The same religious foundation, the same decision framework, the same audit methodology — tuned country by country. What changes between editions is the provider list, the tax wrappers, the local property math, and the scholarly voices that carry weight locally. Switch editions any time from the flag menu, top-right.
Australia was the first node and is the most thoroughly audited. The United States, United Kingdom and Canada editions are now live in version 1 — each with its own market-at-a-glance, sourced figures, tax-account guidance and provider audit. Verdicts in the newer editions are preliminary: providers are listed and the framework applied, but their contracts are not yet independently reviewed here. More markets will follow.
إِنَّمَا ٱلْمُؤْمِنُونَ إِخْوَةٌ
“The believers are nothing but brothers.”
al-Ḥujurāt · 49 : 10
Live now
The four editions you can use today.
Australia
~813,000 (≈3.2%) · APRA · ASIC
Fully audited
The first node, and the most thoroughly audited. Australia has a small, uneven Islamic-finance market with a handful of home-finance providers and a couple of genuinely structural investment options.
~3.45 million (≈1.1%) · OCC / state regulators · SEC (investments)
Edition v1
The largest and most developed Western Islamic-finance ecosystem. Several home-finance providers have operated for two decades, and the investment side (screened ETFs and mutual funds) is the most mature in the West.
~3.9 million (≈6.5%) · FCA / PRA · FSCS-protected deposits
Edition v1
The most mature regulated Islamic-banking market in the West — fully FCA/PRA-regulated Islamic banks with FSCS-protected savings, plus several home-purchase-plan providers. Islamic Finance Guru (IFG) already serves this audience well.
A fast-opening market: halal home-finance providers have launched in the last few years, the new First Home Savings Account is a powerful tax wrapper, and a major credit union has piloted halal mortgages. Strong, live scholarly debate.
The local property math and regional affordability.
On the horizon
More markets to follow.
These are intentions, not promises — each depends on scholarly partners and reliable local data. We would rather ship nothing than ship invented numbers.
European Union
Most fragmented market — country-by-country (DE, FR, NL, ES, IT).
South Africa
Decades-deep Islamic-finance market; consolidation in this framework.
New Zealand
Small market; many AU products usable cross-Tasman.
