Qardon.com is a technology of Fotoh, Inc., a California for-profit stock corporation. We build software. We sell that software to institutions. The consumer-facing surface is qardon.org — the same company's waqf-recording technology, not a separate business and not a customer of ours.
Qardon.com is the marketplace. Qardon.org is the record. Both are built and operated by Fotoh, Inc. — there is no second company.
The marketplace and installment side of Fotoh, Inc. Builds and operates the software platform. Sells to nonprofit operators, banks, fintechs, and community-finance institutions under standard commercial agreements. Fotoh, Inc. is for-profit throughout — qardon.org is its waqf-recording technology.
That's us.
The waqf-recording technology of Fotoh, Inc. The consumer-facing surface. It is the endowment registry — each endowment is recorded in its owner’s own account; it belongs to the person who set it aside, never to qardon.org — and it is the home of the Recovery Fund. It records; it does not hold the money and does not own it. It is not a separate entity.
There is one company: Fotoh, Inc., a California for-profit stock corporation, entity B20260321874, incorporated 2026-07-15 in Fresno, California. Qardon.com and qardon.org are two of its technologies, not two businesses trading with each other. The waqf belongs to the people who lent it — never to qardon.org, never to qardon.com. Money never passes through a Fotoh bank account; movement is account-to-account between the people's own accounts.
Awwad Alhabli
Founder · Fotoh, Inc.
Awwad is the founder of Fotoh, Inc. 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 one operating company, not a holding company. Qardon.com is one of its products, alongside Live Athan and the rest of the Fotoh family.
Visit Fotoh, Inc. →