What is Caiz?

Caiz is a hybrid decentralized and centralized financial ecosystem built on robust blockchain technology and aligned with Shariah-compliant principles. It is designed to enable secure, inclusive, and transparent financial services.

Over 1.4 billion people globally face limited access to financial institutions that adhere to ethical and Shariah-based principles—such as the prohibition of riba (interest), gharar (uncertainty), maysir (gambling), and involvement in prohibited industries like alcohol, gambling, or pork-related businesses.

To address this, we designed Caiz to bridge the gap between modern blockchain technology and the foundational values of Islamic finance.

Our mission at Caiz is to provide equitable, inclusive, transparent, and secure financial products—backed by stable real-world assets and built with regulatory and Shariah compliance at the core.

Building Blocks of the Caiz Ecosystem

FBA (Islamic Federated Byzantine Agreement)

Among various consensus algorithms, IFBA serves as the proprietary consensus mechanism within the Caiz ecosystem. It is designed to align the operations of Caiz’s native blockchain with the ethical and financial principles of Islamic finance.

With IFBA as the fiqh-compliant core, Caiz enables:

• Permissible (jaiz) investments
• Interest-free remittances
• Integrated wallets for zakat (charity)
• Products free from riba (interest), gharar (uncertainty), and maysir (speculation/gambling)

This unique consensus governance model ensures Shariah compliance through a network of verified scholars and blockchain experts. Validator nodes within the Caiz native chain are required to operate under these compliance checks, enabling a blockchain that is not only technically robust but also ethically sound.

DeCe (Decentralized-Centralized Model)

Caiz utilizes a hybrid architecture that integrates decentralized blockchain infrastructure with centralized compliance controls. This model, referred to as DeCe, is specifically designed to support Islamic financial principles while maintaining the core benefits of distributed technologies.

Decentralization enables transparency, open access, and resilience, while the centralized layer—governed by verified Shariah scholars—ensures all operations remain aligned with ethical and regulatory standards.

The DeCe model offers:

• Lower transaction fees
• Enhanced security mechanisms
• High transaction throughput
• A regulated and Shariah-compliant financial environment

This framework addresses the needs of faith-conscious users and individuals seeking ethical alternatives in the digital finance space.

Core Components of Caiz

Caiz is a fully ethical financial ecosystem, offering a suite of products aligned with the principles of Shariah-compliant finance. Below are the core components:

Caiz Coin

The Caiz Coin is the native utility token at the core of the Caiz ecosystem. It is used across various products and services, including interest-free remittance, jaiz (permissible) trading, Shariah-compliant investments, and zakat contributions.

Caiz Chain

Caiz Chain is the proprietary blockchain network built using the IFBA consensus mechanism and the DeCe (Decentralized-Centralized) framework. It includes an integrated KYB (Know Your Business) layer, which validates and permits only Shariah-compliant businesses to build on the network, ensuring the integrity and compliance of the ecosystem.

Caiz Wallet

The Caiz Wallet features built-in zakat functionality. It allows users to seamlessly calculate and contribute zakat from their holdings, enabling wealth distribution in line with Islamic principles.

Caiz Stable

Caiz Stable introduces a set of stable, asset-backed digital currencies to mitigate volatility and preserve value. These include:

• Caiz Gold
• Caiz Oil
• Caiz USD
• Caiz Euro

Each backed by tangible real-world assets.

Other Ecosystem Products

• Caiz Scan – A blockchain explorer for transaction transparency
• Caiz API – Developer integrations for Shariah-compliant services
• Caiz NFT – Ethical NFT minting platform
• Caiz Earn – Passive income tools aligned with Islamic values

All offerings within the Caiz ecosystem are developed with full Fiqh compliance and are tailored for real-world financial applications.

Caiz brings together ethical finance and blockchain infrastructure in a way that’s transparent, secure, and compliant. The ecosystem is built to support real-world use cases while staying aligned with Shariah principles.