Fotoh, INC.
The Products of Fotoh, Inc.

Many products. One mission.

Bring the ummah back to the system Allah revealed and humans abandoned. Each product solves a real problem. Together, they restore what was lost.

Every product below carries a plain status and no percentage: Live — shipped and in use. In build — partly built, not finished. Specified, not yet built — designed, with no running product. Concept — an intention, with nothing built. Where a page describes something that does not exist yet, it says so.

The chain

قُلْ هُوَ ٱللَّهُ أَحَدٌ

The Quran is the curriculum. Qualify (the book) is the introduction. The masjid is the school. The athan is the bell. Live Athan is the bell carried into every pocket — the masjid's loudspeaker, extended over the internet to anyone, anywhere.

From there, the rest of Fotoh follows the believer through life. MMS serves the masjid. MIS holds each masjid's record. Meathanah keeps what the masjid sends out. Tasmeea and SARD help the believer carry the Quran. The Companion answers the questions of daily life and hands the hard ones to a real scholar. Matrimonial and COMPLOY are services inside it. Mushaf Cover sits beside the mushaf. Qardon, Recovery, Karam and qardon.com remove the disqualification of riba, and Baitulmal is the engine behind them. MRN, Haris and Masjid Builder are meant to keep the masjid connected, protected and multiplied.

Each product serves a real need. Together, they let a believer live the deen without compromise — at home, at work, at the masjid, at the bank, in the kitchen, in the car, on the road, in calamity, in joy.

Cluster I

The new way of delivering athan

The first door. The app every Muslim opens five times a day. Athan, iqama, salat, dars, and khutbah carried over TCP/IP from the masjid loudspeaker — or from any user's mobile broadcasting app inside the masjid — to every Live Athan user on earth. The masjid's voice reaches its diaspora and its travelers, no longer limited to the few hundred meters its loudspeaker can throw.

المئذنة
01
The Gateway
Product 01 Live Free, for everyone

Live Athan

It tells you whether a masjid is alive right now — and carries the athan, the khutbah and the dars from the masjid's own room to your pocket, your car and your living room. Live on the App Store since 2026-08-13.

For 1,400 years, the call to prayer traveled by air. The minaret stood tall so the Prophet's call would carry a few hundred meters through the streets — to the believers who lived within earshot. The athan was bound by physics. Distance silenced it.

Live Athan ends that limit. The masjid now pushes its athan, iqama, salat, khutbah, and dars through its own sound-system feed — or through any worshipper's phone running broadcasting mode while standing inside the masjid during prayer time. Every Live Athan user who has connected to that masjid receives the live signal. The masjid's voice reaches its diaspora, its travelers, its students who moved abroad, and any believer anywhere in the world who wants to be present for that community's salat.

On top of that sits a prayer companion: prayer times computed on the device with no network, qibla, the athan chain including the masjid's own recording, Listen Live, Masjid Mode — open to everyone, with no enrolment and no role — the masjid's own iqāmah table with its source labelled, Announcements, Tasbeeh, and Apple TV. It is free, and it carries no financial surface of any kind: no Companion, no Ummah Stars, no Qardon, nothing to pay. It does not translate or caption the khutbah, it never reports how many people listened, and it runs on iPhone and Apple TV — there is no Android build.

"Live Athan is the gateway for the trust. People will trust Live Athan because it brings them the live masjid activities. It is the new digital loudspeaker from the masjid nearby."— Awwad Alhabli, founder, 2026-04-27

How it serves the ummah

It puts the masjid in every pocket — for the believer at home, the traveler far from any masjid, and the diaspora who left their childhood mosque years ago and still want to hear it call them to prayer.

Read the full Live Athan brief
Cluster II

The masjid infrastructure — and the technology that extends it

Three products for the masjid itself. MMS is management infrastructure for the volunteer-run community masjid, and the masjid never pays for it. MIS is the engine that holds each masjid's record and serves it, with its source labelled — one demanded masjid at a time, never by crawling the world. Meathanah receives what a masjid chooses to broadcast, filters it, and keeps it.

المسجد
02
Free Management Platform
Product 02 In build The masjid never pays

MMS — Masjid Management System

Management infrastructure for the volunteer-run community masjid. The masjid never pays — and a masjid cannot sign up and use it today. Which build of the console is deployed is not written down anywhere; treat what you see as unverified.

