Qardon.com is a wholly-owned for-profit subsidiary of Fotoh, Inc. We build software. We sell that software to institutions. We are not the consumer-facing brand — that is qardon.org, our independent operator-customer.
Clean separation between the platform vendor and the operator. This is the architecture; it's also the discipline.
Fotoh, Inc.'s for-profit technology subsidiary. Builds and operates the software platform. Sells to nonprofit operators, banks, fintechs, and community-finance institutions under standard commercial agreements.
That's us.
Independent waqf custodian and record-keeper. The consumer-facing operator. It keeps the records of the interest-free lending pool — the money is waqf, owned by the givers, never owned by qardon.org — transfers funds to beneficiaries, and runs the Recovery program. Engages Qardon.com under a Master Service Agreement, like any operator engaging a software vendor.
The two-entity structure exists to keep the operator's mission and the waqf entirely separate from the for-profit's technology operation. The waqf belongs to the people who gave it — never to qardon.org, never to qardon.com. Commercial terms between the entities are confidential to the parties and disclosed through standard regulatory channels.
Awwad Alhabli
Founder · Fotoh, Inc.
Awwad is the founder of Fotoh, Inc., the parent holding company, and the architect of the Qardon platform. He has spent more than seven years designing the product family from first principles — community-anchored, compliance-clean, technically honest.
He holds an engineering background and a deep familiarity with the regulatory regimes of the markets the platform serves. He continues to write the spec for every product across the Fotoh family.
Executive team appointments are pending. We will publish bios as roles are filled.
We build the technology that makes community-anchored interest-free lending operationally serious — defensible, auditable, scalable.
For decades, community lending has been a moral idea poorly served by spreadsheets and goodwill. We bring it the engineering discipline of modern fintech: identity verification, sanctions screening, audit logs, fair-lending review, regulatory-grade reporting.
Our customers run the lending. We run the rails. Our flagship operator — qardon.org — proves the model in production. Other institutional partners can build on the same engine.
This is a for-profit company doing infrastructure work. We compete on the platform's quality, not on capturing the consumer relationship.
Fotoh, Inc. is the holding company. Qardon.com is one of its operating subsidiaries. The parent operates multiple product lines including Live Athan and the broader Fotoh ecosystem.
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