# Tabadulat > Tabadulat is a Shariah-compliant investment platform licensed by the Financial Services Regulatory Authority (FSRA) in Abu Dhabi Global Market (ADGM), UAE. It offers commission-free halal stock and ETF trading across US, European, Asian, and global markets, a free halal stock screener, and B2B financial infrastructure services including Trading-as-a-Service, Market Data APIs, and a full White-Label platform. Founded by Samy Mohamad. AAOIFI member with SSB certification. Tabadulat serves both retail investors (B2C) and financial institutions (B2B). Retail users can trade Shariah-screened stocks and ETFs with zero commission on US stocks, screen any stock for Shariah compliance for free, and track portfolios. B2B clients can integrate Tabadulat's regulated trading rails, market data feeds, and white-label platform into their own products. The platform applies strict Shariah screening criteria based on AAOIFI standards, evaluating core business activities and key financial ratios. Stocks are monitored on an ongoing basis to ensure continued compliance. Users are notified if an investment no longer meets halal criteria. Tabadulat is headquartered at Office 3104, Al Tamouh Tower, Al Reem Island, Abu Dhabi, UAE. Available as a mobile app on iOS and Android, and via the web at tabadulat.com. Content is available in English and Arabic. ## Core Pages - [Home](https://tabadulat.com): Platform overview, features, sign-up, and app download - [About](https://tabadulat.com/about): Company story, founding team, regulatory milestones, and credentials - [Contact Us](https://tabadulat.com/contact-us): Email (support@tabadulat.com), office address, and contact form - [Arabic Home](https://tabadulat.com/ar-ae): Full Arabic-language version of the platform ## Products & Tools - [Halal Stock Screener](https://tabadulat.com/stocks): Browse and screen Shariah-compliant stocks across global markets - [Investor Dictionary](https://tabadulat.com/investor-dictionary): 22 key Islamic finance and investment terms explained simply - [Community Resources](https://tabadulat.com/learn): Educational content, tools, FAQ, and halal stock screening methodology ## Services - [REITs](https://tabadulat.com/services/reits): Shariah-compliant real estate investment trusts for income-generating property exposure - [Sukuk](https://tabadulat.com/services/sukuk): Shariah-compliant certificates providing exposure to income-generating assets via Islamic finance structures - [Gold](https://tabadulat.com/services/gold): Gold ETC investing for capital preservation and portfolio diversification - [Savings](https://tabadulat.com/services/savings): Goal-based savings for short-term needs and long-term wealth building ## B2B Services - [B2B Services Overview](https://tabadulat.com/b2b-services): Full suite of institutional Shariah-compliant financial infrastructure - [Trading-as-a-Service](https://tabadulat.com/b2b-services/trading-as-a-service): Regulated trading rails, execution engine, and compliance layer for fintechs, neobanks, and wealth managers - [Market Data Provider](https://tabadulat.com/b2b-services/market-data-provider): Real-time and historical market data APIs with optional Shariah screening - [Full White-Label Platform](https://tabadulat.com/b2b-services/full-white-label-platform): Fully brandable end-to-end investment platform with trading, market data, and portfolio insights ## Blog & Educational Content - [Blog](https://tabadulat.com/blog): Guides on halal investing, Shariah compliance deep dives, stock analysis, zakat on investments, and Islamic finance insights ## Legal & Compliance - [Terms & Conditions](https://tabadulat.com/terms-conditions?tab=terms): Terms of service, privacy policy, Shariah Supervisory Board details, AAOIFI alignment, cookies policy, and risk disclosure notice - [Privacy Policy](https://tabadulat.com/privacy-policy): Data protection and privacy practices ## Download the App - [iOS App Store](https://apps.apple.com/us/app/tabadulat/id6747174584): Tabadulat for iPhone and iPad - [Google Play Store](https://play.google.com/store/apps/details?id=com.tabadulat.tabadulat): Tabadulat for Android ## Frequently Asked Questions ### About Tabadulat - **How does Tabadulat differ from other brokerage platforms?** Tabadulat is building the world's first truly global Shariah-compliant brokerage, built by Muslims for Muslims. We don't just offer a trading platform for halal investments, we ensure your entire investing journey remains 100% Halal, from start to finish. Unlike other brokers, we screen thousands of stocks and ETFs every day to maintain Shariah compliance, notifying you instantly if any investment is no longer Halal at no extra cost. Plus, we keep things fair and transparent with zero fees and no hidden charges. - **How does Tabadulat ensure Shariah Compliance?** We adhere to AAOIFI standards: the global benchmark in Islamic finance. This ensures every trade on our platform remains fully Halal. - **What are Tabadulat's trading fees?