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Great returns, Greater impact.
Unlock crypto for sustainable
halal returns in real world.


At Umma, we believe that the traditional debt-based financial system is perverse, unjust, and socially destructive. Our mission is to democratize access to fair, transparent, and sustainable interest-free financial products for people across the globe. We are building a values-aligned community organized around the shared mission of creating an interest-free network state.

We believe in adopting Islamic finance principles that promote risk-sharing, increased transparency, and place more reliance on real assets

We believe in decentralized finance’s potential to make the financial system cheaper, faster, more innovative, and more inclusive, particularly in emerging markets where capital is so much needed

We believe in building risk-sharing financial institutions on a sound money standard, such as bitcoin

Yield opportunities
beyond onchain (USD/USDC)

Frontier markets, many of which are Muslim-majority countries, provide an opportunity for outsized returns with relatively low risk.

By funding businesses operating in those markets, you can not only participate in shariah-compliant profit sharing, but also make a difference!

Сompound/Aave money market
10-year US Treasuries
S&P Global High Yield Sukuk Index
Financing fintechs in frontier markets through Umma
  • Interest-based
  • Based on historical performance of fintech lenders in Uzbekistan, Nigeria, Pakistan, and Indonesia

*all figures are as of January 2023

How Umma works
Invest stable coins and receive yield based on Mudaraba profit sharing structure
Bridges investors seeking yield and pool managers by conducting due diligence on the managers and ensuring shariah compliance
Pool Managers
Fintechs and lending businesses, operating in a shariah-compliant way, with a verifiable track record and reputation
Eventually, money lands in hands of under-banked people that need it the most

Our roadmap

Reforming the existing financial system is very difficult. Creating a new financial system seems even harder. Many people think that it’s impossible. But for those that believe in the mission, like us, there is a moral imperative to contribute towards building a value-based financial system based on shared faith and belief in interest-free money.

How do we achieve that?

Q1 2023

Global digital community of people interested in building an interest-free society

Q3 2023

Interest-free DeFi protocol connecting investors with real-world businesses in emerging markets

2024 -

Interest-free decentralized bank enabling anyone to save, invest, and get funding in line with their beliefs

2026 -

Interest-free decentralized network state with crowdfunded physical territories across the globe