Running a masjid in 2026 looks more like running a small business than running a house of worship. Donations, accounting, payroll, 501(c)(3) compliance, event scheduling, volunteer coordination, displays in the lobby, content for the Friday newsletter, federal grant applications, board minutes, contract templates. Most masjids handle it with spreadsheets, a part-time bookkeeper, and a treasurer who learned by doing.

MMS is designed to replace all of that with one panel the masjid controls, with voice as an addition rather than the whole interface — the imam says the iqāmah changed and the record changes. That is the design, and most of it is not built. What exists today is the masjid's own public page, served from one shared template, and a modest console for the iqāmah table, announcements and events. The finance modules, the CRM, the volunteer scheduling, the prayer-hall displays and the voice layer end to end are specified and not yet built, and a masjid cannot sign up and start using MMS today.

What is promised is not a feature list but a covenant: no masjid site is ever taken down, degraded, throttled, watermarked or feature-gated for money — not for non-payment, not for refusing an upsell, not for adopting a competitor — and the masjid's data is the masjid's, exportable at any time. Where a masjid keeps its own 501(c)(3) compliance, MMS is designed to serve the masjid's records; Fotoh files nothing on a masjid's behalf and issues no tax document of its own.

How it serves the ummah

It is meant to return the imam and the masjid president to the work they were called to do — serving the community and teaching the deen — instead of fighting QuickBooks at 11 PM.

Read the full MMS brief
المعلومات
03
The Invisible Engine
Product 03 Live Infrastructure

MIS — Masjid Information System

The invisible engine that holds each masjid's record and serves it honestly. Nobody signs up for MIS.

Nobody knows how many masjids exist on Earth. Estimates run from 1.5 million to 3.6 million. There is no canonical registry. No central database of prayer times. No standard format for hours, services, imam names, or contact info. Every masjid that wants to be visible online builds its own website from scratch — and most don't.

MIS is the infrastructure that answers this, silently and one masjid at a time. It holds a masjid's identity, position and iqāmah record, and serves it with the source and the confidence labelled — the masjid's own published table always wins, then its own website, then a worshipper's typed correction, and a phone entry never overrides what the masjid published. Where the masjid has published nothing, MIS says so rather than passing a calculated time off as the masjid's. Each masjid's public website is rendered from one shared template, and it is a gift that is never withdrawn for money.

Two things MIS pointedly does not do. It does not crawl the world: a masjid enters the active set when a real worshipper appears for it, because paying to index masajid no one asks for serves nobody. And there is no census — no heat map, no density map of where Muslims live, no masjid-needed alert. That was designed and never built, and no surface may speak of it as though it runs. A prayer app must never make a Muslim feel watched for praying in his own home.

How it serves the ummah

It gives a masjid an honest record and a page of its own, and it tells a traveller the truth about a masjid's iqāmah — including when the masjid has not published one.

Read the full MIS brief
المئذنة
04
The Digital Minaret
Product 04 In build Infrastructure

Meathanah — The Digital Minaret

The archive and broadcasting engine behind Live Athan — the «مئذنة» surface, not an app of its own. There is nothing here to download.

Meathanah takes the name of the minaret — المئذنة — the structure from which the athan is delivered. The minaret was the original broadcasting tower. Meathanah is the digital one. It carries the audio of the masjid — the athan, the iqama, the imam's recitation in salat, the khutbah, the dars — to anyone with Live Athan who has connected to that masjid.

Meathanah reads the phase of a prayer event — athan, iqāmah, ṣalāt, the closing salām — and keeps one continuous broadcast through it, with a content filter that refuses what a masjid channel must never carry. One thing must be said plainly, because the site used to claim the opposite: the whole time inside the masjid is carried, by the founder's own ruling that no call should be stopped while you are in the masjid. The between-phase mute is off. And the microphone is not always listening — outside the masjid it is deaf, inside the masjid but outside the prayer window it is deaf, turning the switch on is the consent, and no coordinate is transmitted by that path.

Meathanah has no app of its own. It is the «مئذنة» surface inside Live Athan on the iPhone and inside Live Athan on Apple TV, and the engine behind them. Its scope is the masajid's own contents and the lectures that took place in the masajid — nothing else. There is no follower count, no view count, no like and no trending list, by ruling; and a recording is never presented as live.

