DefiKSA: Intelligent Sharia-Compliant
Financial Solutions
🏆 NYU Hackathon WinnerProven Financial Principles
DefiKSA integrates established risk management and financial structuring principles, adapted for Sharia compliance, ensuring reliability and security.
Intelligent AI Engine
Our AI engine powers autonomous agents that operate within Sharia guidelines, analyzing data, managing compliance, and executing permissible financial operations efficiently.
Decentralized Finance
Leveraging the power of DeFi protocols, our platform provides a comprehensive dashboard for monitoring protocols, assessing risks, and creating customized AI agents across multiple chains.
Intelligent Tools for Compliant Finance
DefiKSA offers a comprehensive suite of AI-powered tools designed to help you manage your finances effectively within Sharia guidelines.
AI-Powered Risk Assessment
Real-time risk evaluation of assets and protocols, incorporating Sharia compliance screening alongside financial metrics.
Autonomous AI Agents
Create and deploy customized AI agents that operate within Sharia parameters to execute your financial strategies autonomously.
Protocol Monitoring Dashboard
Monitor key metrics across financial protocols, with clear indicators for Sharia compliance status.
Enhanced Security
Multi-layered security approach with AI-powered threat detection, smart contract auditing, and secure wallet integration.
Multi-Chain Integration
Seamless operation across multiple blockchain networks, enabling diversified strategies using vetted, compliant assets and protocols.
Strategy Builder
Interactive tool for creating and testing custom, Sharia-compliant financial strategies based on your goals and risk tolerance.
Built on Verifiable Technology
DefiKSA leverages the ORA Framework to ensure transparent, verifiable AI operations on the blockchain, providing a secure foundation for Sharia-compliant financial solutions.
ORA Framework Architecture
The ORA Framework enables AI agents to operate verifiably both onchain and offchain. This transparency and security are crucial for building trust and implementing the Sharia compliance rules embedded within DefiKSA agents.
- 1Onchain AI Agent Creation
- 2OP Agent orchestration
- 3Offchain and Onchain action coordination
- 4AI Agent Contract Wallet execution
- 5Multi-agent interaction and verification
ORA Agent Operation Modes
The ORA Framework enables AI agents to operate in different modes, each optimized for specific types of tasks and complexity levels. These operation modes determine how agents interact with blockchain networks, process information, and collaborate with other agents in the ecosystem.
Singleton Mode
A single OP Agent operates autonomously to execute specific tasks with a dedicated Contract Wallet, ideal for focused financial operations.
Singleton Mode Architecture
In Singleton Mode, a single OP Agent operates autonomously to execute specific tasks with a dedicated Contract Wallet. This mode is optimized for focused operations requiring deep expertise in a particular domain, such as yield optimization or risk assessment for a specific portfolio.
Cognitive Processing
LLM/VLM brain, DA/IPFS memory systems, MOE task planning for specialized expertise
Perception & Analysis
Multi-modal inputs including market data, protocol conditions, and chain analysis
Verifiable Execution
Direct onchain actions through Contract Wallet with verifiable AI inference
System Integration
Self-contained wallet component with access to verified DeFi protocols
Architecture Highlights
- Single OP Agent with dedicated Contract Wallet
- Direct onchain execution with verification
- Lower resource overhead, faster decision execution
Ideal Use Cases:
- Personalized portfolio management and optimization
- Focused protocol risk analysis and monitoring
- Single-chain specialized DeFi strategies
Mode Comparison
| Singleton Mode | Swarm Mode | |
|---|---|---|
| Architecture | Single OP Agent | Multiple Specialized Agents |
| Execution Model | Direct contract interactions | Consensus-mediated via OAO |
| Cognitive Processing | Self-contained | Distributed across agents |
| Security Level | Standard verification | Enhanced multi-agent verification |
| Resource Requirements | Lower | Higher |
| Best For | Focused operations, single chain | Complex operations, cross-chain |
Technology Stack
Our platform combines cutting-edge technologies across multiple domains to create a secure, efficient bridge between AI and blockchain networks.
