HOW IT WORKS
From filing to verdict in a single deterministic path.
Every verdict is a deterministic function of the inputs, the methodology, and the version. Replayable. Citable. Auditable. The same six steps for every security, every methodology, every tenant.
- Source extraction. Public regulatory filings (ESEF, EDGAR) ingested deterministically. iXBRL facts extracted by fact ID. Narrative sections processed by a constrained-schema LLM pipeline with confidence floors. Every figure is cited back to its fact ID, page number, or text snippet offset.
- Confidence floor and human review. Each extracted figure carries a confidence score. Composite verdict confidence below the tenant’s configured floor routes the case to a human-review queue before the verdict is issued. No silent low-confidence approvals.
- Methodology evaluation. The signed YAML methodology document is loaded by version. Sector screens run first. Financial ratios are computed. Thresholds are compared. Every rule’s pass/fail status is recorded with its numerator, denominator, and margin.
- Parallel methodologies. The same security runs against all four methodology engines in parallel — AAOIFI, DJIM, S&P Shariah, and the tenant’s House methodology. Divergences are exposed at the rule level, so the institutional choice between methodologies is visible, not hidden.
- Verdict and purification. The verdict is issued with full structural transparency: methodology version, input figures with citations, rules evaluated, ratios computed, thresholds applied, and purification ratio per AAOIFI Standard 21 § 3/4 where applicable.
- Audit log and replay. Every verdict is written to the tamper-evident, hash-chained audit log. The replay endpoint reproduces any historical verdict from its inputs. This is the same view your internal auditor will use — and the same view a competent authority would request in any ex-post review.
Built on a TRL 6 working system.
4,400+ LOC backend across the four methodology engines, replay, and audit log. 13 API endpoints. 190+ test assertions on edge cases. Available for live demonstration to qualified institutional teams.
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.