How it serves the ummah

It is meant to make every salat in every masjid available to every believer who wants to be present — without compromising privacy and without ever airing a single haram sound. Today one masjid, مسجد بدر in Fresno, is proven end to end.

Read the full Meathanah brief
Cluster III

Quran guidance preserved in hearts — forever

Two tools meant to keep Allah's guidance in the hearts of the ummah. Tasmeea is the personal hifz companion that listens as you recite, outside salat. SARD is designed so that one sheikh can hear many students, with the machine pre-screening the errors so his time goes only where it matters. The Quran was preserved through 1,400 years of human hifz; neither of these tools replaces the teacher, and neither is finished.

تسميع
05
Hifz Companion
Product 05 In build The reciting is free

Tasmeea — Quran Memorization

An AI companion for personal hifz, outside salat. The reciting is free.

Memorizing the Quran is one of the most beautiful undertakings a believer can pursue. Traditionally it required a teacher present at every recitation — to catch every missed letter, every weak tajweed, every confused ayah. The teacher is irreplaceable for the soul of the practice. But for the daily repetition, the spaced reviews, the third or fourth pass of a surah you memorized last month — a teacher's time is scarce and expensive, and the student often practices alone with no feedback.

Tasmeea is designed to sit beside the student in those solo sessions: you select the surah and ayah range, recite into the phone, and it follows along against the Quranic text to show you where you went wrong. Part of that is built and part of it is not. The recitation screen and the listening work exist; the accuracy scoring, the tajweed rules engine, the review scheduler and the mastery record do not yet. Nothing here ships Quran-specialised recognition, and the page will say so until it does.

Tasmeea is hifz practice outside salat. The in-salat verse features that once belonged here moved into Live Athan in April 2026 and are no longer Tasmeea's.

The reciting is free, without caps. Charging for it would be charging to memorize the Quran, and that is not something Fotoh will do. A family or teacher progress dashboard — management, not worship — is the paid part, and it has no price yet.

How it serves the ummah

It is meant to return the Quran to the daily hands of every believer with a phone — the night-shift worker, the busy mother, the student abroad — anyone who wants to memorize but cannot afford a tutor.

Read the full Tasmeea brief
سرد
06
Recitation Review
Product 06 Specified, not yet built Students never pay

SARD — Recitation Review with a Sheikh

One sheikh, many students. The sheikh stays the authority; the machine does the pre-screen. Designed, and not yet built.

A traditional sard session — where a student recites long passages of Quran to a qualified sheikh for verification — is bottlenecked by the sheikh's ears. He can listen to two, maybe three students at a time. The waiting list at any reputable shaykh runs months long. Many serious memorizers travel internationally to find a sheikh with available slots.

SARD is designed to move that bottleneck. The student records his recitation; the machine marks the likely errors and scores how hard each is to fix; the sheikh plays only the flagged passages and records his own voice correction. None of it is built. There is no pre-screening engine, no sheikh console, no student queue and no backend — the existing code implements an older definition of the product that was set aside. Nothing here can be bought or used.

The sheikh remains the authority. The machine does not approve recitations, does not issue ijāzah, and does not pretend to be a teacher. Students never pay, and certificates of Quran are never sold.

How it serves the ummah

It is meant to shorten the waitlist at every great sheikh — so the believer who has memorized the Quran can have it heard, wherever he lives.

Read the full SARD brief
Cluster IV

The intelligence layer — answers in every domain, every language

Two products that meet the believer where the question is asked. The Companion is a researcher and the secretary of the shuyūkh: it brings back what real scholars have already said, with the evidence and a link, and it never issues a fatwa. Ummah Stars — the scholar clones — is switched off in the product and is not available. Global Translation is designed to carry the khutbah into the listener's own language; it is not deployed, so nothing of it can be used today.

الرفيق
07
Companion · Ummah Stars
Product 07 In build Ummah Stars is off

Fotoh AI — Companion & Ummah Stars

The researcher and secretary of the shuyūkh. It never rules, and it never speaks for a scholar. Ummah Stars is switched off in the product.

Fotoh AI is two robots with one absolute rule between them. It does not live inside Live Athan: the prayer app carries no Companion and no Ummah Stars.

