Invest with purpose. Build with
conviction.
Shariah-compliant investment options, screened against recognised Islamic
finance principles and connected to the rest of your financial life.
Your values belong in
your financial future.
Your faith can shape what you are building towards, and how you
choose to build it.
Vault22 brings Shariah-compliant investing and practical Islamic finance tools into one clearer view, helping you understand the principles, explore the options and make decisions that remain your own.
A considered approach, grounded
in Islamic principles.
Our Shariah Supervisory Board establishes the standards against which
investment options are reviewed, and oversees the compliance process over time.
Sheikh Dr. Yousuf Sultan
PhD in Islamic Finance, INCEIF Malaysia. AAOIFI Shariah Standards Committee member and Certified Shariah Adviser and Auditor.
Sheikh Dr. Irshad Ahmad Aijaz
PhD in Islamic Finance, University of Karachi. AAOIFI Shariah Standards Committee member and chair of Shariah advisory committees in Pakistan.
Mohamad Mishal
Master of Islamic Finance Practice, INCEIF Malaysia. Certified Shariah Adviser and Auditor, with expertise in Shariah governance and Islamic capital markets.
Understand how each investment
is screened.
Every option is assessed against defined Shariah standards before inclusion, and monitored as information changes, considering both what a company does and the financial measures that may affect compliance.
Business activity screening
Reviews what a company does and
excludes activities outside the
approved criteria.
Financial ratio screening
Assesses debt, interest-bearing
securities and non-compliant income
against thresholds.
Ongoing monitoring
Reviews holdings, reporting, revenue
sources and corporate actions for
changes.
Scholar review
Escalates relevant findings through
the approved Shariah governance
process.
Investing should
begin with a clearer
sense of what
matters to you.
Your goals give your
money direction.
Vault22 brings those choices into one
considered investment experience.
Explore professionally managed Shariah-
compliant portfolios, understand the role
each could play and make choices
grounded in your ethics, with greater
clarity.
Bring greater clarity to your
Zakat planning.
Bring relevant wealth information together, calculate an indicative Zakat amount and keep the Hawl period in view. Vault22 helps organise the information and explain the calculation, while you remain responsible for reviewing the inputs and deciding how to fulfil your obligation.
Connected wealth view
See the accounts and assets included in the calculation in one place.
Calculation context
Understand the inputs, method and assumptions shaping the indicative amount.
Hawl tracking
Keep the relevant lunar-year period visible as you plan.
R250 000
Indicative Zakat at 2.5%
R6 250
Indicative only, based on a disclosed method and an assumed Nisab. You remain responsible for reviewing the inputs, and may wish to consult a qualified scholar about your circumstances.
Make voluntary giving
part of the wider picture.
Set a giving intention, record your Sadaqah and follow what
you have contributed over time, as a spending category
connected to the rest of your financial life.
Set a giving goal for the period you want to plan across.
Record contributions throughout the year.
Explore approved organisations and causes, where available.
Bring your financial
intentions for Ramadan
into one view.
Review your Zakat planning, set an intention for Sadaqah and
consider the savings or spending decisions that may shape
the month.
Guidance that respects both your
context and conviction.
Ask Tara to clarify Shariah-compliant investment information, explain a screening principle or help you understand the inputs behind a Zakat calculation. Tara brings the information into clearer view; she does not make a religious ruling or financial decision for you.
“What makes this portfolio Shariah-compliant?”
“Which of my accounts are included in my Zakat calculation?”
“What happens if a holding no longer meets the criteria?”
Islamic Finance questions,
answered.
Screening, oversight, Zakat and what Tara can and cannot do.
Investments that follow defined Islamic finance principles and screening criteria. Business activities and relevant financial measures are reviewed before an investment is included, with continued oversight as information changes.
A Shariah Supervisory Board with expertise in Islamic finance and governance guides the experience. Portfolio-level review, partner and certification details are provided with each confirmed option.
The monitoring process identifies changes that may affect compliance and escalates them through the approved governance process. The action taken depends on the confirmed portfolio and partner procedures.
No. Shariah compliance does not remove investment risk. Portfolio values can rise or fall, and past performance does not guarantee future results.
Vault22 helps organise relevant information and calculates an indicative amount using a disclosed method. You remain responsible for reviewing the inputs, and may wish to consult a qualified scholar or adviser about your circumstances.
No. Tara clarifies available information and explains the principles or calculation inputs shown in Vault22. She does not issue religious rulings or make financial decisions for you.
Bring purpose, principle and possibility together.
Explore Shariah-compliant investments and practical Islamic finance tools within one connected view of your financial life.
Free to start. Scholar-reviewed options.