Kingdom of Saudi ArabiaThe Trusted Digital Currency for 2 Billion Muslims
From the Holy Cities of Makkah and Madinah to every corner of the Muslim world — HajjCoin powers Hajj payments, cross-border remittances, Zakat automation, and Shariah-compliant investments.
Born in the Holy Land
From Makkah & Madinah to the World
HajjCoin was inspired by the payment struggles of millions of pilgrims visiting the Two Holy Mosques every year. Now it serves the entire Muslim world.
Makkah al-Mukarramah
Pay for accommodation, transport, and Hajj packages with QR codes. Smart contract-verified Qurbani with on-chain proof of completion. Escrow-protected bookings with milestone-based fund release.
Madinah al-Munawwarah
Instant peer-to-peer transfers between pilgrims. Emergency funds from family back home in seconds. Merchant payments at hotels, restaurants, and transport across the holy city.
Aligned with Saudi Vision 2030
HajjCoin supports the Kingdom's Financial Sector Development Program goals — expanding digital finance innovation, growing cashless payments, and building the fintech ecosystem. We are pursuing licensing under SAMA's emerging stablecoin regulatory framework.
Platform Features
Everything the Muslim Community Needs
A comprehensive Islamic digital finance ecosystem — from pilgrim payments to cross-border remittances, charitable giving, and Shariah-compliant investments.
SAR-Pegged Stablecoin
1:1 backed by Saudi Riyal reserves in regulated bank accounts. Audited reserves with on-chain proof of attestation.
Hajj & Umrah Payments
QR code payments in Makkah & Madinah. Escrow-protected packages. Smart contract Dam/Qurbani with on-chain proof.
Instant Remittances
Send money across 50+ OIC corridors at <0.5% fees. Settle in under 2 seconds. Support family with scheduled transfers.
Zakat & Sadaqah
Automated Zakat calculation with Nisab alerts. One-tap distribution to verified beneficiaries. Full on-chain transparency.
Shariah-Compliant Investments
Tokenized sukuk from 10 SAR. Murabaha savings pools. Halal equity baskets. Gold-backed savings. All certified by our Shariah Board.
Merchant Gateway
Accept HajjCoin at your business. API + POS integration. Daily settlement in SAR, USD, or EUR. Full refund support.
Shariah Governance
Independent Shariah Supervisory Board. AAOIFI standards compliance. No riba, no gharar, no maysir. Annual published fatwa.
Mobile First
Native iOS & Android apps. Biometric login. Offline QR payments. NFC support. Works on low-bandwidth connections.
Simple Process
How It Works
Get started in minutes. No complex crypto knowledge required.
Create Your Wallet
Sign up with phone or email. Complete tiered KYC for higher limits. Your wallet is secured with biometric authentication and MPC key management.
Tier 0: No KYC up to 1,000 SAR/day · Tier 1: Basic ID for 10,000 SAR/day · Tier 2: Full KYC for 100,000 SAR/day
Fund Your Account
Convert 50+ fiat currencies into HajjCoin at near-zero FX spreads. Fund via bank transfer, mobile money, or card from anywhere in the world.
Supported: IDR, MYR, TRY, PKR, BDT, EGP, NGN, USD, EUR, GBP and 40+ more
Pay, Send & Invest
QR payments at merchants. Instant P2P transfers. Cross-border remittances. Zakat automation. Hajj escrow. Shariah-compliant investments.
All transactions settle on Arbitrum L2 in under 2 seconds
Cash Out Anytime
Off-ramp to your local bank account, mobile money wallet, or pick up cash at partner locations. Settlement in your local currency.
Daily settlement · 50+ corridors · Licensed local partners in each market
Use Cases
One Platform, Every Need
Seamless Pilgrim Experience
From booking to completion — every payment protected.
