Shariah-Compliant Jewelry Financing
Secure, transparent, and ethical financing solutions backed by your valuable jewelry.
Why Choose Silsilat
Our financing model is based on ethical principles that ensure fair and transparent transactions without interest (riba).
We create a digital representation of your jewelry as a non-transferable NFT, ensuring security and transparency.
Our AI-powered appraisal system evaluates your jewelry quickly, allowing for fast financing decisions.
Calculate Your Financing
Use our calculator to estimate how much financing you can receive based on your jewelry's value.
Instant Estimation
Get an immediate estimate of your financing amount.
How It Works
Submit Application
Register and complete KYC verification with your ID and facial recognition.
Jewelry Submission
Upload images of your jewelry for AI-powered assessment and valuation.
Receive Offer
Get a financing offer based on your jewelry's value and create an NFT collateral.
Financing Disbursement
Accept the offer and receive funds in your Hedera wallet or bank account.
Repayment
Make repayments through multiple options including HBAR, stablecoins, or bank transfer.
Risk & Mitigation
| Risk | Mitigation |
|---|---|
| Ar Rahnu default | Institutional repayment mandate enforced |
| Investor dissatisfaction | Daily interest visibility, secure payout |
| Token mismanagement | Burn upon settlement, immutable history |
| Legal non-compliance | Centralized KYC + LegalOps review |
Investor Dashboard
Ar Rahnu Upload Portal
Process: Maker uploads → Checker approves → Tokens minted → Listed for investment
Compliance & Security
Institutional KYC
Comprehensive identity verification for all participants
Hedera Audit Logs
Immutable transaction history on Hedera network
Profit Auto-tracking
Automated daily profit calculation and distribution
NFT Burn After Completion
Automatic token and NFT destruction upon settlement
Immutable Transaction History
Permanent record of all transactions and operations
Multi-layer Security
Enterprise-grade security protocols and encryption
What Our Customers Say
"The process was incredibly smooth. I received financing for my business expansion within 24 hours of submitting my gold jewelry. The Shariah-compliant approach gave me peace of mind."
Ahmad Razif
Business Owner
"I was impressed by the transparency and professionalism. The AI valuation was fair, and I appreciated being able to track my jewelry's status through the NFT system."
Nurul Huda
Entrepreneur
"As someone who values both my jewelry collection and ethical financing, Silsilat provided the perfect solution. The repayment terms were flexible and the service was excellent."
Tan Wei Ming
Jewelry Collector
Ready to Get Started?
Apply for Shariah-compliant financing today and receive funds within 24 hours.
Apply Now