Qardon.com is the software platform company that builds the engine — application review, ledger, compliance, and payments — for community-anchored lending without interest. We are Fotoh, Inc.'s back-end. We sell to institutions, not consumers.
You're on the technology vendor's site. Donations, applications, and claims live at qardon.org.
The engine behind every contribution, every application, every cycle. No fabrication. No theology in the data model. Just software that does its job.
Automated review pipeline that evaluates applications on behavior, repayment capacity, and policy — never on demographics. Audit-logged, explainable, FCRA-aware.
Every contribution becomes a perpetually-revolving ledger entry. Donors see cycles, beneficiaries served, and aggregate impact — never identifying details.
KYC, AML, OFAC screening, ECOA non-discrimination guardrails, GDPR + CCPA data subject rights, FCRA-compliant credit decisioning — built in, not bolted on.
Modern, serverless, globally distributed. Built for sub-second response from anywhere on Earth.
B2B only. Consumers route through qardon.org.
API documentation preview, integration use cases, and a waitlist for production access. We open the API to vetted institutional integrators first.
Banks, fintechs, and community-finance institutions exploring technology integration or white-label arrangements. Brief us, we'll be in touch.
Fact sheets, executive headshots, screenshots, and an executive-team contact. Embargoed materials available on request.
Same compliance backbone, four product surfaces. Pick yours.
The 501(c)(3) nonprofit that operates the global Qard Hassan pool. Donors give; pool revolves; borrowers receive interest-free loans. For consumers, donors, and borrowers →
Sellers keep their asking price; buyers pay in installments at 0% interest; we handle trust, escrow, collection, humane defaults. Homes, cars, jewelry, equipment. For peer-to-peer asset sales →
Run your own community-lending nonprofit on our platform. White-labeled. Sharia-config toggle. Muslim, Christian, Jewish, secular — all welcomed. For 501(c)(3) community lenders →
0% interest financing at checkout for your customers. Higher conversion than Affirm and Klarna. 2.9% merchant fee. The halal BNPL alternative. For auto, home builders, furniture, jewelry, medical →
Our flagship operator is qardon.org — an independent 501(c)(3) that runs the public-facing community lending pool. Other community-finance nonprofits can engage us for white-label arrangements.
Compliance-grade rails for institutional partners that want to offer interest-free lending products to their members. KYC, AML, OFAC, FCRA, ECOA — all native.
Back-office software for interest-free lending operators, cooperative-insurance pools, and endowment foundations — without exposing your members to a third-party brand.
Live Athan, MMS, MIS, and the broader Fotoh ecosystem run on the same edge runtime — designed to compose cleanly with other Fotoh, Inc. products.