Your Wealth. Your Values.
Your Future.
Experience a new approach to ethical banking, intelligent money management, and Shariah-compliant investing. Built for Muslim communities across the United States and anyone seeking transparent, interest-free finance.
Tharwa Vault
Tariq Al-Mansoor • Wadiah Checking
Total Net Portfolio
Expected Yield
Tharwa AI Assistant
Auto-saved $142.50 round-ups this month
Next Sukuk Profit Payout
Nov 1, 2026 • Est. $371.04 into Checking
Modern Digital Banking,
Rooted in Uncompromising Ethics
Eliminate riba, predatory fees, and opaque banking practices. Tharwa provides a modern, secure checking and card experience where your money is safely kept, never lent to unethical industries.
Card Number
Wadiah Safekeeping Accounts
Everyday checking and cash management built strictly on Wadiah Yad Dhamanah principles. No interest, no hidden overdraft penalties, and complete principal preservation.
Instant Virtual & Physical Cards
Generate single-use or recurring virtual debit cards instantly. Tokenized for seamless integration with Apple Pay and Google Wallet with dynamic CVV protection.
Seamless Transfers & Payments
Send and receive funds across US financial institutions via standard ACH and real-time rail networks. Automate recurring bill settlements without predatory fee structures.
Real-Time Spending Insights
Intelligent categorization automatically tags recurring merchants, identifies unnecessary fees, and highlights values-aligned merchants across everyday categories.
Zakat & Tax Transaction Ledger
Search, filter, and tag transactions effortlessly. Generate one-click annual Zakat asset balance statements and tax-ready expense export files.
Nurture Ethical Money Habits
For the Next Generation
Equip your children with financial knowledge and real-world money management skills, backed by strict parental guardrails and Islamic values.
Linked Children & Teen Accounts
Open dedicated sub-accounts for children ages 6 to 17 under direct parental guardianship, with personalized debit cards.
Category-Level Parental Controls
Automatically block adult entertainment, gambling, tobacco, and predatory gaming transactions at the network level.
Automated Allowance Schedules
Set recurring weekly or monthly pocket money, or tie allowance payouts to chore completion and academic achievements.
Granular Spending Limits
Establish daily, weekly, and single-purchase spending caps. Lock or unlock your child's card instantly from your own smartphone.
Islamic Financial Literacy Modules
Bite-sized, gamified lessons teaching ethical stewardship, Halal earning principles, budgeting, and the virtues of Sadaqah.
Al-Mansoor Family Hub
2 Dependent Accounts Active • Parental Control Enabled
Card ending •••• 3419
Savings Goal: Umrah Trip
Al-Noor Islamic Bookstore
Zayd requested purchase of $18.50
Goal-Driven Savings.
Automated & Interest-Free
Create dedicated Wadiah sub-vaults for major life milestones. Automate recurring contributions and round-ups with zero exposure to interest-bearing lending.
Family Hajj Pilgrimage
Emergency Reserve Vault
Children's University Fund
Automated Spare-Change Round-Ups (Demo)
Every everyday coffee or grocery purchase is rounded up to the nearest dollar. The spare change flows directly into your highest-priority savings pot.
Intelligent Insights.
Aligned with Your Faith & Values
Your personal financial co-pilot. Track cash flow, simulate ethical investment growth, calculate accurate Zakat, and receive proactive alerts — all strictly calibrated to interest-free Islamic financial principles.
Intelligent Budgeting
Predictive cash flow modeling forecasts your end-of-month balance and buffers.
Automated Savings
Micro round-ups sweep spare change into targeted, non-interest halal savings goals.
Fee & Subscription Audit
Instantly spots forgotten subscriptions, hidden service charges, and wasteful drains.
Zakat & Halal Guidance
Automated wealth purification calculations in compliance with AAOIFI standards.
Tharwa AI Assistant
ONLINEAAOIFI-aligned financial intelligence
How much did I save this month, and what is my projected Sukuk return for November?
You • TodaySalam Tariq! You have had an exceptional month in your savings discipline. You saved $850.00 (18% above your monthly target) by optimizing 2 unused streaming subscriptions. Your 3 active Sukuk holdings are on schedule for their upcoming quarterly distribution.
Institutional-Grade Sukuk.
Accessible from $100*
Participate in tangible, asset-backed ethical investments with predictable expected profit distributions. No debt trading. No interest (Riba). True ownership sharing.
US Sustainable Clean Energy Sukuk (Series II)
Sukuk al-Ijarah (Utility Lease-Backed)
Global Sovereign Green Waqf Trust Certificate
Sukuk al-Wakalah (Agency & Asset Portfolio)
North American Medical Facilities & Logistics Sukuk
Sukuk al-Murabaha / Ijarah Hybrid
*Proposed minimum investment of $100 is subject to provider requirements, minimum parcel sizes, and final broker-dealer clearing arrangements. Sukuk investments are not insured by the FDIC or any government agency. Sukuk returns are not guaranteed and reflect asset lease rental payments, commercial profits, or cash flows from underlying assets. Capital is at risk, and past performance is no guarantee of future returns. Displayed offerings are simulated prototypes for platform evaluation.
How Tharwa Works
From seamless account opening to institutional Sukuk investing, we make ethical finance intuitive, modern, and accessible.
Create Your Account
Open your ethical digital profile in under 3 minutes with biometric passkey authentication and personalized security preferences.
Verify Your Identity
Complete automated KYC/AML verification using US government-issued photo ID. Bank-grade data protection with instant verification.
Manage Your Money
Deposit funds into your Wadiah safekeeping account, issue virtual debit cards, configure family sub-accounts, and automate smart savings.
Explore Ethical Investments
Browse verified institutional Sukuk, allocate fractional investments starting at $100*, and receive direct asset rental distributions.
Explore the interactive frontend and simulated backend API. Commercial partnerships and licensed depository accounts are underway.
Security You Can Measure.
Ethics You Can Trust.
Our architectural foundation combines modern cybersecurity with strict adherence to ethical, transparent, and non-exploitative financial standards.
Bank-Grade Encryption & Authentication
Every session is secured with TLS 1.3 protocol and AES-256 military-grade encryption at rest. Multi-factor authentication and biometric passkey support eliminate password vulnerabilities.
Regulatory Banking Partnership Model
Tharwa operates as a financial technology platform. Checking accounts, cash reserves, and debit card issuance are planned to be provided through an established, FDIC-insured partner bank upon commercial launch.
Independent Shariah Governance
Every financial product, contract structure, and fee framework is designed for review by an independent Shariah supervisory board in accordance with global AAOIFI governance standards.
Continuous Identity & Fraud Defense
Real-time machine learning monitors unusual velocity, geolocation anomalies, and unauthorized card attempts with instantaneous 1-tap card locking from your mobile device.
THARWA is a financial technology company, not a bank. Banking services, depository accounts, and debit cards will be provided by an FDIC-insured partner bank upon official commercial launch. Deposits will be eligible for FDIC pass-through insurance up to applicable legal limits once the partner banking integration is finalized.
THARWA is not currently licensed as a depository institution, registered broker-dealer, or certified by any regulatory or Shariah supervisory authority. Financial products, advisory boards, and partner institutions are in active development. All features, accounts, balances, and Sukuk opportunities displayed on this platform are simulated prototypes for evaluation purposes only.