Choose how the waqf is invested. The bot shows a halal-screened model portfolio — and the families the yield would help — all on a simulation, with no real money and nothing to sign.
The waqf lane is 0% — qardon.org is the registrar of your waqf, never a holder of your money.
Want to invest your own money, not waqf? Invest on qardon.com →
One waqf, four kinds of work — the whole journey, in order.
Lend once — cash or an asset. Recorded in your name, permanent, working from that day.
Your waqf is lent at 0% to someone who needs it — repaid, then lent to the next. It never stops circling.
Between loans, the engine invests it in halal-screened assets — honest work, never a personal return to you.
Every yield goes to Recovery — the fund that catches people hit by calamity. You keep none of it; that is the design.
Choose how the waqf is invested, then press start. The bot invests it carefully so the yield keeps helping families — you'll see a "families helped" counter.
No sign-up. No real money. Runs entirely in your browser.
A diversified, halal-screened mix sized to the mandate you chose.
A hypothetical 5-year path on real-market-style data — not a prediction.
This was a simulation. To put your real waqf to work like this — in your own account, in your own name — become a member. That's the step that turns real investing on.
Ready for real money? Become a member →A buyer on qardon.com has already made a 0% installment offer on each item below, and the seller wants cash. Your waqf buys the item at a researched cash price and sells it to that buyer at the postponed price he offered — one fixed price, never growing, no late charges. The difference is the expected gain, and it goes back into the waqf to help the next family. Waqf money is placed first; own money fills what remains. A deal is listed only when the funders' expected return is at least 6% a year and the buyer's deferral costs him less than the riba market would charge — the robots research the numbers, a second robot checks them, and no person approves a deal: the people who fund it decide.
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Every figure comes from the marketplace, shown in full on each deal page: what the seller is paid, what the closer and the state cost, what Fotoh is paid for its work, what the buyer pays, and how each installment is split — capital first.
The bot does the monitoring and proposing. A licensed financial advisor — chosen by you — oversees it on your behalf. Your money never leaves your own account.
Your money stays in your own account, in your own name. qardon.org never holds it. The bot only proposes moves — nothing happens to a single dollar without you.
Choose a licensed financial advisor from the network, guided by community star ratings. They become your adviser-of-record, overseeing the bot's proposals on your behalf. They earn a commission for that service — declared up front.
The bot studies stocks and companies worldwide — continuously updating itself with the geopolitical situations around the world — and screens every holding for halal, then proposes buy and sell moves. Approve each batch with one tap, or opt in to full automation. Halal screening is always on.
Your advisor oversees your investing without ever seeing who you are. They guide the strategy; your name and details stay yours. Privacy and security come first, always.
You do — with help. The smart investment bot reads global markets, screens for halal, and proposes buy and sell moves. A licensed financial advisor you choose oversees those proposals as your adviser-of-record. You either approve each batch with one tap, or opt in to full automation. The money stays in your own account the whole time.
No. Your advisor oversees the bot's proposals on your behalf without ever seeing your identity. They see the strategy and the holdings; your name and personal details stay private. This protects both your privacy and your security.
You pick one from the network, guided by community star ratings — so you can see how other members rate the advisors before you choose. The advisor earns a commission for overseeing your investing, and that is shown to you up front, with nothing hidden.
A plain record of how the waqf is being managed: what it holds, and what yield has gone out to the families it helps. The bot studies companies worldwide and keeps itself updated with geopolitical conditions; at the end of each holding's suggested period the yield is distributed. There is no gain-or-loss screen to watch — what you lend is a loan to Allah and the yield is for the community, not a position you track. Everything on this page today is a simulation.
Are you a licensed financial advisor? Join the network →