Building the global market for digital Shariah assets.
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Joined August 2026
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Across the GCC, SMEs face a $250 billion financing gap, with only 11% having access to credit. In the UAE, they generate more than half of GDP yet receive less than 10% of total bank lending.
Today, Zamanat launches Zamanat Fund CEIC Limited, a DFSA-regulated, DIFC-domiciled Credit Fund. Managed by Truleum Venture Partners and administered by @ApexGlobalGroup, with fund interests issued as ZM1 Investment Tokens on @ZIGChain.
First live proof point in bringing GCC private credit into digital markets.
Zamanat is backed by @Disrupt_com.
Zamanat is hiring an Institutional Sales and Web3 Partnerships Director in Dubai.
The role covers two parallel channels: traditional GCC distribution (family offices, HNWIs, Islamic investors, private banks) and Web3 distribution (digital asset managers, exchanges, OTC desks, custodians, onchain treasuries).
8 to 12 years in institutional sales, capital raising, or fund distribution. Current relationships required. Backed by @Disrupt_com.
Apply here ⬇️
bit.ly/4Buezlx
Structural, not speculative.
When the capital base, the regulatory infrastructure, and the builders converge in one jurisdiction, you build from there. That is what Zamanat is doing.
Six trillion dollars in Islamic finance assets today, projected to reach ten trillion by 2030. The UAE sits at the nexus of that capital, the talent building onchain infrastructure, and the regulatory clarity to move it forward. Discussed what that convergence means for tokenized assets at the RWA Leaders Summit conducted by @RWAlabs_ae.
The opportunity here is structural, not speculative. That is exactly why Zamanat is building the global market for digital Shariah assets from the UAE.
The questions Shariah boards ask before signing off are straightforward. Where is the real asset. Who owns it. How is the return generated. Tokenization does not change those questions. It records the answers at the structuring stage.
@MFawadAkber, Head of Structuring and Origination at Zamanat, and Nilanjan Ray, Lead RWA Tokenization at @ADI_Foundation, joined @RaghdaIbraheem on @FINTECHTVglobal to break down why Islamic finance and tokenization are a natural fit.
Financial inclusion is not a feature you add after the product ships. It is a design decision you make before it exists.
@UmairTariq3735 and @ARafayGadit connect that to stablecoins on Access Granted Episode 5. Before anyone called it crypto, M-Pesa was bringing financial access to people without a smartphone in sub-Saharan Africa. Same mechanics. Pooled value, backed by real assets, gatekeepers removed.
Zamanat is building with the same question in mind. Shariah-aligned private credit, designed for investors who have not had access to products built for them from the start.
Most tokenized investment products are being built without Shariah alignment in the foundation. Screening applied after the fact is not the same as alignment built in from the start. One reaches the market. The other reaches the investors it was actually designed for.
Zamanat exists because we believe it has to be there from the first design decision.
The color of your passport should not limit where you can invest.
@ARafayGadit, Co-Founder of @ZIGFinance and Board Member of Zamanat, said that at our From Build to Market launch event. He was not pitching the fund. He was answering a question that started two years ago: why is there nothing that truly serves the two billion plus Muslim population with the investment products they deserve?
The answer was a network. Every person who believed in it introduced the next one. That is how a Shariah-aligned fund came to market out of DIFC. Nothing compounds alone.
@ApexGlobalGroup @Disrupt_com | Truleum Venture Partners | Hilal Invest
Tokenization gets discussed in terms of what it does to the asset. On Access Granted Episode 5, @UmairTariq3735 and @ARafayGadit focused on what it does for the people who could never access these assets in the first place.
The conversation worth having is not about the infrastructure. It is about who finally gets access.
Full episode here: xitter.cf/ARafayGadit/status/210…
Episode 5 of Access Granted is live.
This time I sat down with @UmairTariq3735, CEO of @ZamanatDigital.
We went from his journey into Islamic finance to a much bigger conversation around what happens when Shariah finance meets onchain infrastructure! Stablecoins, tokenization, DeFi, AI-powered vaults and the massive SME credit opportunity across the GCC.