The Companion is Fotoh's researcher and the secretary of the shuyūkh. It answers by finding what real scholars have already said and quoting them with the daleel — the āyah, the hadith with its grading and source, or the named scholar with a link — and it labels any conclusion of its own as its own. It never issues a fatwa. When it cannot find that a scholar has answered, it says "I do not have this" without embarrassment and offers to send the question to a real ʿālim, from the person's own email address, never from a platform address. No machine-written religious ruling, ever.

Ummah Stars — the scholar clones — is switched off and is not available. By design a clone would deliver only what a named scholar actually said, with the source, and never a word more; fabricating on a scholar's behalf is haram and the guard against it is the first thing that was built. But the scholars' content library is not ingested, so the gallery is off in the product. It may not be spoken of as something a person can use.

The split is the foundation: the Companion may form conclusions and label them; a scholar clone may not form any. The Companion is the platform's voice; the clone would be the scholar's. Confusing the two would destroy the trust that makes either worth having. eProfile, the internal record of what a person did on the platform — never who we guess he is — has no public product and no site. It is never shared and never sold.

How it serves the ummah

It is meant to put an honest researcher in every believer's hand — one that brings back what the scholars have said, and never puts words in a scholar's mouth.

Read the full Fotoh AI brief
الترجمة
08
Real-Time Translation
Product 08 In build A shared capability

Global Translation

The language layer of the ecosystem, designed for the man who attends Jumu‘ah every week without understanding the imam. Nothing is deployed.

A Bengali Muslim visiting a Saudi masjid for Friday prayer used to stand silent through the entire khutbah — hearing the imam's voice but understanding nothing. A Hispanic convert at her local Arabic-language masjid faces the same problem every week. Indonesian students at universities abroad miss the meaning of every dars they attend.

Global Translation is designed to take the khutbah audio and give the listener subtitles in his own language, carried by a curated Islamic term dictionary so that technical words — fitnah, taqwa, ihsan, tawakkul, ijtihad — keep their precise meaning instead of being flattened into generic English. Nothing is deployed. The backend is written and type-clean and the dictionary holds 176 curated entries with English the only complete language; no provider has been chosen, no key exists, and the phone-side wiring is a scaffold. This is not something a person can switch on today.

Translation is not a standalone app: it is a shared capability of the products around it — live inside Live Athan, archived inside Meathanah — and it is designed to be sold to masjids as an add-on beside MMS rather than as a subscription a worshipper buys. A scholar's lecture is never re-hosted and never re-voiced: without the scholar's own agreement, Fotoh links and attributes and does nothing else.

How it serves the ummah

It is meant for the poor man who has attended Jumu‘ah for years without understanding a word of the khutbah.

Read the full Translation brief
Cluster V

Building the righteous society — productive families

Two services designed to live inside the Companion. Matrimonial is meant to make matchmaking supervised and family-present, with the imam’s oversight and nothing happening behind closed doors; COMPLOY is meant to reach a person looking for halal work as a conversation rather than a form. Neither is built, and there is no employer network. A married believer raising children in stability and a working believer earning halal income are the building blocks Allah designed the ummah around — and that is the aim these two are written down to serve, not a description of anything running today.

النكاح
09
Sharia-Compliant Matchmaking
Product 09 Specified, not yet built Inside the Companion

Matrimonial

Supervised, family-present, imam-overseen matchmaking conducted by the Companion — a service inside it, not a platform. Specified, and not yet built.

Muslim singles looking for marriage have a difficult choice: dating apps that treat them like every other secular user (with all the haram that follows), or community-network matchmaking through aunties and uncles (which works but is slow, narrow, and increasingly impractical for diaspora Muslims). Neither serves a believer who wants to marry the right person, fast, without compromising the deen.

Matrimonial is designed as a third way, inside the Companion rather than as an app of its own. The Companion would moderate the first meeting — family present on both sides, nothing proceeding without the masjid imam's consent, and the conference itself never stored. It would ask the questions both sides need answered and feel awkward asking. None of it is built: there is no conference infrastructure, no imam console, no compatibility work, no application flow and no family-presence check.

If a meeting went well, families would take it offline for the next step, exactly as Islamic tradition prescribes. There is no price for this and there will be none until Awwad rules: an inviolable rule says the matching is never charged for, and a later document sets a figure. Never a success fee for a marriage — that was considered and refused, because it rewards rushing a nikah.

