From pilgrimage to protection, planning, and giving — arafa is organised into three simple pillars that cover every stage of a Muslim's financial life.
Every ringgit that isn't working for you is a ringgit wasted. Arafa puts your savings to work through Shariah-compliant funds, structured goals, and short-term liquidity — so your money grows the halal way, on your terms.
Idle savings are put to work through halal investment vehicles managed with partners like Halogen, paired with holistic Shariah-compliant financial planning to grow responsibly.
Beyond Umrah — set structured, Shariah-compliant savings goals for Hajj, your children's education, retirement, family milestones, and every other life goal.
Short-term, interest-free liquidity through Ar-Rahnu — pledge gold as collateral under the principles of qardhul hassan and rahn, and pay only a fair safekeeping fee, never riba.
Every fund on Arafa is screened against strict Shariah criteria — no interest-bearing instruments, no exposure to non-halal industries, and regular purification of any incidental income. Working with Halogen and other licensed Islamic asset managers, we give you access to diversified portfolios, reviewed continuously by our Shariah Advisory Board.
Instead of one generic savings pot, Arafa lets you create a dedicated goal for anything that matters — Hajj, your child's education, retirement, or a family milestone — each with its own target, timeline, and automated contribution schedule, tracked in real time.
Built on four Islamic principles working together — qardhul hassan (an interest-free loan), rahn (your gold held as collateral), wadiah yad dhamanah (safekeeping with a guarantee), and ujrah (a transparent safekeeping fee). Fast, short-term liquidity, without ever touching riba.
Wealth isn't just about growing it — it's about protecting it, and making sure it reaches the right hands. From Takaful protection to a proper Islamic estate plan, arafa helps you prepare for what's ahead, not just what's now.
Mutual, Shariah-compliant protection for your family and assets — from Umrah Takaful to broader life, health, and asset coverage, built on cooperative risk-sharing, not conventional insurance.
Plan how your wealth is distributed according to Shariah — structure Hibah gifts, understand your Faraid entitlements, and put a proper Islamic estate plan in place for your family.
Verified Umrah bookings, government-registered Badal services, and an in-app marketplace for everything a pilgrim needs — with live tracking and safety features throughout the journey.
Conventional insurance involves elements many scholars consider non-compliant — uncertainty (gharar), interest (riba), and gambling-like risk transfer (maysir). Takaful solves this through mutual cooperation: participants contribute to a shared fund, and payouts are made from that fund when a claim occurs.
Without a plan, your estate defaults to Faraid's fixed distribution formula — which may not reflect any lifetime gifts you intended to make. Arafa helps you understand your Faraid entitlements clearly, and structure Hibah gifts properly so your intentions are documented and Shariah-compliant.
From the moment you book to the moment you're home, Arafa keeps your journey verified and visible — government-registered Badal services if you can't travel yourself, live location sharing so your family always knows where you are, and an in-app marketplace vetted before it reaches you.
Islam ties wealth to responsibility. Arafa makes fulfilling that responsibility simple — calculate and pay your Zakat, contribute to Waqf and Sadaqah, and access a wider community of Shariah-compliant products and partners, all in one place.
Calculate and pay Zakat directly in-app, contribute to Cash Waqf initiatives, and give Sadaqah — with an emerging crypto-Zakat pathway for digital asset holders.
Access a growing marketplace of Shariah-compliant products and services from selected strategic partners — vetted, transparent, and all in one place.
Certification programs, educational content, and brand collaborations that extend arafa's reach across the ummah.
Zakat isn't optional bookkeeping — it's a pillar of Islam, and getting the calculation wrong, or forgetting digital assets entirely, is a common mistake. Arafa calculates your obligation automatically, then lets you direct it, along with Cash Waqf and Sadaqah, to verified recipients.
Not everything you need fits neatly into Arafa's own products. The Marketplace connects you to a growing panel of vetted, Shariah-compliant partners — so you're never forced outside a halal framework just because one provider doesn't cover everything.
Arafa's reach extends beyond the app itself — certification programs for partners, educational content to help the community understand Islamic finance more deeply, and collaborations that bring Arafa's principles to more of the ummah.
Join a Shariah-compliant platform built for every stage of your financial journey.
Join the Waitlist