sale stays locked until the bank owns the asset. You can: Step through the sale.

Step 1 of 5
Layla Haddad (demo) Financier

Request
Requested
Step 2 of 5
Financier Bawsala Electronics (demo)

Asset purchase
The bank bought the asset (invoice)
Step 3 of 5
FinancierNeeds approval

Ownership check
Possession recorded
The sale stays locked until the bank owns the asset.
Step 4 of 5
Financier Layla Haddad (demo)Allowed

Murabaha sale
Cost and profit disclosed
Sold at SAR 6,330.00 (cost SAR 6,000.00 + disclosed profit SAR 330.00); 12 instalments scheduled on business days.
Step 5 of 5
Layla Haddad (demo) Financier

Instalments
Business day per the market calendar

Expected outcome

Before the sale The sale stays locked until the bank owns the asset.

How this widget is built

Demonstrates

Murabaha financing

Components

Ownership record (invoice, possession)
Sale lock until ownership
Instalment schedule on business days

Flow

Request, asset purchase, ownership check, sale at disclosed cost plus profit, instalments. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Murabaha price and instalments

Demo data

You learn: How the sale price and each instalment follow from the cost and the disclosed profit. You can: Change the cost, the profit and the number of instalments.

Expected outcome

Before the sale The sale stays locked until the bank owns the asset.

How this widget is built

Demonstrates

Murabaha financing

Components

Cost price
Disclosed profit
Instalments

Flow

Cost plus the disclosed profit gives the sale price; it is split into equal instalments. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Shariah review

Request to resolution

Murabaha appliances product

Resolution SSB-QNT-2026-014 recorded

For: Shariah boards and compliance Islamic banks and windows

Chain of approval, request to launch

Demo data

You learn: Which link in the chain approves a product, and what keeps the launch locked. You can: Walk the chain from request to launch gate.

Product team, Qantara

Product request
Murabaha appliances product
Platform

Structure and documents
Platform

Conflict declarations
Quorum and no conflicts
Shariah Supervisory Board (demo)

Shariah compliance review
Shariah Supervisory Board (demo)Needs approval

Board decision
Approved, approved with conditions, returned, rejected
Registry

Resolution recorded
Resolution SSB-QNT-2026-014 recorded
Registry Product team, Qantara

Conditions attached
Late-payment amounts go to charity; ownership proof before every sale.
Platform

Launch gate
Launch stays locked until conditions are met
Shariah Supervisory Board (demo)

Internal Shariah audit plan

Expected outcome

Statuses Approved, approved with conditions, returned, rejected

How this widget is built

Demonstrates

Shariah governance workflow

Components

Product request
Conflict declarations
Shariah Supervisory Board decision
Resolution registry
Launch gate

Flow

Request to resolution: the board decides with quorum and no conflicts; the resolution and its conditions gate the launch. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Takaful

Contribution to claim to surplus

A motor claim paid from the participants' risk fund

The risk fund belongs to the participants; the shareholders' fund is the operator's and stays separate.

For: Takaful operators

Contribution to claim to surplus

Demo data

You learn: A takaful claim is paid from the participants' fund, not the operator's. You can: Run the claim through its stages.

Notified
Omar Siddiqui (demo)
AED 3,200.00
Documents
Omar Siddiqui (demo)
Assessment
Takaful operator
Retakaful cession above AED 250,000 per claim (treaty, demo).
Approved
Takaful operator
Paid from the risk fund
Participants' risk fund
AED 3,200.00

Expected outcome

Funds If the risk fund ran short, the operator would lend to it as qard, repaid from future surpluses.
Surplus Surplus at year end is distributed only as the fund's rules and its Shariah board allow; it is never guaranteed.

How this widget is built

Demonstrates

Takaful claims

Components

Participants' risk fund
Operator (wakalah fee)
Retakaful treaty

Flow

Notified, documents, assessment, approved, paid from the participants' risk fund. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Who holds what

Demo data

You learn: Who holds what in a takaful model. You can: Switch between the participant, the operator and the fund.

Omar Siddiqui (demo)

Participant

Does

Notified
Documents

Omar Siddiqui (demo) Takaful operator: Notified

Participants' risk fund Omar Siddiqui (demo): Paid from the risk fund

Takaful operator

Operator wakalah fee

Does

Assessment
Approved

Omar Siddiqui (demo) Takaful operator: Notified

Participants' risk fund

Funds

Does

Paid from the risk fund

Participants' risk fund Omar Siddiqui (demo): Paid from the risk fund

How this widget is built

Demonstrates

Takaful claims

Components

Participant
Operator
Participants' risk fund

Flow

Who files, who assesses, which fund pays. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Zakat

Illustrative estimate

Zakat estimate (illustrative)

Illustrative only, not a fatwa. The payer or the zakat authority decides the nisab, the method and what counts; ask your scholar.