- Convert from 50+ currencies at near-zero FX spreads
- QR payments at hotels, restaurants, and transport in Makkah & Madinah
- Escrow-protected Hajj packages with milestone-based fund release
- Smart contract Dam/Qurbani with on-chain proof of completion
- Peer-to-peer transfers between pilgrims in your group
- Emergency instant funds from family members back home
Shariah Compliance
Built on Islamic Financial Principles
Every product, every transaction, every line of code — designed to uphold the highest standards of Shariah compliance.
All financial products are structured to eliminate interest (riba). Profits are earned through legitimate trade, profit-sharing, and asset-backed returns.
All terms are transparent and clearly defined. Smart contracts enforce deterministic outcomes. No hidden fees, no ambiguous conditions.
No speculative derivatives or zero-sum betting instruments. All investment returns are linked to real economic activity and productive assets.
Shariah-screened investments exclude alcohol, gambling, tobacco, weapons, and interest-based financial institutions. Automated screening ensures continuous compliance.
Shariah Governance Framework
Our governance structure ensures every aspect of HajjCoin meets the strictest Islamic financial standards, verified by independent scholars and continuous auditing.
- Independent Shariah Supervisory Board of 3-5 recognized scholars
- AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) standards
- Annual Shariah audit with publicly published fatwa on all products
- Smart contract code reviewed by both technical auditors and Shariah scholars
- Continuous monitoring — every product and transaction structure verified
Security & Compliance
Institutional-Grade Security
Your funds are protected by multiple layers of security — from audited smart contracts to hardware-backed key management and real-time compliance monitoring.
Multi-Audited Smart Contracts
Audited by CertiK and Trail of Bits. Formal verification via Certora Prover. $500K bug bounty on Immunefi.
MPC Wallet Security
Multi-Party Computation splits your key across 3 shares. No single point of failure. Hardware-backed on your device.
Regulatory Compliance
FATF Travel Rule. SAMA AML/CFT alignment. GDPR & Saudi PDPL. OFAC/EU/UN sanctions screening.
Blockchain Monitoring
Chainalysis and Elliptic integration for real-time transaction monitoring. ML-based anomaly detection.
SOC 2 Type II & ISO 27001
Enterprise-grade infrastructure security. Quarterly penetration testing by independent red teams.
Multi-Sig & Timelock
3-of-5 Gnosis Safe for admin ops. 48h timelock on minting policy. 7-day delay on contract upgrades. Circuit breakers.
Roadmap
Building the Future of Islamic Finance
A phased approach — from Hajj pilgrim payments to a comprehensive Islamic digital finance ecosystem.
Foundation
- HajjCoin token launch on Arbitrum L2
- Web app with wallet, P2P transfers, QR payments
- SAR/USD/EUR on/off ramp via licensed partners
- Basic KYC (Tier 0-1)
- Hajj escrow smart contracts
- Zakat calculator + distribution
- SAMA FinTech sandbox application
Expansion
- iOS & Android native apps (React Native)
- Cross-border remittances (20+ corridors)
- Merchant gateway API + POS integration
- Waqf tokenization platform
- Murabaha savings pools
- Polygon & BSC bridge deployment
- Full KYC tiers (Tier 2-3)
Scale
- Tokenized sukuk marketplace
- Halal equity token baskets
- B2B trade finance (Murabaha receivables)
- 50+ remittance corridors
- Nusuk platform integration
- Multi-language (Urdu, Bahasa, Turkish, Bengali)
- Gold-backed savings tokens
Ecosystem
- Full SAMA licensing (post-sandbox)
- Account abstraction (ERC-4337)
- DAO governance transition
- Decentralized oracle for reserve attestation
- Privacy features (zk-proofs)
- Takaful (mutual insurance) pools
- Islamic DeFi protocol integrations
Join the Future of Islamic Finance
Whether you're a pilgrim preparing for Hajj, a worker sending money home, or a business serving the Muslim community — HajjCoin is built for you.
Available on Web, iOS, and Android · 50+ countries · 100% Shariah-compliant