Qardon — Fotoh, Inc. Product #12

The remedy of riba, and the ultimate goal of the Fotoh ecosystem. qardon.org enables a person to manage the property he has withheld — cash or real estate — to lend it out as interest-free loans, and to invest it so that its yield is spent fī sabīlillāh. He lends; he does not give it away. The corpus is lent, permanently, as waqf. Allah did not say who gives Allah a qard hasan; He said lend Allah a beautiful loan. Borrowers repay in full and the same money lends again — sadaqah is consumed once; a qard hasan revolves. Do you know what a waqfiyyah is? It is the deed for your waqf.

0% from either side. What a lender lends enters whole. What a borrower receives arrives whole. Nothing in between can resemble interest, and there are no late charges of any kind, ever — a late buyer is late; the price does not move. qardon.org is a technology platform owned and operated by Fotoh, Inc., a for-profit company. It records; it does not hold and does not own. 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.

What it does

A lender lends — as a permanent waqf, or for a set period he states, after which it returns to him in full. The money stays in accounts in his own name and moves directly between people’s own accounts. There is no pool account and no escrow.
Borrowers receive the full amount at 0% and repay in fixed installments. The same money lends again.
The application asks facts, never stories. No video, no narrative, no photograph of hardship.
A lender sees three things and nothing more: his balance, his cycles, and the number of families helped. Never a count of his hasanah, and never any detail of a single loan or borrower.
The borrower never sees a lender, and the lender never sees a borrower.
Recovery, the calamity aid, is paid from the yield the invested waqf earned — never from the corpus.
qardon.org records. Money never passes through a Fotoh account at any moment.

How it connects to the ecosystem

Qardon is the destination of the Fotoh chain. Recovery and Karam are services of qardon.org, not products of their own. qardon.com is the marketplace and installment side of the same company. Live Athan carries no financial surface at all — no lending, no payment, nothing — so Qardon is reached at qardon.org and not through the prayer app.

How the money is held: qardon.org never receives it and never holds it. Each person’s money sits in an account in his own name and moves directly between such accounts. There is no pool account and no escrow. What a lender lends is a qard hasan to Allah — a loan, not a gift — and it is not a charitable contribution: no receipt is issued, no tax document exists, and no deductibility is promised or implied.

Want to take part?

Lend, borrow, or file a Recovery claim at qardon.org. It is a platform of Fotoh, Inc. — not a charity — and it records rather than holds: your money stays in an account in your own name. The money door is not open yet; what the site takes today is a record.

Visit qardon.org →

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