Commodity Murabaha structure
siola connects suppliers to funding partners who provide early payment through a Commodity Murabaha (Tawarruq) structure. The partner purchases and on-sells an asset at a disclosed, fixed mark-up — there is no interest (riba) at any point in the transaction.
Fatwa & certification
Each funding partner operates under its own qualified Shariah board and obtains a Fatwa for its program structures. siola only routes transactions to Shariah-compliant funders — it neither issues financing nor certifies it.
Ongoing oversight
Funding partners keep their programs under continuing Shariah review. siola onboards only partners that maintain this oversight, so the funding routed through the platform stays Shariah-compliant over time.
This page is a plain-language summary for the siola platform and does not constitute legal advice. Formal agreements govern the contractual relationship between siola and its users.