AI & Machine Learning Core
- LLM and VLM-powered cognitive processes
- DA and IPFS decentralized memory systems
- MOE characteristics task planning
- Verifiable AI inference execution
ORA Framework
- OP Agent orchestration and execution
- Onchain AI Oracle (OAO) integration
- Multi-agent interaction protocol
- Onchain/Offchain action coordination
Blockchain Integration
- AI Agent Contract Wallet deployment
- Verifiable smart contract execution
- Decentralized storage connections
- Cross-chain agent operations
Security & Verification
- OPML powered verifiable contract wallets
- Multi-agent consensus verification
- Decentralized execution auditing
- Context-aware security protocols
Our technology stack components work together to create a seamless bridge between AI intelligence and blockchain execution.
AI Agents in Action
Discover how DefiKSA's intelligent agents operate autonomously within Sharia guidelines to screen assets, manage portfolios, and execute compliant financial operations.
Available Agents
The DefiKSA platform enables you to create, customize, and monitor AI agents designed to operate within Sharia principles, executing compliant strategies and managing risk 24/7 on your behalf.
Design Your Sharia-Compliant Financial Strategy
Our platform allows you to build, evaluate, and deploy automated financial strategies designed to operate within Sharia guidelines.
Compliant Strategy Builder
Compliance & Performance Analysis
AI Suggestions
Our AI analyzes your strategy against current market conditions and historical performance to provide personalized recommendations.
Monitor Compliant Protocols in Real-Time
Stay informed with compliance status, key metrics, and performance data for vetted protocols within the DefiKSA ecosystem.
Verified Mudarabah Pool
Performance Metrics
Historical Performance
Interactive charts available in the full dashboard
Recent Alerts
Underlying asset [Asset Name] in pool flagged for potential compliance review due to business activity change.
Increased demand for profit-sharing; pool nearing capacity.
Temporary suspension of withdrawals from underlying [Asset XYZ] issuer - Resolved.
Customizable Alerts
Set up custom alerts based on your risk tolerance. Receive instant notifications via email, SMS, or in-app messages when critical thresholds are crossed.
Seamless Wallet Integration
Securely connect your preferred wallet with one click to manage assets, view transactions, and interact with the DefiKSA platform.
Connect Your Wallet
Choose from multiple wallet providers for secure access to your digital assets. Our platform supports all major wallet types.
Security First
We never store your private keys. All wallet connections are secure and use industry-standard encryption protocols. Your assets remain in your control at all times.
Connected Wallet
Token Balances
Recent Transactions
Platform Token & Governance
Token Distribution
Funding grants, partnerships, and initiatives to grow the DefiKSA user base and compliant ecosystem.
Allocated to the core team and advisors, subject to vesting schedules to ensure long-term commitment.
Reserved for future platform development, operational costs, and strategic initiatives, governed by token holders.
Used to ensure sufficient liquidity for the token on compliant exchanges and platforms.
Allocation for early supporters and investors who helped bootstrap the project.
Token Utility
Governance
Participate in platform governance, focusing on maintaining compliance and guiding ecosystem development.
Profit Share Distribution
Receive a share of distributable profits generated from permissible platform activities (e.g., compliant service fees), distributed proportionally.
Fee Discounts
Utilize tokens to receive discounts on fees charged for permissible platform services like advanced agent execution or reporting.
Premium Features
Access advanced compliant AI models, strategy tools, and in-depth analytics.
Governance Model
Token holders participate in key decisions regarding platform integrity, compliance parameters, and ecosystem development through a transparent voting mechanism.
Vesting Schedule
Team and investor tokens are subject to a 3-year vesting period with a 1-year cliff to ensure long-term alignment.
Development Roadmap
Phase 1
Phase 1
Foundation
Establishing the core infrastructure, Sharia compliance framework, and initial AI models.
- Core platform development
- Sharia screening engine v1
- Establish Sharia advisory board
- Compliant portfolio tracking
- Initial AI monitoring agents
- Testnet deployment (KSA focus)
- NYU Hackathon Winner
Phase 2
Phase 2
Compliance & Expansion
Enhancing compliance engine, expanding protocol support, and launching governance.
- Refined compliance engine (Advisory board input)
- Integrate verified compliant protocols/pools
- Governance token launch
- Initial DAO voting (Compliance parameters)
- Basic cross-border payment agent (POC)
Phase 3
Phase 3
Intelligence & Payments
Deploying advanced compliant agents and expanding payment capabilities.