How it serves the ummah

It is meant to let Muslim families arrange a marriage without the haram of dating apps and without the geographic limits of the aunty network.

Read the full Matrimonial brief
الرزق
10
Employment Assistance
Product 10 Specified, not yet built Inside the Companion

COMPLOY — Employment Assistance

Job matching and interview coaching that reaches a person through the Companion — a service inside it, not a platform. Specified, and not yet built.

Job hunting is one of the most isolating parts of adult life — and the Muslim community has historically helped its own through informal networks at the masjid. But those networks are local, slow, and dependent on who happens to know whom that month. Meanwhile, the broader job market is dominated by LinkedIn and Indeed, neither of which knows or cares about the believer's halal income requirements, prayer-break needs, or Friday Jumu'ah obligations.

COMPLOY is designed to reach a person as a conversation rather than a form — tell me about your situation — inside the Companion, alongside Matrimonial: one application, not three. The intent is interview coaching, matching skills to opportunities in halal work only, and handing off to Qardon when the real problem is money rather than the job. None of it is built: there is no coaching engine, no skill assessment, no matching, no employer directory, no resume generation and no scheduling. There is no employer network.

The design also routes a lost-work calamity claim filed with Recovery toward COMPLOY, so a person who has lost his income is offered help finding work rather than only a payout. Seekers would never pay; employers would. How halal work is verified is an open question, so this page promises no vetting of any employer.

How it serves the ummah

It is meant to help a Muslim looking for work do it with dignity, through a conversation and not a form.

Read the full COMPLOY brief
Cluster VI

Focus on the Quran's meanings

One device designed to sit beside the mushaf you already hold — page navigation, bookmarks, annotations, tafseer, search and voice recognition on a Quran-sized panel, so the reader’s attention rests on meaning rather than on logistics, and without losing the physical sanctity of the printed Quran. It does not exist yet: the firmware has not been written, no hardware has been made, and most of the screens are still mock-ups. The mushaf you hold is still the mushaf; the cover around it is meant to let you stay with the words longer.

المصحف
11
E-Ink Cover Device
Product 11 In build Hardware — no price, no ship date

Mushaf Cover

A Quran-sized reading device meant to live with your physical mushaf. The device does not exist yet.

Reading the Quran from a phone is convenient but spiritually shallow for many believers — the same screen that just showed Instagram is now displaying Al-Fatiha. Reading from a printed mushaf is sacred but lacks search, lookup, tafseer, bookmarks, and translation. The believer chooses between the device they trust spiritually and the device they trust functionally.

Mushaf Cover is designed to collapse that choice. The printed Quran stays in its bound, sacred form; a Quran-sized device lives with it and carries page navigation, tafseer on the current ayah, translation, bookmarks, notes, search, and voice recognition meant to teach the reader and help keep the Quran in his heart. It never replaces a page of the mushaf. The device does not exist. The iOS side is part-built and most of its screens are mock-ups; the device firmware has not been written, no hardware has been made, and the display technology is not settled.

There is no price and no ship date, and there will be neither until Awwad sets them. What the store holds is a waitlist: an email, no money, no date. This is the only Fotoh hardware that would touch the Quran directly, and it will not be announced before it is real.

How it serves the ummah

It is meant to return the believer to the physical mushaf without giving up modern study tools — a printed Quran with a companion at its edge.

Read the full Mushaf Cover brief
Cluster VII

Financial independence — productive in society, free from riba

The products that lift a believer out of riba's gravity well. Qardon is the interest-free lending record — a lender lends, as a permanent waqf or for a set period he chooses, and the money stays in accounts in his own name. Recovery is calamity aid paid from the yield those awqaf earn. qardon.com is the marketplace where a price is agreed once and never grows, and Karam is the service for a senior who owns her home and can no longer manage alone. Together they answer the questions that quietly trap families in interest-bearing debt: "Where do I borrow when I need to?", "How do I buy without riba?" and "Who is there when something breaks?"

قرض حسن
12
Live Interest-Free
Product 12 In build One company · qardon.org + qardon.com

Qardon — qardon.org

The remedy of riba. A lender lends — permanently, or for a set period he chooses — and qardon.org records rather than holds.

For 120 years — since the historical Bait al-Mal closed around 1924 — Muslims have been forced to think of Allah last when they need money. They go to the bank first, sign the interest-bearing loan, then maybe ask the imam to make du'a that Allah eases the debt. Qardon reverses the order. Allah first.