For: Zakat and social finance

Calculator

Demo data

You learn: How an illustrative zakat estimate is built, and that the nisab and method are the payer's or the zakat body's to decide. You can: Enter holdings, debts and the nisab your zakat body publishes.

Expected outcome

Nisab Set by the payer or the zakat authority

How this widget is built

Demonstrates

Zakat (illustrative)

Components

Zakatable holdings
Nisab from the payer or the zakat body
Rate set by the fund

Flow

Holdings less debts due give net wealth; above the nisab, the rate applies. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Market calendar

Hijri (Umm al-Qura) and Gregorian dates, holidays and business days per market, from the same engine as the public API.

Upcoming market holidays

The next public holidays across three markets, as the calendar API answers them on the build date.

For: Treasury and operations Fintechs and developers Islamic banks and windows

Holidays ahead

Calendar engine

You learn: Which market holidays come next across the Gulf and Malaysia. You can: Read the dates in order; they are the engine's answers.

As of 1 October 2026

2 December 2026
National Day
22 Jumada al-Akhirah 1448 AH
Calendar engine
3 December 2026
National Day
23 Jumada al-Akhirah 1448 AH
Calendar engine
25 December 2026
Christmas Day
16 Rajab 1448 AH
Calendar engine
1 January 2027
New Year's Day
23 Rajab 1448 AH
Calendar engine

How this widget is built

Demonstrates

Market calendar

Components

The kit's market calendar engine
Holiday rules per market with sources
Umm al-Qura Hijri dates

Flow

The engine answers holidays per market on the build date; predicted Islamic holidays stay marked until announced. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Calendar API

Calendar engine

You learn: What the calendar API's holidays and markets endpoints return. You can: Pick a request and send it.

Treasury desk · Holidays of a market in a year

Request

GET /api/calendar/holidays?year=2026&market=sa

Response `200`

{
  "holidays": [
    {
      "hijri": "5 Ramadan 1447 AH",
      "iso": "2026-02-22",
      "market": "sa",
      "predicted": false,
      "source": "https://saudipedia.com/en/official-holidays-in-saudi-arabia",
      "title": "Founding Day"
    },
    {
      "hijri": "1 Shawwal 1447 AH",
      "iso": "2026-03-20",
      "market": "sa",
      "predicted": true,
      "source": "https://saudipedia.com/en/official-holidays-in-saudi-arabia",
      "title": "Eid al-Fitr"
    },
    {
      "hijri": "10 Dhu al-Hijjah 1447 AH",
      "iso": "2026-05-27",
      "market": "sa",
      "predicted": true,
      "source": "https://saudipedia.com/en/official-holidays-in-saudi-arabia",
      "title": "Eid al-Adha"
    },
    {
      "hijri": "12 Rabi al-Thani 1448 AH",
      "iso": "2026-09-23",
      "market": "sa",
      "predicted": false,
      "source": "https://saudipedia.com/en/official-holidays-in-saudi-arabia",
      "title": "Saudi National Day"
    }
  ],
  "year": 2026
}