- Advanced autonomous agents (Profit-sharing, Zakat)
- Expanded payment agent features (FX, Multi-currency)
- Full decentralized governance implementation
- Cross-chain compliant strategies
- Initial KSA partnerships
Phase 4
Phase 4
Ecosystem Growth
Achieving wider adoption, institutional integration, and continuous innovation.
- Institutional partnerships (KSA Banks/Finance)
- Compliance certifications/audits
- Integration with Islamic finance ecosystem
- Advanced predictive compliance analytics
- Expand compliant product offerings
Future Development
Our roadmap prioritizes Sharia compliance, user security, and KSA market needs, evolving with community feedback and regulatory guidance.
Bridging Traditional Finance and DeFi
Our platform brings institutional-grade risk management to decentralized finance through AI-powered agents that autonomously interact with blockchain networks.
Our Mission
We're pioneering the integration of artificial intelligence and blockchain technologies to create a secure, transparent, and accessible financial ecosystem that empowers users while significantly reducing the typical risks associated with DeFi.
Through our innovative ORA Framework, we enable AI agents to autonomously interact with blockchain networks, executing complex financial strategies while providing unparalleled visibility and control to users.
Key Problems We Solve
- Reducing technical barriers to DeFi interaction
- Providing risk management tools for DeFi investments
- Offering clear visualization of AI agents on blockchain
- Ensuring secure, verifiable AI-driven transactions
Your Journey with AI Agents
Create Your Agent
Design your personalized AI agent by selecting protocols, setting risk parameters, and defining investment strategies. No coding required.
Monitor Performance
Track your agent's actions, transactions, and performance through an intuitive dashboard. Get real-time notifications about important events and risk alerts.
Optimize & Adapt
Receive AI-powered suggestions to improve your agent's strategy based on changing market conditions. Implement adjustments with a few clicks.
All agent actions are verifiable on-chain, providing complete transparency while our Claude AI assistant helps you understand complex DeFi concepts and market trends.
See AI Agents in ActionMeet the Team
The dedicated individuals behind DefiKSA, committed to building the future of intelligent, compliant finance in the KSA.
Fahad Kiani
Founder & Chief AI Officer
Passionate about integrating AI and blockchain for Sharia-compliant finance. Experienced in leading tech startups and building intelligent financial solutions.
Ahmed Javaid
Founding Engineer
Expert in AI/ML and blockchain architecture. Driving the technical vision and ORA Framework implementation.
Hamed Al-Refaei
Founding Business Development
Specialist in Business and Development for DefiKSA partners, clients and institutions.
Jedi Labs
AI Research Lab
Research Lab providing AI solutions across building AI agents and ensuring all platform operations adhere to Sharia principles.
Waqas Arain
Founding Engineer
Specialist across building on-chain solutions and ensuring all platform operations adhere to blockchain principles.
Whitepaper Overview
Explore our comprehensive whitepaper detailing DefiKSA's approach to Sharia-compliant finance, AI integration, and platform architecture.
Abstract
DefiKSA is pioneering the integration of Artificial Intelligence (AI) with verifiable blockchain technology to deliver Sharia-compliant financial solutions tailored for the Kingdom of Saudi Arabia (KSA). Leveraging the transparency and security of the ORA Framework, DefiKSA provides intelligent tool...
Introduction: Compliant Finance for KSA
The rapidly evolving landscape of digital finance presents unique opportunities and challenges within the KSA market. There is a growing need for trus...
Topics include:
- The Compliance Challenge
- DefiKSA: Intelligent & Compliant
Technology & Architecture
DefiKSA is built on a robust technological foundation that combines verifiable AI, secure blockchain integration via the ORA Framework, and transparen...
Topics include:
- AI Framework
- ORA Integration
- And more...
Platform Token & Governance
The platform's native token facilitates participation in the ecosystem and plays a role in its governance, ensuring alignment with user interests and ...
Topics include:
- Token Utility
- Governance Mechanism
- And more...
Discover how DefiKSA combines AI with verifiable blockchain technology to deliver innovative and compliant financial solutions.
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