The mechanism is ancient. A person lends — not gives — and lends as waqf: permanently, or for a set period he states, after which it is returned to him in full. Allah did not say who gives Allah a qard hasan; He said lend Allah a beautiful loan. The money stays in an account in his own name and moves directly between people's own accounts: there is no pool account and no escrow, and money never passes through a Fotoh account at any moment. The corpus lends at 0% and is repaid whole; the yield the invested corpus earns is what meets a calamity claim. The lender never sees a borrower, and the borrower never sees a lender.

The dignity principle is absolute. No borrower records a video begging. No borrower tells a story — the application asks facts. No lender picks a face. A lender sees exactly three things and nothing more: his balance, his cycles, and the number of families helped. Never a count of his hasanah — no software may total a person's standing with Allah — and never any detail of a single loan or borrower. Islam forbids the humiliation of the receiver looking up at the lender, and the architecture is built to make that impossible rather than merely discouraged.

Qardon is one company: Fotoh, Inc., which is for-profit. qardon.org is a technology platform Fotoh owns and operates. It records; it does not hold and does not own — and it is not a nonprofit, not a 501(c)(3), and it will not seek that status. It holds nothing in escrow, issues no tax document of any kind, and promises no deductibility, ever. qardon.com is the marketplace and installment side of the same company. There are no late charges of any kind: a late buyer is late, and the price does not move. The money door is not open yet — what the site takes today is a record.

"It is a goodly loan because it is a loan to Allah. He is the one who is going to make it multifolds in His scale — whether in this world or in the hereafter, irrelevant."— Awwad Alhabli, founder, 2026-05-09

How it serves the ummah

It is the practical, operational alternative to the riba-based banking system — the way Muslims and non-Muslims alike can borrow, save, and protect each other without a single interest payment ever changing hands.

Read the full Qardon brief
العافية
13
Calamity Aid
Product 13 In build A service of qardon.org

Recovery

Calamity aid funded by the yield the community's awqaf earned — a service of qardon.org. Anyone may apply. Claims are reviewed today; payouts are not open yet.

When a fire, an accident, an illness or a sudden loss strikes, anyone may apply — member or not, lender or not, and regardless of faith. Eligibility turns on the calamity and on what is available, and on nothing else: nothing needs to have been lent first, there is no tier, and there is no waiting period. The review asks three factual questions — did the event happen, is the documentation legitimate, is the loss amount reasonable — and no human adjudicates an individual claim. A payout is met in full, in part, or not at all according to what the yield has made available.

Recovery is paid from the yield the community's invested awqaf have earned — never from anyone's corpus, which is inviolable. It is a record, not a pot: nothing is set aside, nothing is earmarked, and no money is held anywhere by Fotoh. An approved claim is paid account-to-account from lenders' own yield accounts directly to the person struck, and no Fotoh account is ever in that path.

Recovery is calamity aid. There is nothing to buy, nothing to subscribe to and nothing to sign; it is not a regulated financial product, and no amount is guaranteed. No story is asked for, no photograph of suffering, no vouching; a person waiting is told how long he has waited and where his claim stands, never given an invented date, and never told that lending more would move him up the queue.

Claims are accepted and reviewed today. Payouts are not open yet, and a person who files will be told when they open. Recovery is one of the engines of qardon.org, beside the lending record and Karam.

How it serves the ummah

It is meant to be there when life breaks — for anyone, without a contract, and without paying month after month out of doubt that Allah will help.

Read the full Recovery brief
كرم
17
A Service of qardon.org
Product 17 Specified, not yet built A service of qardon.org

Karam

For a senior who owns her home outright and can no longer manage alone. She is charged nothing, ever — and Karam is not open yet.

Karam is a service of qardon.org for seniors who own their home outright and can no longer manage alone. The home becomes a permanent endowment recorded in the senior’s own name, and in return the senior is designed to receive comprehensive, dignified care for the rest of her life. She is charged nothing, ever, and care is never priced to what the home is worth. The senior chooses what happens to the home — keep it, sell it interest-free to a family who then carries the care, or rent it — and whichever she chooses, the home’s value becomes a perpetual interest-free fund that carries her name.