One of my favourite parts was discussing whether stablecoins are really a payments story, or whether the much bigger unlock is what people can invest in once capital is already onchain.
The questions around investor access, custody, and cross-border distribution within a Shariah-aligned framework are moving fast.
Our CEO @UmairTariq3735 is in Singapore this October carrying those conversations forward from our first fund launch.
After launching Zamanat's first DFSA-regulated fund last month, the questions around investor access, custody, and cross-border distribution for tokenized products got specific fast.
Plus the growing demand for Shariah Assets.
Going to Singapore 5-9 Oct to keep working through them.
@ZamanatDigital @ZIGFinance
#Tokenisation #IslamicFinance #DigitalShariahAssets
Dr. Bhaskar Dasgupta, Chairman of Apex Fundrock ADGM Board (@ApexGlobalGroup) and Member of Board of Advisors for Zamanat, went straight to the part most people rush past at our launch event.
The challenge was never whether Shariah-aligned investors wanted these assets. They always did. The instruments were too big, too slow, or too expensive to reach them.
Blockchain and tokenization address the mechanics. A strong regulatory environment addresses the trust. But without Shariah alignment built into the foundation, neither reaches the investors who need it most.
Tokenization is not a prediction. It is an operational statement from someone who administers institutional fund structures globally and sees the actual pipeline.
Christiane El Habre, Global Head of Family Offices at @ApexGlobalGroup, at our launch event on September 10th.
Saudi Arabia built its financial system on fairness, transparency, and risk sharing long before anyone called it Shariah finance.
Zamanat is building digital Shariah-aligned assets on that same foundation, with Saudi Arabia's SME economy at the centre of where we are heading.
Happy Saudi National Day.
Capital markets are moving onchain. That is not a prediction anymore, it is happening across payments, ownership, and credit simultaneously.
The ecosystem Zamanat's first fund is build on has been operating all three, including origination through ZIG Markets, early stage backing through ZIG Labs, and settlement through ZIG Chain.
Today they bring all three under the same umbrella. Welcome @ZIGFinance.
ZIGChain is now ZIG Finance.
Our business has grown beyond infrastructure into financial products, origination, structuring, distribution and ecosystem development, with ethereum:0xb2617246d0c6c0087f18703d576831899ca94f01 at the economic centre.
We're now building across financial products, origination, structuring, distribution, infrastructure and ecosystem development, with ethereum:0xb2617246d0c6c0087f18703d576831899ca94f01 at the economic centre.
ZIG Labs backed Zamanat before there was a fund to tokenize or distribute.
Today, ZIG Markets handles distribution and @ZIGChain handles settlement. The entire stack traces back to one early decision.
A $100M private credit fund coming onchain matters. But what matters more is the financial infrastructure being built around it.
@ZamanatDigital has launched an institutional grade credit fund targeting up to $100M on ZIGChain, with ZIG Markets acting as Distribution Agent.
For ZIGChain, this is much bigger than another asset being tokenized. ZIG Labs backed Zamanat at an early stage, ZIG Markets is now part of taking the product to market, and ZIGChain provides the infrastructure on which those fund interests are issued.
That is the model we are building around ethereum:0xb2617246d0c6c0087f18703d576831899ca94f01, by participating in creating real financial businesses, helping them access distribution, and bring the resulting financial activity onchain.
As more institutional-grade assets, capital and distribution move through this ecosystem, ZIGChain becomes part of the financial infrastructure connecting real-world capital with onchain markets.
This is what the ZIG ecosystem is built for.
"We are not trying to define ourselves as a tokenization platform."
@UmairTariq3735, our CEO, explains what Zamanat actually is on the new episode of Access Granted with @ARafayGadit.
Episode 5 of Access Granted is live.
This time I sat down with @UmairTariq3735, CEO of @ZamanatDigital.
We went from his journey into Islamic finance to a much bigger conversation around what happens when Shariah finance meets onchain infrastructure! Stablecoins, tokenization, DeFi, AI-powered vaults and the massive SME credit opportunity across the GCC.
One of my favourite parts was discussing whether stablecoins are really a payments story, or whether the much bigger unlock is what people can invest in once capital is already onchain.
