Digital Murabaha origination, SSB-governed, deployed through your licenses.
Trade finance for OIC SMEs is a market your risk models can't reach: no collateral, no verifiable history, no scalable origination. RawabitX originates bank-ready, Shariah-governed financing files from verified trade data — and the funds, escrow, and licenses remain entirely yours.
SME trade finance doesn't scale
Manual underwriting on unverifiable documents makes sub-$2M Murabaha uneconomical — so 70% of OIC SME trade goes unfinanced.
Origination from verified platform data
Each financing file arrives with registry-verified compliance status, confirmed order terms, escrow structure, and the applicant's complete platform trade history — underwriting evidence, not paperwork.
Shariah review as a bottleneck
Every new digital product needs SSB sign-off, and ad-hoc structures multiply review cycles.
Shariah governance as running code
Products run against a versioned fatwa registry with runtime compliance checks on every Murabaha, Mudarabah, and Wakala transaction. Your SSB reviews the structure once; the platform enforces it on every deal.
Fintech partnerships that want your balance sheet
Most platforms want to intermediate the money — creating regulatory exposure you can't accept.
You hold the funds. Always.
RawabitX is orchestration infrastructure, not a payment institution. Escrow accounts sit with you, financing is on your book, and settlement flows through your rails. The platform never touches client funds.
- Digital Murabaha, Mudarabah, and Wakala origination workflows
- Versioned fatwa registry with runtime Shariah compliance checks
- Escrow held and controlled by your bank — platform-orchestrated, never platform-held
- Registry-verified compliance and trade data on every application
- Trust Ledger risk signals from completed platform trades
- Auditable event chain for every financed transaction — regulator-replayable
Full module map on the platform overview.
The platform's Saudi financial-integration path runs through SAMA's sandbox framework, engaged from the pre-seed stage.
SME financing growth and fintech enablement are explicit Financial Sector Development Program targets.
First financings run on the Saudi–Indonesia corridor with registry-verified halal compliance on both ends.