Moby built on shariah compliant for both business and customer

Advised by Masryef Advisory Sdn Bhd

Masryef Advisory Sdn Bhd

www.masryef.com

Shariah Endorsement

Operations and review contracts and agreements to ensure they

Product & System Development

Structure financial products that meet both commercial needs

Review & Audit

Review your internal processes and product execution

Masryef Advisory Sdn Bhd

www.masryef.com

Shariah Endorsement

Operations and review contracts and agreements to ensure they

Product & System Development

Structure financial products that meet both commercial needs

Review & Audit

Review your internal processes and product execution

Benefits as a customer

Shop with confidence knowing every transaction follows Islamic principles

Zero interest (Riba-free)

Zero interest with clear, transparent pricing

Masryef certified

Verified by qualified shariah advisor agency

Transparent pricing

Verified by qualified shariah advisor agency

Benefits as a merchant

Grow business as a merchant with transactions fully compliant with Islamic principles.

Paid upfront

Receive the full payment upfront while customers pay over time.

No Compounding Fees 

Profit is fixed from the start and does not grow over time.

Ibra’ (Rebate) Mechanism

Ibra’ (Rebate) Mechanism ensures that if a customer returns an item or makes an early settlement, the remaining balance is adjusted fairly through a rebate process.

Zero Default Risk

Ensure all transactions and contracts comply with Sharia to maintain zero default risk

0% Interest

Enable interest-free business aligned with Shariah principles

Grow Business

Increase sales by offering flexible payment options

Compliance path for merchants

Our compliance path guides merchants through a clear and structured process to meet regulatory and Shariah requirements.

1

Registration

2

Commitment Fee (Hamish Jiddiyyah)

3

Agency Purchase

4

Murabahah Sale