AAOIFI compliance should be explainable before it is confident.
Amanah applies deterministic Standard 21 screening, source-backed inputs, and a conservative certainty gate. A confident label is only appropriate when the data needed to support it is present, current, and internally consistent.
Current quantitative policy
Rules
What the engine checks
The platform separates Shariah policy from data availability. Evidence can produce a pass, a fail, or a review state. It should not produce false precision.
Companies with prohibited core business lines are excluded, including conventional finance, alcohol, gambling, pork, tobacco, adult entertainment, and other impermissible activities.
Total debt is tested against market capitalization. The system only treats the debt screen as passing when computable evidence is below the 30% threshold.
Cash, cash equivalents, and interest-earning investments are tested against market capitalization. Passing requires computable evidence below the 30% threshold.
Interest income and impermissible revenue are tested against total revenue. Passing requires the combined impermissible ratio to stay at or below the 5% threshold.
Compliance status can change as filings, prices, currencies, and business activities evolve. Amanah updates status when fresh evidence is processed.
Controls
How Amanah avoids overstated certainty
Provider Reconciliation
Market data, fundamentals, filings, and derived ratios are reconciled before the platform publishes a confident label.
Evidence Receipts
Published decisions are designed to point back to the inputs used: denominator policy, source data, timestamps, and computed ratios.
Fail-Closed Certainty
Missing, stale, contradictory, or near-threshold evidence is routed to review instead of being marketed as a definitive halal result.
This page intentionally avoids claiming literal infallibility. The institutional promise is stricter: the platform should be evidence-bound, transparent about uncertainty, and conservative whenever the data cannot support a public compliance conclusion.