Nuqsaf
Connect your bank accounts. Isolate every interest and dividend payment. Get the exact amount you need to purify. One report. One number.
The problem
Interest shows up in savings accounts, brokerage sweeps, dividend payments, and CD returns. It is scattered across institutions, buried in transaction histories, and easy to lose track of.
3.5M
Muslim households in the US alone
85%
Hold at least one conventional interest-bearing account
0
Products that calculate purification from real bank data
The obligation is clear in Islamic law. The math should be too. Today it is spreadsheets, guesswork, or nothing at all.
The solution
Connect bank accounts through Plaid. AI surfaces interest and dividend income. You review every flagged item. The output is a dated purification report.
01
Link checking, savings, and brokerage accounts through Plaid. Read-only access. Your credentials never touch Nuqsaf.
02
Interest credits, sweep income, and dividend payments are surfaced with plain reasoning. You confirm or exclude each one.
03
A dated PDF with the final amount, itemized ledger, methodology version, and audit trail. Built to keep or share with a scholar.
Under the hood
Every transaction runs through heuristic pre-filtering, AI verification, and user review. No black boxes.
Tier 1: Pre-filter
Plaid categories, name patterns, account context. Eliminates ~90% of transactions.
Tier 2: AI (Claude)
Remaining transactions classified with confidence scores and reasoning.
Tier 3: You
Every flagged item shown with reasoning. Confirm or exclude. Your call.
Report
Dated PDF. Exact amount. Audit trail.
Methodology
Versioned, documented, published for scrutiny. Every report stamps the methodology version. Informed by established fiqh positions. Not a fatwa — a tool.
Validation
Classification tested against hand-labeled ground truth. Target: 95%+ precision, 90%+ recall. Runs in CI on every code change.
Trust
A Muslim household will not give a startup bank access unless that startup handles their data, obligations, and faith with precision.
Read-only access
Connects through Plaid, a regulated bank data aggregator. Read-only. Cannot initiate transactions or move money.
User control
Every flagged transaction shows the AI reasoning. Confirm or Exclude. The software surfaces. The human decides.
Transparency
Full classification methodology is public. Every rule documented. Peer review in progress. Version stamped on every report.
Conservatism
Where scholarly positions diverge, Nuqsaf defaults conservative. Dividends from conventional accounts are flagged. Users can exclude during review.
The vision
Each phase builds on the trust earned in the one before it.
Phase 1 — Now
Annual Purification Report
Connect accounts, review flagged interest and dividends, generate dated PDF.
Phase 2 — Next
Interest-Paid Awareness
Show users where they are being charged interest across credit cards, loans, and mortgages.
Phase 3
Zakat Support Layer
Zakat workflow with explicit assumptions, visible asset classification, and a trail for scholars.
Phase 4
Halal Financial Cockpit
Single surface for household financial review. Purification, awareness, zakat, alternatives.
Phase 5 — The destination
Nuqsaf Platform
Banking, cards, interest-free loans. A complete halal financial stack where the default is halal.
Built with
Frontend
Next.js 16 + React 19
TypeScript, Tailwind CSS v4, App Router. Static marketing on Cloudflare Pages.
Bank Data
Plaid
Regulated aggregator. Read-only access to transactions, balances, and metadata.
AI Classification
Claude (Anthropic)
Sonnet 4 for transaction classification. Batched with confidence scores and reasoning.
Database
Supabase (Postgres)
Row-level security, encrypted at rest, SOC 2 Type II compliant.
Auth
Clerk
Authentication, session management, user profiles. SOC 2 compliant.
Workflows
Inngest
Async orchestration for bank sync, classification batches, and report generation.
Also: Stripe (payments), Resend (email), React PDF (reports). Deployed on Vercel + Cloudflare Pages.
Nuqsaf
Nuqsaf is in private preview. Connect your accounts, review flagged transactions, and get your number.
Join the waitlist