Karam also exists to protect seniors from financial abuse, and that is part of the point rather than a footnote. It includes help claiming the benefits she has already earned, and the estate documentation and inheritance calculation so her family’s rights are clear — never paired with a beneficiary Karam has an interest in.

Karam is not open yet. The whole instrument sits behind a legal gate: no real sale, no buyer note, no guarantee, no payment and no endowment happens before counsel has cleared it, and no vetted care network exists. So this page describes what Karam is and what safeguards are designed into it — it is an invitation to a conversation, not an offer. No senior has been served, there is no story to tell, and nothing here promises that a nurse, a doctor or a couple is available to be assigned.

How it serves the ummah

It is meant so that an elderly person who worked a lifetime for a home does not have to sell it, sign it away, or take a reverse mortgage in order to be cared for in it.

Read the full Karam brief
السوق
18
The Marketplace
Product 18 Live for browsing, listing and 0% offers qardon.com — the money door is not open

Qardon Marketplace — qardon.com

Buy and sell anything an owner is willing to carry, at one fixed price paid over time, with no interest — ever.

qardon.com is a marketplace for homes, cars, land, mobile homes, equipment, boats and businesses, sold at one fixed price paid over time. There is one price, the same whether paid now or over time. It is agreed once and never grows — not with time, not with lateness, not with anything. That is the whole covenant, and it is why there is nothing on the site to compare against a bank’s financing: a price paid over time and an interest-bearing loan are not two versions of the same thing.

Buyers pay nothing, ever. Sellers list free, and a seller is offered an honest fork: carry at his one price — the same whether paid now or over time — or take cash today. The professionals who close deals — dealers, agents, brokers, escrow, title — pay nothing today; the platform makes the opportunity and a licensed professional closes it.

qardon.com is not a lender, not a bank and not a finance company. It is not the guarantor of any sale, it does not hold anyone’s money, and it does not collect installments — the buyer pays the seller directly, bank to bank, and the seller receives every payment himself; the seller stays the legal owner on the title until the last payment. It is not a nonprofit and issues no tax document. What a visitor can do today: browse and search by category and by distance, see a listing with its fixed-price terms, list something free, and make a 0% offer. Several further lanes are built but deliberately not wired open, each waiting on counsel or on a decision that is Awwad’s.

How it serves the ummah

It is how a Muslim buys a car or a house without riba — one price, agreed once, that never grows.

Read the full Qardon Marketplace brief
بيت المال
19
Internal Engine
Product 19 In build No public surface

Baitulmal

An internal engine. It has no public face, nothing to sign up for, and nothing it asks of anyone.

Baitulmal is listed here for completeness and nothing more. It is the engine inside Fotoh that manages qard-hasan money at scale — the conductor over the books, the waqf record and the marketplace rather than a thing a person opens. It has no public surface: there is nothing to sign up for, nothing to download, nothing to buy and no page behind this paragraph. It is not a bank, it is not a pool, and it holds nothing: every dollar it accounts for stays in the account of the person it belongs to, in that person’s own name, and no treasury anywhere holds anyone’s money. Whatever a person sees of its work, he sees on qardon.org under that name.

Cluster VIII

The masjid extended by technology — connected, protected, multiplied

Three products meant to extend the masjid's service. MRN is designed to keep it reachable when the grid fails. Haris Al-Masjid is meant to protect the people inside it and carry what happens inside it out. Masjid Builder is the construction arm inside MIS. All three are early — one is a software proof of concept, two are concepts — and none of them can be bought today.

صمود
14
Off-Grid Mesh
Product 14 In build Hardware — nothing orderable

MRN — Masjid Resilience Network

A solar-powered mesh designed to keep masjids reachable when the internet and the grid both fail. Software only today — no node exists.

Modern masjids are completely dependent on the public internet and the public power grid. When either fails — natural disaster, cyber attack, wartime infrastructure collapse, regional outage — the masjid goes silent. Prayer times stop updating on the display. The imam cannot reach the congregation. The neighboring masjid 800 meters away might as well be on the moon.

MRN is designed to turn a masjid into a self-powered communication node: WiFi for the people inside, and a LoRa mesh to the neighbouring masajid, which are already two hundred to eight hundred metres apart, with minarets as the natural antenna mounts. City-to-city radio is a later layer and not part of this design.

