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 gives 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 give what they can — even $10 a month qualifies. Members borrow when they need to. The pool sustains itself through mutual contribution 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 That was the proof of concept — and the historical reference for what we're rebuilding now, in software, at internet scale, open to everyone.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.
An independent registrar — a technology of Fotoh, Inc. Governed by an independent board. Overseen on religious-ethics by a Religious-Ethics Board. Audited annually.
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.
The SSB is in constitution. It will oversee the halal investment policy, lending compliance, and the ethics-grounded operation of the pool. Members and rulings will be published transparently when the Board is seated.
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.