A first-of-its-kind platform centralising multiple Shariah-approved commodity brokers into one seamless, AAOIFI-aligned ecosystem, delivering operational efficiency, broker redundancy and uninterrupted Shariah compliance.
Commodity Murabaha is one of the most widely used Islamic finance instruments, yet its execution is routinely constrained by single-broker dependencies, documentation complexity and system downtime. SĀBIQ CORE was built to solve this.
CORE is an integrated Commodity Murabaha execution platform that connects institutions to multiple Shariah-approved commodity brokers through a single, managed ecosystem. Rather than relying on one broker's availability and pricing, CORE enables seamless access across a network of onboarded brokers, removing the operational bottlenecks that typically burden Islamic finance desks.
Deployed for financial institutions including Islamic digital banks in leading UAE financial free zones, CORE is built for scale: API-ready, continuously Shariah-validated, and designed to integrate directly into modern banking infrastructure.
CORE manages the full Commodity Murabaha lifecycle, from broker selection through to execution and documentation, within a single, governed framework.
Multiple Shariah-approved commodity brokers are onboarded, continuously validated and maintained within the CORE ecosystem across jurisdictions.
The institution initiates a Commodity Murabaha trade through CORE's interface or API. CORE manages broker selection, pricing and allocation in real time.
Each transaction is executed in strict accordance with AAOIFI standards. Documentation is generated systematically, eliminating manual burden and reducing error risk.
Full audit trail maintained for every transaction. Reporting and compliance outputs are made available to internal and external stakeholders as required.
CORE delivers operational and Shariah governance benefits that no single-broker arrangement can match.
By integrating multiple onboarded brokers, CORE eliminates the single point of failure that creates operational downtime in conventional Commodity Murabaha arrangements. When one broker is unavailable, the system seamlessly routes to another.
CORE is built for modern digital banking infrastructure. It can be integrated directly via API into an institution's core banking system, enabling automated Commodity Murabaha execution for digital banks, neobanks and fintech platforms.
Every broker within the CORE ecosystem is actively and continuously validated for Shariah compliance. Institutions benefit from the assurance that every counterparty in the chain meets the required Shariah standards at all times.
Each transaction executed through CORE adheres strictly to AAOIFI standards for Commodity Murabaha, ensuring that regulatory, Shariah and audit requirements are met on every trade without exception.
CORE is designed to handle unlimited transaction volumes across multiple jurisdictions. As your institution's Islamic finance activity grows, CORE scales with it, without the bottlenecks of a single-broker model.
Systematic documentation generation reduces the manual burden on operations teams and minimises the risk of documentation gaps. Every trade is supported by a complete, structured record for audit and regulatory purposes.
SĀBIQ CORE is designed for institutions that execute Commodity Murabaha at volume — or those looking to scale their Islamic finance operations without adding operational complexity.
What is Commodity Murabaha and how does it work?
Commodity Murabaha is one of the most widely used Islamic finance instruments for liquidity management and financing. It involves the purchase of a commodity (typically base metals on the London Metal Exchange) at cost price, followed by an immediate on-sale at a mark-up on deferred payment terms. The mark-up replaces interest, and the commodity acts as the underlying asset that provides the transaction with Shariah legitimacy. SĀBIQ CORE manages this entire process through a multi-broker ecosystem.
Why does single-broker dependency create a risk for institutions?
When an institution relies on a single commodity broker, any disruption to that broker's operations (system downtime, pricing issues, regulatory events or capacity constraints) halts the institution's ability to execute Commodity Murabaha transactions entirely. This creates operational risk, potential Shariah non-compliance events and reputational exposure. CORE eliminates this by routing transactions across a managed network of onboarded brokers.
How does SĀBIQ CORE integrate with our existing banking infrastructure?
CORE is built with an API-first architecture, enabling direct integration into core banking systems, digital banking platforms and treasury management systems. This allows Commodity Murabaha execution to be triggered and processed programmatically, without manual intervention, making it suitable for digital banks, neobanks and high-volume transaction banking environments.
Is CORE compliant with AAOIFI standards?
Yes. Every transaction executed through CORE is structured in strict accordance with AAOIFI Shariah standards for Commodity Murabaha. All brokers within the ecosystem are continuously validated for Shariah compliance, and transaction documentation is generated systematically to ensure full audit trail and regulatory reporting capability.
Can CORE support high-volume transaction environments?
Yes. CORE is specifically designed to handle unlimited transaction volumes across multiple jurisdictions simultaneously. It is deployed for institutions executing Commodity Murabaha at scale, including Islamic digital banks and treasury desks with high daily transaction frequency, and scales with your institution's growth without adding operational complexity.
Talk to our team about integrating SĀBIQ CORE into your institution's infrastructure.
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