If your community-lending nonprofit wants to operate a 0%-interest loan program — the full stack: application review, contributor ledger, KYC, compliance, Recovery, and Marketplace orchestration — you can run it on our platform. White-labeled to your brand. Configurable to your community's framework. The platform is specified and not yet built; this page collects early-access enquiries.
The 0%-interest mechanism is universal. The Bait al-Mal model belongs to no single tradition. We provide the trust infrastructure; you bring your community and your governance.
Regional Muslim community-lending nonprofits operating their own interest-free lending programs. Faith-based configuration ON. Your own religious-ethics board. Same engine that powers qardon.org.
Diocesan benevolence funds, biblical-stewardship community lenders, parish-level mutual-aid funds. Partner-defined ethical investment policy and language. We adapt the platform to your framework.
Gemach is the traditional Jewish interest-free lending society, in operation for centuries. Modern gemachs need modern infrastructure. We provide it without forcing you to abandon your governance traditions.
Community-funded interest-free pools operated by gurdwaras and Sikh community foundations. Your sangat. Your governance. Our technology.
Mutual-aid networks, time banks, secular community-finance cooperatives operating 0%-interest pools as a community-resilience strategy. Universal-access language. Same compliance backbone.
If your organisation's mission is interest-free lending — regardless of theological framework — you are in the audience. Universal. Any tax status is your organisation's own, under the law of your country.
Application intake (three paths: auto-eProfile, conversational AI, traditional form), AI Application Judge, manual review queue, disbursement orchestration, installment collection, humane-default flow.
Every contribution becomes a perpetually-revolving entry. Contributors see cycles, families served, aggregate impact — never identifying details. Optional forgiveness flow for permanent hardship.
Specified, not yet built: KYC, AML, OFAC screening, ECOA non-discrimination guardrails, FCRA-compliant credit decisioning, GDPR + CCPA data-subject rights. The grid further down this page states the standing of each one, because “built in” would have told you the opposite of the truth.
Calamity-aid covering missed installments for members hit by medical emergency, job loss, or natural disaster. Funded from your own pool yield or operating budget; rules configurable per partner.
If your community wants peer-to-peer interest-free asset transactions (seller financing for cars, homes, equipment), the Marketplace engine plugs in to your tenant directly. Optional.
Specified, not yet built: per-tenant D1 partition, per-tenant R2 storage, per-tenant AI namespace, and no cross-tenant data leak by design.
The 0%-interest mechanism is universal. Everything else — language, governance reference, default-treatment framing, investment policy — is your partner-level configuration. Like a card network enforces its security standard without enforcing your business’s faith.
The 0%-fee principle applies at every partner: 100% of every amount lent enters your pool whole; 100% of every loan reaches your borrower whole. What you pay us is paid by you, out of your operating budget — never skimmed from end-user flows.
Members of qardon.org give zakat and ṣadaqah, spend the yield of their waqf in Allah's cause, and direct distributions through a nāẓir. This is specified and not yet built: no organisation is listed today as a destination for that giving, and no giving is routed. When it opens, an organisation with a free account would appear as a destination; the money would move from the member straight to your own account — we never hold it — and we would take nothing from the gift. The Companion that writes your campaigns, receipts and reports, and your listing, are included. Compare: Donorbox takes 2.95% of every gift, LaunchGood about 5%, and CRM tools charge $125–200 a month.
Free for an organisation and every person in it. We take 0% of the money your organisation receives and 0% of what it lends out. Compare: Donorbox takes 2.95% of every gift or $150 a month for its Pro plan, Givebutter 2.9% + 30¢, LaunchGood about 5%, and a nonprofit CRM runs $125–200 a month.
Nothing is taken from the people who lend into your pool, and nothing is taken from the people who borrow from it. That is the whole point.
We've built this for institutions that take the regulatory bar seriously — because the same company operates qardon.org, which has to clear the same bar. The design below is what that backbone is specified to do; the items marked as such are not built yet.
Specified, not yet built: identity verification on every member, applicant and beneficiary, with a configurable vendor.
Specified, not yet built: transaction monitoring and screening against the sanctions lists, across the flows the platform would carry.
Specified, not yet built: non-discrimination guardrails on the decisioning surface, with no demographic decisioning.
The decisioning surface is specified, not built. No adverse-action notice is generated or sent by anything on this platform today.
Specified, not yet built: data-subject rights — access, deletion, portability — in every partner tenant.
Specified, not yet built: architectural enforcement, with a CI scanner verifying every query is tenant-scoped.
Your organisation exports its own financial inputs and operating-cost breakdowns from the dashboard, for whatever your jurisdiction requires you to file. Qardon files nothing for you and issues no tax document or receipt of any kind.
The partner program is specified and not yet built. This form records an enquiry so we can write to you when it opens. No date is promised.
The partner program is not built. As designed: your organisation would sign a partner agreement and would receive a tenanted, white-labeled instance of the qardon.com platform — branded to your organisation, configured to your governance framework, isolated from every other partner's data. Your lenders would lend into your pool, your borrowers would apply through your portal, your board would govern your operations. We would provide the engine, the compliance backbone, the integrations and the support. You would provide the community, the capital and the mission. None of it exists today.
Nothing: it is free for your organisation, and 0% of the money your organisation receives through us. Nothing is ever taken from the people who lend into your pool or from the people who borrow from it.
No. Your Board, your religious-ethics board (or equivalent), your investment policy, your default-treatment language, your community framework — all stay yours. We provide a configuration toggle that adapts the platform to your tradition. We enforce the universal baseline (0% interest, ECOA non-discrimination, dignity preservation). Everything else is your call.
The partner program is specified and not yet built, so we do not quote a deployment time. The architecture is multi-tenant, so a partner is configured rather than newly built: brand setup, governance configuration, KYC vendor wiring, custom domain, pilot-borrower onboarding. We will give you a timeline when the program opens, and not before.
As designed — architecturally, not just by policy, though none of it is built yet. Per-tenant D1 database partition. Per-tenant R2 storage. Per-tenant AI namespace. Continuous integration scanners verify that every query is tenant-scoped before code ships. There is no cross-partner data leak by design, and no operator at qardon.com can access your data without an audit-logged access event.
No. The faith-based configuration is a per-partner toggle. Muslim partners turn it ON and get the full Islamic overlay (halal investment policy, defined governance language, Islamic default treatment). Non-Muslim partners turn it OFF and use a partner-defined ethical framework. The universal baseline (0% interest on principal) is non-negotiable for every partner regardless of framework.
It is specified and not yet built, and we have no date to give you. The early-access form records your enquiry against your organisation; no reply date is promised, and nothing on this page is an offer.