EXPLAINABLE AI · AAOIFI ALIGNED · EU AI ACT ENGINEERED
Explainable AI Compliance Engine for Sharia-Aligned Capital Markets.
Multi-methodology equity screening for institutional Islamic finance. Source-attributed verdicts. Replay-ready audit trail. EU AI Act conformity engineered into the architecture — not bolted on as policy.
METHODOLOGIES
Four methodologies. Side by side. Continuous verdicts.
A single verdict on a single methodology hides the institutional choice that matters. HalalRegTech AI runs four methodology engines in parallel against the same security and surfaces every divergence — with the rule, the threshold, and the source figure that produced it.
AAOIFI STD NO. 21
Reference framework
The institutional reference for global Islamic finance. Sector screens, debt and interest-bearing securities ratios, illiquid-asset thresholds — all encoded with explicit clause-level citation back to Standard 21.
DJIM-ALIGNED
Dow Jones Islamic Market
Trailing 24-month average market-cap denominators, S&P Dow Jones thresholds, purification ratio computation. Divergences from AAOIFI are exposed at the rule level.
S&P SHARIAH
S&P methodology
S&P Dow Jones Shariah index methodology — market-cap-based denominators, sector exclusions and ratio limits. Side-by-side comparison with AAOIFI in a single verdict view.
HOUSE v1
Configurable per tenant
Your Sharia Supervisory Board’s methodology, signed cryptographically to the methodology document hash. Roll a new version, route to your SSB, deploy across portfolios in one workflow.
INSTITUTIONAL DEFENSIBILITY
Three architectural choices that make audit possible.
01 · METHODOLOGY VERSIONING
Signed, replayable, rollback-ready
Every methodology is a signed YAML document with a cryptographic attestation bound to the document hash. Roll forward. Roll back. Revoke an entire methodology version across all of a tenant’s outstanding verdicts in one operation.
02 · SOURCE ATTRIBUTION
Verdict to iXBRL fact ID
Every input figure is cited back to its source — iXBRL fact ID, page number, or text snippet offset. A non-compliant verdict names the rule that failed, the numerator and denominator that produced the ratio, and the margin by which the threshold was exceeded.
03 · REPLAY DETERMINISM
Every verdict reproducible
Every historical verdict is reproducible from its inputs. Hash-chained audit log. Tamper-evident. The same view your internal auditor will use, and the same view a competent authority would request in any ex-post review.
REGULATORY POSITIONING
Engineered for the EU’s specific intersection of financial, data, and AI regulation.
Four regulatory axes shape the design. The compliance architecture is part of the platform — not a deployment overlay.
EU AI ACT
Engineered to Articles 9–15 (risk management, data governance, transparency, human oversight, accuracy). Conservative high-risk-controls baseline regardless of Annex III §5 classification outcome.
GDPR
Gottesman Investments is the controller; Israel benefits from the EC Adequacy Decision (2011, confirmed). EU-to-Israel transfers do not require SCCs. DPIA finalised at M3.
DORA
ICT third-party provider pack: incident-reporting SLA, TLPT testability, third-party register, exit and data-return plan. Available on contract to authorised financial entities.
AAOIFI
Methodologies referenced explicitly to AAOIFI Standard 21. Independent AAOIFI-aligned advisory letter is an M6 deliverable. SSB sign-off workflow live at TRL 6.
STATUS TODAY · TRL 6
A working system. Not a roadmap deck.
4,400+
Lines of backend code across 4 methodology engines, replay, and audit log.
13
API endpoints covering screening, methodology versioning, evidence pack export, and audit retrieval.
190+
Test assertions covering edge cases — negative equity, non-EUR reporting, scale conversions, and methodology divergences.
8
Bilingual EN/AR mockup screens covering the operator workflow end to end. Available under NDA.
Request an institutional demo.
Forty-five minutes with the compliance engineer and the Sharia analyst who built the platform. Bring your screening methodology, your audit gaps, your regulator questions. No sales deck.
NEXT STEP
A 45-minute briefing. For decision-makers only.
With the compliance engineer and Sharia analyst who built HalalRegTech AI. For institutional banks, Sharia boards, regulators, and Sharia advisory partners.