Today MRN is software only. A proof of concept runs; no node has been assembled, no enclosure designed, and no hardware purchase has been authorised. Nothing is orderable, and no parts cost is published — the parts list itself is not settled, so any figure here would be a guess. Awwad has also ruled that MRN and the Live Athan broadcast substrate are one network seen from two angles; that reconciliation has not yet been written.

How it serves the ummah

It is meant so that when the grid or the internet fails, the masjid does not go silent — because the ummah cannot afford to lose its central institution to a power outage.

Read the full MRN brief
الحارس
15
Guardian of the Masjid
Product 15 Concept Hardware — nothing orderable

Haris Al-Masjid — Guardian of the Masjid

One installation meant to protect the people inside the masjid and to carry what happens inside it out. A concept — nothing is built.

Masjids around the world face an escalating threat profile — vandalism, harassment, hate crimes, and worse. Most masjids have minimal security: a single front camera, a part-time volunteer, a phone number for the local police. When something happens, the response is reactive and the evidence is poor.

Haris Al-Masjid is designed as cameras with behaviour detection running on hardware inside the masjid, meant to tell the imam arriving for Fajr from someone casing the building, to deliver a clear spoken warning in the intruder's own language, to reach emergency services, and to leave evidence the masjid itself holds. It is a concept. The entire codebase is one unfinished classifier; nothing detects anything today. No drone flies itself — where a drone is ever used, a licensed human pilot flies it, because there is no lawful autonomous alternative.

The idea is that the same cameras that guard the masjid also carry the khutbah out, so the hardware that protects also teaches. How that picture is managed is still an open question at the founder's desk, and no automatic director exists. The hard rails are absolute and are not features to be traded away: never facial recognition of congregants, never cloud surveillance, never remote access by Fotoh, and only a camera the masjid connects by its own hand — looking at the miḥrāb and minbar, never at strangers. Reach is reported privately to the imam and the mu'adhdhin, never published as a popularity figure. Nothing here is purchasable.

How it serves the ummah

It is meant so that a masjid is not caught unprotected — and so that the same equipment carries its teaching out to the world.

Read the full Haris brief
بنّاء
16
Robotic Construction
Product 16 Concept Module inside MIS

Masjid Builder — بنّاء المسجد

The construction arm inside MIS. Nobody uses it — and nothing has been built.

Building a new masjid today takes years — community fundraising, land acquisition, architectural design, permitting, contractor selection, construction. Most communities that need a masjid never get one because the timeline outlasts the will.

Masjid Builder is designed to shorten that timeline: where a community has Muslims and no masjid near them, Qardon's lenders fund the build interest-free and robotic 3D-printed concrete and modular assembly raise it from standardised regional designs, with the qibla computed for the exact site. It is a concept and it is deliberately deferred. No code is to be written from its specification until MIS is mature, and nothing has been built.

The intent is that a new masjid arrives with its management, connectivity, protection and broadcasting already in place. Fotoh manages projects; it does not own printers or a robot fleet, and it would work through licensed general contractors. Land is the community's, never Fotoh's. No cost figure is published — none in the corpus has been validated, and printing an unvalidated number here would be inventing one.

Masjid Builder is not a standalone product. It is a module inside MIS, and nobody uses it: the only user-facing touch it would ever have is a notification that a masjid is being planned nearby, and a way to lend through Qardon. It promises no paper of any kind — no nonprofit status, no receipt, no deduction.

How it serves the ummah

It is where the chain is meant to close: from a community with no masjid, to a masjid that runs itself from the day it opens.

Read the full Masjid Builder brief

One chain. One mission.

Live Athan brings the believer in. MMS serves the masjid and MIS holds its record. Meathanah keeps what the masjid chooses to send out. Tasmeea and SARD carry the Quran. The Companion answers the questions and hands the hard ones to a real scholar. Matrimonial and COMPLOY live inside it. Mushaf Cover sits beside the mushaf. Qardon, Recovery, Karam and qardon.com remove the disqualification of riba. MRN would keep the masajid reachable, Haris would guard them, Masjid Builder would raise the next one, and Baitulmal is the engine that manages the money at scale. Some of that is shipped, some is half-built, and some is still only written down — and this page says which is which.

Each product solves a real need. Each one alone is useful. Together, they restore what the ummah lost when the Bait al-Mal closed in 1924 — and rebuild it for a world drowning in interest-based debt and disconnected from its own deen.