Money that moves like a signed document.
The UAE finished building the rails: Aani, Jaywan, Open Finance, regulated dirham stablecoins. Nobody built the layer that chooses among them, proves every fil, and lets AI agents pay under signed, bounded authority. Everything on this site runs the real Fils engines in your browser on simulated rails.
~$77B from UAE + KSA alone. Corridor-first is the wedge.
2026 → 2031, payments ≈ 57% of it.
~6× YoY growth. The rails are live; the choosing isn't.
L4 AGENT PROTOCOLS ACP · AP2 · x402 · agents pay under signed mandates L3 NETWORK @handles · Amanah escrow · receive-side · disputes L2 FILS CORE mandate engine · routing brain · double-entry ledger L1 UAE RAILS Aani · Jaywan · Open Finance · AED stablecoin · corridors
Signed, bounded mandates. Cryptographic authorization with limits, scope, and one-tap revocation. The agent-economy primitive, AP2-interoperable.
Explainable routing. Every payment shops all UAE rails and must justify the winner. Anti-gharar by construction, cheaper by arithmetic.
Escrow as accounting. Segregated trust accounts with a machine-checked invariant and published dispute SLAs. SVF-safeguarding shape from day one.
Sharia as architecture. Ujrah-only fees enforced by a linter, purification ledger, zakat engine. The certification-ready door into KSA.
Zakat, computed not guessed
Nisab AED 26,520.00 · due AED 1,000.00 (2.5%) · opt-in only, never auto-deducted · params BOARD_PENDING
1 · Set spending limits (AED 2,500/payment). 2 · Send: try the Lahore example, then AED 9,000, and watch every rail refuse with a reason. 3 · Pay: a business payment senses itself and offers protection: fund, dispute, split. 4 · Request: lock a quote, settle, read the transparency boxes.
Sandbox honesty: simulated rails, in-memory ledger, refresh resets. The engines, invariants, screening, and 198-test suite are the real repository code (v0.1-platform, v0.2-network), structured for Sharia compliance.