--- title: "Interactive examples | IslamicOpenFinance™" description: "Widgets built from IslamicOpenFinance™'s own scenarios: notifications, murabaha, Shariah review, takaful, zakat and the market calendar." url: https://islamicopenfinance.com/examples/ lang: en-GB source: "IslamicOpenFinance" --- > Widgets built from IslamicOpenFinance™'s own scenarios: notifications, murabaha, Shariah review, takaful, zakat and the market calendar. # 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. All Islamic banks and windows Fintechs and developers Shariah boards and compliance Treasury and operations Takaful operators Zakat and social finance ## 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. Replay 1. **IslamicOpenFinance™ notifications** Layla H. 2 October 2026 `murabaha.instalment.due` Your instalment is due tomorrow SAR 527.50, 2 October 2026. Pay with one tap. App push fails, falls back SMS In-app Webhook - 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 Pay 2. **IslamicOpenFinance™ notifications** Bawsala Electronics `payment.settled` Funds arrived in your account SAR 6,000.00 for invoice INV-BW-07, the bank's asset purchase, via Bayyin Pay. App push In-app Webhook Email - Consent to transaction notifications - Preferred channel: app push - No quiet hours for payments - Machine copy for accounting: webhook 3. **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 push Email - Customer consent to notifications - Preferred channel: app push - Quiet hours 22:00 to 08:00 respected - Credited on the next business day 4. **IslamicOpenFinance™ notifications** Head of treasury `agent.action.requested` The treasury agent asks for approval Placement of SAR 4.8 M, Qantara → Sahel. Above the SAR 2 M limit. App push In-app Messenger - Recipient role: head of treasury - Policy: human approval above SAR 2 M - Response window: 4 hours, then escalation - Channels: app push and in-app Approve Reject 5. **IslamicOpenFinance™ notifications** Layla H. 4 October 2026 `consent.expiring` Account access consent is ending The budgeting app's access to your Sahel account 4 October 2026 ends. App push Email In-app - Three days before expiry - Preferred channel: app push - Quiet hours 22:00 to 08:00 respected - Second channel: email Renew 6. **IslamicOpenFinance™ notifications** Product team, Qantara `shariah.resolution.issued` Resolution issued for a product The Shariah board issued SSB-QNT-2026-014 with two conditions. App push SMS In-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 View Acknowledge 7. **IslamicOpenFinance™ notifications** Company treasury `balance.low` The operating account is low SAR 28 M; below the SAR 30 M minimum. Suggested: move funds from Qantara. App push Messenger Webhook - Threshold: SAR 30 M - Recipient: treasury team - Channels: team messenger and app push - Business day per the market calendar Move funds 8. **IslamicOpenFinance™ notifications** Investor `sukuk.subscription.closing` Sukuk subscription closes tomorrow Ijarah sukuk SK-2031 is 63% subscribed. Email App push - Consent to investment offers - Preferred channel: email - Quiet hours 22:00 to 08:00 respected - Business day per the capital-market calendar Subscribe How this widget is built **Demonstrates** [Customer notifications](https://islamicopenfinance.com/terminal/) **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](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/examples/): On the interactive examples page, with the rest of its scenario. - [/terminal/](https://islamicopenfinance.com/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. 1. Step 1 of 5 **Layla Haddad (demo)** Financier Request Requested 2. Step 2 of 5 **Financier** Bawsala Electronics (demo) Asset purchase The bank bought the asset (invoice) 3. Step 3 of 5 **Financier** Needs approval Ownership check Possession recorded The sale stays locked until the bank owns the asset. 4. 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. 5. Step 5 of 5 **Layla Haddad (demo)** Financier Instalments Business day per the market calendar Back Next Start again ##### Expected outcome - **Before the sale** The sale stays locked until the bank owns the asset. How this widget is built **Demonstrates** [Murabaha financing](https://islamicopenfinance.com/sectors/) **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](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/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. Inputs Cost price (SAR) Disclosed profit (%) Instalments ##### Results Sale price 6,330.00 SAR Each instalment 527.50 SAR ##### Expected outcome - **Before the sale** The sale stays locked until the bank owns the asset. How this widget is built **Demonstrates** [Murabaha financing](https://islamicopenfinance.com/sectors/) **Components** - Cost price - Disclosed profit - Instalments **Flow** Cost plus the disclosed profit gives the sale price; it is split into equal instalments. [Architecture diagram](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/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. Walk the chain 1. **Product team, Qantara** Product request Murabaha appliances product 2. **Platform** Structure and documents 3. **Platform** Conflict declarations Quorum and no conflicts 4. **Shariah Supervisory Board (demo)** Shariah compliance review 5. **Shariah Supervisory Board (demo)** Needs approval Board decision Approved, approved with conditions, returned, rejected 6. **Registry** Resolution recorded Resolution SSB-QNT-2026-014 recorded 7. **Registry** Product team, Qantara Conditions attached Late-payment amounts go to charity; ownership proof before every sale. 8. **Platform** Launch gate Launch stays locked until conditions are met 9. **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](https://islamicopenfinance.com/terminal/) **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](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/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. Run 1. Notified Omar Siddiqui (demo) AED 3,200.00 2. Documents Omar Siddiqui (demo) 3. Assessment Takaful operator Retakaful cession above AED 250,000 per claim (treaty, demo). 4. Approved Takaful operator 5. 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](https://islamicopenfinance.com/sectors/takaful/) **Components** - Participants' risk fund - Operator (wakalah fee) - Retakaful treaty **Flow** Notified, documents, assessment, approved, paid from the participants' risk fund. [Architecture diagram](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/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) Takaful operator Participants' risk 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](https://islamicopenfinance.com/sectors/takaful/) **Components** - Participant - Operator - Participants' risk fund **Flow** Who files, who assesses, which fund pays. [Architecture diagram](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/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. Inputs Cash and current accounts (MYR) Investment account balance (MYR) Trade goods at market value (MYR) Debts due now (MYR) Nisab (MYR) Rate set by the fund (%) ##### Results Net zakatable wealth 43,000.00 MYR Estimated zakat 1,075.00 MYR ##### Expected outcome - **Nisab** Set by the payer or the zakat authority How this widget is built **Demonstrates** [Zakat (illustrative)](https://islamicopenfinance.com/sectors/waqf-zakat/) **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](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/widgets.png) **Used on** - [/examples/](https://islamicopenfinance.com/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 1. 2 December 2026 National Day 22 Jumada al-Akhirah 1448 AH Calendar engine 2. 3 December 2026 National Day 23 Jumada al-Akhirah 1448 AH Calendar engine 3. 25 December 2026 Christmas Day 16 Rajab 1448 AH Calendar engine 4. 1 January 2027 New Year's Day 23 Rajab 1448 AH Calendar engine How this widget is built **Demonstrates** [Market calendar](https://islamicopenfinance.com/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](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/holiday-feeds.png) **Used on** - [/examples/](https://islamicopenfinance.com/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. `GET` Holidays `GET` Markets **Treasury desk** · Holidays of a market in a year ##### Request ``` GET /api/calendar/holidays?year=2026&market=sa ``` Send request ##### 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 } ``` How this widget is built **Demonstrates** [Calendar API](https://islamicopenfinance.com/calendar/) **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](https://github.com/Islamic-Open-Finance/website/blob/main/docs/diagrams/holiday-feeds.png) **Used on** - [/examples/](https://islamicopenfinance.com/examples/): On the interactive examples page, with the rest of its scenario.