Treasury desk · Markets, weekends and settlement cycles

Request

GET /api/calendar/markets

Response `200`

{
  "markets": [
    {
      "id": "sa",
      "name": "Saudi Arabia",
      "settlement": null,
      "sources": [
        {
          "title": "Saudipedia: Official holidays in Saudi Arabia (weekend, Founding Day, National Day, Eid rules)",
          "url": "https://saudipedia.com/en/official-holidays-in-saudi-arabia"
        }
      ],
      "status": "partial",
      "weekend": [
        5,
        6
      ]
    },
    {
      "id": "ae",
      "name": "United Arab Emirates",
      "settlement": null,
      "sources": [
        {
          "title": "u.ae: Public holidays (public and private sectors); Cabinet Resolution No. 27 of 2024",
          "url": "https://u.ae/en/information-and-services/public-holidays-and-religious-affairs/public-holidays"
        },
        {
          "title": "Abu Dhabi Media Office: weekend becomes Saturday–Sunday (from 1 January 2022)",
          "url": "https://www.mediaoffice.abudhabi/en/government-affairs/abu-dhabi-government-adopts-changing-weekly-work-system-to-make-the-weekend-saturday-sunday-and-friday-half-working-day/"
        }
      ],
      "status": "verified",
      "weekend": [
        {
          "days": [
            6,
            0
          ],
          "from": "2022-01-01"
        },
        {
          "days": [
            5,
            6
          ]
        }
      ]
    },
    {
      "id": "bh",
      "name": "Bahrain",
      "settlement": null,
      "sources": [
        {
          "title": "Central Bank of Bahrain: Official Bank Holidays",
          "url": "https://www.cbb.gov.bh/official-bank-holidays/"
        }
      ],
      "status": "verified",
      "weekend": [
        5,
        6
      ]
    },
    {
      "id": "qa",
      "name": "Qatar",
      "settlement": null,
      "sources": [],
      "status": "unverified",
      "weekend": [
        5,
        6
      ]
    },
    {
      "id": "kw",
      "name": "Kuwait",
      "settlement": null,
      "sources": [],
      "status": "unverified",
      "weekend": [
        5,
        6
      ]
    },
    {
      "id": "om",
      "name": "Oman",
      "settlement": null,
      "sources": [
        {
          "title": "Royal Decree 88/2022 determining the official holidays (English text, Decree.om)",
          "url": "https://decree.om/2022/rd20220088/"
        },
        {
          "title": "Royal Decree 15/2025 moving National Day to 20–21 November (English text, Decree.om)",
          "url": "https://decree.om/2025/rd20250015/"
        }
      ],
      "status": "verified",
      "weekend": [
        5,
        6
      ]
    },
    {
      "id": "my",
      "name": "Malaysia (Kuala Lumpur)",
      "settlement": null,
      "sources": [
        {
          "title": "Bank Negara Malaysia: holidays observed by the BNM Head Office, Kuala Lumpur",
          "url": "https://www.bnm.gov.my/upcoming-events"
        }
      ],
      "status": "partial",
      "weekend": [
        6,
        0
      ]
    },
    {
      "id": "id",
      "name": "Indonesia",
      "settlement": null,
      "sources": [],
      "status": "unverified",
      "weekend": [
        6,
        0
      ]
    },
    {
      "id": "pk",
      "name": "Pakistan",
      "settlement": null,
      "sources": [
        {
          "title": "Pakistan Stock Exchange: calendar holidays",
          "url": "https://www.psx.com.pk/psx/exchange/general/calendar-holidays"
        }
      ],
      "status": "verified",
      "weekend": [
        6,
        0
      ]
    },
    {
      "id": "uk",
      "name": "United Kingdom (England and Wales)",
      "settlement": {
        "scope": "securities",
        "source": "https://www.gov.uk/government/publications/accelerated-settlement-t1",
        "t": 2
      },
      "sources": [
        {
          "title": "GOV.UK bank holidays (England and Wales)",
          "url": "https://www.gov.uk/bank-holidays.json"
        },
        {
          "title": "HM Treasury: Accelerated Settlement (T+1)",
          "url": "https://www.gov.uk/government/publications/accelerated-settlement-t1"
        }
      ],
      "status": "verified",
      "weekend": [
        6,
        0
      ]
    }
  ]
}

How this widget is built

Demonstrates

Calendar API

Components

/api/calendar (public, read-only)
OpenAPI 3.1 contract

Flow

Requests come from the API's OpenAPI document; each response shown is the data field of the engine's answer on the build date. Architecture diagram

Used on

/examples/: On the interactive examples page, with the rest of its scenario.

Interactive examples

Customer notifications

Notification centre

Eight events, as each recipient gets them

Murabaha

MUR-84722, Layla Haddad

Own, then sell

Expected outcome

Murabaha price and instalments

Results

Expected outcome

Shariah review

Murabaha appliances product

Chain of approval, request to launch

Expected outcome

Takaful

A motor claim paid from the participants' risk fund

Contribution to claim to surplus

Expected outcome

Who holds what

Omar Siddiqui (demo)

Takaful operator

Participants' risk fund

Zakat

Zakat estimate (illustrative)

Calculator

Results

Expected outcome

Market calendar

Upcoming market holidays

Holidays ahead

Calendar API

Request

Response `200`

Request

Response `200`

Customer notifications

Notification centre

Murabaha

MUR-84722, Layla Haddad

Expected outcome

Results

Expected outcome

Shariah review

Murabaha appliances product

Expected outcome

Takaful

A motor claim paid from the participants' risk fund

Expected outcome

Omar Siddiqui (demo)

Takaful operator

Participants' risk fund

Zakat

Zakat estimate (illustrative)

Results

Expected outcome

Market calendar

Upcoming market holidays

Request

Response 200

Request

Response 200

Response `200`

Response `200`