HalalBank — Interest-Free Demo

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About this app

A DEMO — NOT A BANK
HalalBank holds no banking licence, holds no real money and moves no payments. It is an open demonstration that compliance with Islamic rules can be held up by the structure of the program itself, rather than by somebody's promise. A yellow band says so on every screen and cannot be dismissed.

INTEREST CANNOT BE REPRESENTED
In most banking software, "interest-free" means an interest-rate field left at zero. Here that field DOES NOT EXIST — not hidden, not zeroed. No contract grows with the passage of time. A late penalty can only be routed to a charity account, never to profit. All three are held by tests that fail if anyone breaks them.

NINE CONTRACTS
• Murabaha — sale at a declared mark-up
• Qard hasan — the good loan, with nothing added
• Ijara — leasing an asset
• Musharaka — partnership, profit and loss shared by stake
• Mudaraba — capital from one side, work from the other
• Wadia — safekeeping
• Salam — paid today, goods later
• Istisna — a manufacturing order
• Wakala — agency for a known fee

ZAKAT, WORKED OUT PROPERLY
Zakat is not "2.5% of the money you have". It is 2.5% of a defined base, and only if that base is above nisab and has stayed above it for a full lunar year (hawl). The app applies nisab as a WEIGHT — 595 g of silver or 85 g of gold — and asks you for today's metal price, because a number baked into the code would go stale and quietly compute the wrong answer. The home you live in, the car you drive and the tools of your trade are excluded. Ushr on farm produce is worked out separately.

THE LEDGER HOLDS ITSELF UP
Every operation is written in double entry. An unbalanced record cannot be created — not refused, but unreachable. That is why the account figures always close.

WHAT IS COLLECTED
You sign in with a username and password against our server. There are no ads, no in-app purchases and no advertising tracking.

THE CODE IS THERE TO BE READ
The ledger core, the contracts and the zakat rules are written in Dart and covered by tests. If someone claims an Islamic bank "just renames interest", this app is the answer that gets measured rather than argued.

What’s new

• The whole app is now in English too, following your device language.
• New: "Try the demo" — explore accounts, Murabaha and Qard hasan contracts and the zakat calculator without signing up.
• You now see only your own accounts.