Tarmeez Capital: Engineering Saudi Arabia’s
Next-Gen Islamic FinTech Platform
Project Overview
Executive Overview
Discover how Raihsoft engineered Tarmeez Capital—a KSA CMA-regulated, Shariah-compliant Sukuk investment & debt financing platform in Saudi Arabia.
Tarmeez Capital is a closed joint-stock financial institution regulated by the Saudi Capital Market Authority (CMA) based in Riyadh. Tarmeez redefines corporate financing and retail investment in Saudi Arabia by offering innovative, flexible Shariah-compliant Sukuk (Islamic debt instruments) across 12+ vital economic sectors.
Raihsoft partnered with Tarmeez Capital to architect and build a digital ecosystem that bridges corporate borrowers seeking debt financing with retail and institutional investors looking for ethical, high-yield Sukuk opportunities (yielding 7% to 18% annually).
The Business Challenge
Building a modern debt crowdfunding and investment platform under strict financial regulations in the Kingdom of Saudi Arabia presented several critical engineering hurdles:
01. Strict Compliance
Meeting all Saudi CMA sandbox and FinTech security guidelines, ensuring strict auditing, risk notifications, and data localization.
02. Shariah Engine
Implementing financial logic verified by an independent Shariah Board for all underlying contracts, Sukuk issuances, and profit distributions.
03. High-Velocity Onboarding
Creating a frictionless registration process where retail investors can register, verify their identity, and start investing within 2 minutes.
04. Dual Ecosystem
Balancing B2B fast debt financing request workflows with intuitive B2C portfolio management and yield distributions.
Technical Solutions Engineered
Raihsoft served as the core software engineering partner, designing a scalable, microservices-driven architecture tailored to high-volume financial transactions.
Digital Investment Portal
Engineered an automated KYC workflow reducing account creation to under 2 mins. Built a real-time marketplace for Sukuk offerings with an automated yield distribution engine.
Corporate Underwriting
Custom workflows for working capital, real estate loans, and supply chain discounting. Integrated automated credit risk and scoring algorithms for transparent risk tiering.
Enterprise Security
Cryptographic transaction logging for CMA & Shariah audits. Multi-tenant data isolation with bank-grade encryption at rest and in transit.
System Architecture & Tech Stack
Backend & APIs
Python, Django, RESTful Microservices Architecture
Frontend Applications
Responsive Web Application & Native Mobile App Frameworks
Database & Analytics
High-availability PostgreSQL, Real-time Transaction Ledger
Cloud & DevOps
AWS Cloud (KSA Region Compliant), CI/CD Automated Pipelines
Security Protocols
End-to-End Encryption, OAuth2 Authentication, Role-Based Access Control (RBAC)
Business Impact
CMA Approval Facilitation
Delivered a fully compliant digital platform enabling Tarmeez to obtain its CMA FinTech Lab license and full commercial approval.
Multi-Sector Coverage
Enabled debt financing across 12+ key economic sectors in Saudi Arabia, including real estate, trade, and infrastructure.
Scalable Throughput
Engine built to manage tens of millions in SAR transactions while maintaining 99.99% uptime during high-demand windows.
Partner with Raihsoft for Your FinTech Innovations
Are you building a regulated financial application, investment portal, or custom enterprise ecosystem? Raihsoft combines 15+ years of software architecture expertise with deep regional knowledge of KSA & Gulf FinTech requirements.
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