An independent registrar of a member-funded, interest-free lending pool — a technology of Fotoh, Inc. Open to all.
Qardon.org is the registrar for a community lending pool that lends without interest, borrows without interest, and catches members when calamity strikes — it keeps the record and moves money only on each member's own instruction; it never holds the money itself. Members lend what they can — even $10 a month qualifies. Members borrow when they need to. The pool sustains itself through mutual lending and halal investment yield.
We are the alternative to the interest-based debt cycle. We are open to Muslims and non-Muslims alike. The mechanism is community-anchored; the participation is universal.
For roughly 1,300 years, communities ran institutions called Bait al-Mal — community treasuries that lent without interest, supported those in calamity, and operated on the yield of their own endowment. There were no premiums. No carriers. No usury. There was just a pool, a trustee, and a community.
During the era of Umar bin Abdulaziz, the pool grew so abundant that it became hard to find recipients who needed it. That was the proof of concept — and the historical reference for what we're rebuilding now, in software, at internet scale, open to everyone.
We use modern technology — member-owned accounts, USDC, KYC, audited financials, halal-screened investments — to recreate the same mechanism. The principles haven't changed. The infrastructure has.
For anyone who chooses to endow property — we provide the legal documentation, the Islamic inheritance (mawarith) calculation, and protection of the family's rights. The gift is clean; the family's position is clear.
A registrar — a technology of Fotoh, Inc. No board is claimed: the founder rules on each rule of the register and publishes every ruling with its fiqh basis. No audit has taken place yet; independent review will be announced here when it exists, not before.
The Board is in constitution. Members will be announced as the organization is fully chartered. Initially: 5 independent directors representing finance, community institutions, religious scholarship, technology, and impact measurement.
There is no supervisory board today, and none is claimed: the founder rules on each instrument class and each rule of the register, and every ruling is published with its fiqh basis. Independent review will be announced here when it exists, not before.
qardon.org is the registrar inside Fotoh, Inc. — one company, many products. Fotoh builds and operates the platform technology (software, orchestration backend, this website, the partner embed widget, the smart contracts). qardon.org is operated at cost — Fotoh takes only what it costs to run the platform, nothing more. It is a platform, not a charity that collects giving, and it never owns your endowment: your money stays in your own account, in your own name. It takes 0% on what you give and 0% on what a borrower receives. Its real running costs are recovered from the yield the halal investment earns (actual cost, not a fixed percentage), and whatever is left over funds Recovery. We are deliberately not a charitable-tax-status organization — because we collect no giving and own none of your endowment; we are simply the registrar. The mission is to recover people from calamity, help the community become financially independent, and care for the elderly; the platform serves that mission, not the reverse.
See the full public impact dashboard.