Meet the Market Leader

As-Sidq™ - A Fixed-Rate Tawarruq Commodity Trading Platform for Islamic Personal Finance & more





& Services

As-Sidq is a Tawarruq commodity trading system for Financial Institutions. As a one-stop solution, the system assists FSIs to market, identify and approve Islamic Financing. The trading systems can utilise telecommunication airtime credit as the trading commodity which makes the trade more accurate, real-time and independent of Bursa. The benefits include 24/7 and branchless operations with a disbursement time of under 10 minutes. Administrative operation time can be reduced by over 60% to approximately 3 man-hours per transaction.

As-Sidq is Sedania’s proprietary, patented software platform which is robust and scalable – with a proven track record of over RM37 billion accumulated transaction value.

The fully-Sharia compliant service, which is easily integrated into existing system and proceesses via API, is currently being utlilised by over 40 financial institutions in Malaysia. Of course, As-Sidq is also available as ready-plugin within our Digital Banking Hub.

Our Trading Platform.

Our web-based B2B trading platform allows 24/7 and branchless operation.

The solution integrates where required via API to your core banking system.

Our existing customers achieve an average operation performance improvement of over 25% in their respective departments.

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Our platform was designed specifically for your Islamic banking teams with the aim to automise and optimise your banking operations.


Let our platform reduce your workload by over 50% and increase your loan processing by over 20%. Every day and everywhere.


Learn more about our key features.


Integrated Trading Platform

Focused to minimize operational cost & human error by allowing a full integration while guaranteeing a Tawarruq trading Turn-around-Time (TAT) of less than 1 minute

Approval Workflow

Integration Ready

With the readiness to integrate with existing major Core Banking players, As-Sidq has a proven track record of direct intergration with the like of Silverlake, Microlink, TATA Core Banking and many more.

Applicant Trade Acceptance SMS

Patented SMS Akad acceptence makes it more efficient and more cost saving to the financial service provider by reducing paper cost, phone bills and minimizing time taken to process Akad. Now with email Akad and end user dashboard, As-Sidq also caters to the Corporate Banking sector.

Multi Product Suites

Our Shariah Advisors

Prof Madya. Ust Dr Zaharuddin Abdul Rahman

Dr. Zaharuddin Abd Rahman is one of those Shariah scholars in Fiqh, Usul al-Fiqh and Fiqh Muamalat including Islamic Banking and Finance, he possess both strong academic research background and hands on Islamic finance application in the Islamic banks. He obtained his first degree in Usuluddin from University Malaya of Malaysia, Master degree in Fiqh and Usul Fiqh from Al-Yarmouk University, Jordan and PhD in Islamic Studies and Finance from University of Wales, United Kingdom.

Prof Madya. Dr Aznan Hasan

Dr. Aznan Hasan was educated at the University of Al-Azhar, Egypt where he obtained a Bachelor in Shariah (Hons.) in 1994. He holds a Master in Shariah (First Class) from Cairo University, Egypt and a Ph.D from University of Wales, Lampeter, United Kingdom. Dr. Aznan Hasan is an Assistant Professor in Islamic law and the former Head of Islamic Law Department, Ahmad Ibrahim Kulliyyah of Laws, International Islamic University Malaysia. He teaches subjects such as Islamic Legal Theory, Islamic Commercial Law and Islamic Banking and Finance at both undergraduate and postgraduate levels.

Some of our Customers

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