AmanaFlow — Halal Settlement

Vision

Move digital assets privately, lawfully, and transparently without riba, maysir, or excessive gharar.
Asset-backed options (redeemable halal commodities) ground value in real goods.
Independent Shariah oversight, reserve attestations, and regulator view keys under due process.

Problem

Transparent rails expose counterparties and sources.
Many users prefer real-economy anchors over speculative tokens or interest products.
Teams & merchants need practical rails that respect Islamic ethics and local laws.

Product Architecture

1) Halal Privacy Router

Pooled settlement for pre-verified users breaks simple address linkage while preserving accountability via selective disclosure and regulator view keys under due process.

2) Halal Provenance Filter

Rejects funds using chain-analysis scores, on-chain lists, business-rule oracles, and user ZK attestations.

3) Asset-Backed Settlement

Optional halal commodity certificates minted 1:1 against audited reserves held in SPV/waqf structures; redeemable with insured chain-of-custody.

4) Wallet & SDK

User wallet receives a non-transferable Proof-of-Halal badge. Partners can request ZK attestations via simple APIs.

5) Oversight & Governance

Shariah Supervisory Board and Protocol Council co-sign material changes and audits.

6) Compliance Keys

Under due process, authorized auditors can confirm specific flows via view keys—without deanonymizing the pool.

How It Works

Lawful Privacy Routing

1
Admission: Complete registration via connecting wallet.
2
Deposit: Funds enter a shared pool; value represented by pool notes.
3
Routing: Withdraw to a fresh address/merchant; deposit–withdraw link is obscured within the pool.
4
Selective proof: Generate a zero-knowledge proof of lawful use and membership—without exposing counterparties.
5
Due process: Regulator view key confirms a specific flow under legal request, without deanonymizing the entire pool.

Commodity Certificates & Pricing

Pricing: ≈ Spot commodity price (beef/grain) + logistics + custody & audit + network fee. No yield, no interest.
Reserves: Held by certified custodians in an SPV/waqf; insured; monthly attestations.
Redemption/Transfer: Hold, transfer to approved distributors, or redeem where supported.

Why this reduces speculation

Certificates track real goods costs. As meat or grain prices change, certificate pricing updates accordingly, keeping value grounded in tangible inventory rather than speculative yields.

Transparency Dashboard

1,842 Approved users

24,910 Screened deposits

0 Sanction hits admitted

100% Attestations up-to-date

Economics & Pricing

Fees

Item	What it covers	Fee
Routing fee	Pooled settlement operations & audits	0.20%–0.50% per transaction (tiered)
Certificate mint	Supplier logistics, custody, insurance	Transparent fixed + 0.5%
Certificate redeem	Verification, distribution, handling	Transparent fixed + 0.5%
B2B SDK / APIs	Compliance attestations & score checks	Flat monthly for partners

Legal & Compliance

Guardrails

Operate via licensed entities where required (payments/VASP regimes).
Minimal KYC; Travel Rule support for VASPs.
Your privacy comes first. When required by law, we follow a clear, minimal-disclosure process using limited view keys.
Data minimization: prefer ZK attestations over raw data.
Terms of Service: built for real, compliant commerce.

FAQ

Is this a mixer?

Think of it as a privacy router, not a classic mixer. You get the same unlinkability benefits, while access to deposit fund is KYC-only, funds are screened, and a minimal, due-process view lets specific transactions be verified when necessary. Privacy first.

How do you avoid riba, maysir, and gharar?

No interest-bearing returns or guarantees; no gambling-like incentives; clear terms, fees, and disclosures; and Shariah oversight by an independent SSB.

How are certificates tied to real prices?

Certificates track spot commodity prices plus transparent logistics, custody, and audit fees. No yield is promised or implied.

Contact & Partnerships