Averox
Sharia-compliant · Enterprise-grade

Housing finance from application to signed agreement

One platform for Islamic loan origination, AI credit assessment, department workflows, and PKI-backed e-signing — built for microfinance and institutional lenders.

Start an applicationStaff sign in
Averox PKI DocsMove signing Full audit trail
Islamic Finance AI — Dashboard

In review

24

Approved

18

APP-2026-0142

Signing

Murabaha housing · PKI package ready

3 of 4 signers completed · OTP verified

70%

Faster origination

98%

Credit model accuracy

100%

Audit trail coverage

PKI

Qualified e-signatures

Platform

Everything your lending team needs

Replace fragmented spreadsheets and email chains with a single, compliant operating system.

AI Credit Engine

Sharia-aware scoring with narrative explanations and policy-driven decisions.

Department Workflows

Route applications across risk, Shariah review, and operations with SLA tracking.

Document Intelligence

OCR, soft-form editing, and verified document packages in one workspace.

Native E-Signing

Studio placement, OTP verification, and PKI-backed signatures via DocsMove.

Client Portal

Applicants track status, upload documents, and sign agreements online.

Compliance Vault

Immutable audit logs, ECIB integration, and regulatory-ready reporting.

Workflow

Four steps to disbursement

01

Apply

Customer submits housing finance application via portal or branch.

02

Assess

AI credit engine and document OCR feed a unified risk profile.

03

Approve

Multi-department workflow with Shariah and credit checkpoints.

04

Sign

PKI e-signatures close the loop with a tamper-evident audit trail.

Modules

Modular by design

Open staff dashboard
Origination

Application Hub

  • Product templates
  • Customer KYC
  • Document checklist
Risk

Credit Policy Engine

  • Rule sets & versions
  • ECIB snapshots
  • GPT narrative
Operations

Signing Studio

  • PDF field placement
  • Multi-signer packages
  • OTP verification

Ready to modernise Sharia-compliant lending?

Deploy Islamic Finance AI for your institution — from first application to qualified electronic signature.

Apply as clientStaff portal