** Tabadulat charges zero trading fees on US Stocks — no commissions, no hidden costs. Unlike traditional brokers that add layers of charges and high minimums, we keep it simple. Whether you're starting with $100 or trading $100,000, your money works entirely for you. - **Is my money safe with Tabadulat?** Yes. All funds are held securely with Tier 1 international banks in non-interest-bearing accounts, ensuring your money remains protected and fully Halal. - **What assets can I invest in?** Tabadulat gives you access to thousands of Shariah-compliant stocks and ETFs across global markets, including the US, Canada, UK, Europe, GCC, Asia, and Oceania. We also offer fractional trading, all pre-screened for compliance, so you can invest with confidence. - **Will you notify me if my investments are no longer halal?** Yes. We continuously monitor all stocks and ETFs and provide a comprehensive Halal breakdown. If an investment no longer meets Halal criteria, we notify you immediately so you can take action. You can access a detailed halal compliance breakdown at no extra cost. - **How can I calculate my Zakat on my investments?** Zakat is a key pillar of Islam, yet most platforms don't support investors in calculating it. We provide a Zakat calculator and detailed reports, making it easy to determine your obligations without needing an accountant. Whether you're a beginner or an experienced investor, we help you fulfil your duty with clarity and confidence. - **Does Tabadulat offer investment advice?** No. Tabadulat does not offer personalised investment advice. The platform provides access to powerful tools, real-time insights, and detailed Shariah compliance breakdowns to support your decisions, but all investments are made at your own discretion. - **How do I start halal investing?** Choose a trusted platform like Tabadulat, open an Islamic account, define your financial goals, and start building a Shariah-compliant investment portfolio. - **Can non-U.S. citizens buy US stocks?** Yes, non-U.S. citizens can buy U.S. stocks, including halal stocks, through global brokers offering market access. Platforms like Tabadulat enable Middle East investors to trade U.S. equities with Shariah screening. ### Halal Investing Fundamentals - **What is Halal Investing and how is it different from conventional investing?** Halal Investing follows Islamic principles — no interest, no excessive uncertainty, no speculation — and focuses on Shariah-compliant assets with profit-and-loss sharing and zakat obligations. Conventional Investing may involve interest-bearing products and haram sectors. - **How can I tell if a stock is Halal?** Check both the company's business activities and financial ratios. Avoid firms with riba-based debt or significant impermissible income. Tabadulat screens over 40,000 stocks and ETFs daily and notifies you if a holding becomes non-compliant. - **How does a Halal stock screener work?** A Halal Stock Screener checks whether a stock meets Shariah standards based on its core business activity, interest income, cash holdings, and debt levels. Companies must pass all criteria to be considered halal. - **What should investors do if a previously halal stock becomes non-compliant?** Tabadulat alerts you instantly. Investors can divest, purify gains, and switch to compliant alternatives. Active monitoring ensures portfolios remain Shariah-aligned. - **Is investing halal or haram?** Investing is halal if it follows Shariah rules — no interest, no haram industries, fair risk-sharing — and haram if it violates them. - **Are dividends halal?** It depends on the source of the company's profits and its compliance with Shariah principles. If a company's main business is halal and its non-compliant income is minimal, dividends may be considered halal, but purification may be required. - **Is trading stocks halal?** Trading stocks can be halal if done within Shariah guidelines. The permissibility depends on avoiding speculation (gharar), margin trading with interest (riba), and ensuring the underlying business is halal. - **Why is Shariah screening essential in halal investing?** Screening verifies that your portfolio is free from riba and haram income. It helps ensure your investments align with Shariah and Islamic banking standards, protecting your wealth and conscience. ### ETFs - **Are ETFs Shariah-Compliant?** Not all. Only ETFs that exclude prohibited industries, meet AAOIFI financial ratios, and purify non-compliant income can be considered halal. Some ETFs are halal if they track Shariah-compliant companies and avoid interest-based structures. - **How to invest in a Halal ETF?** Use Tabadulat's free Halal Stock Screener to screen ETFs. We analyse over 40,000 stocks and ETFs globally each day and follow AAOIFI standards to ensure proper Shariah certification, purification, and ongoing compliance monitoring. - **Is the S&P 500 ETF halal?** The S&P 500 itself is not fully halal because it includes companies involved in interest-based finance, alcohol, gambling, and other prohibited sectors. However, Muslims can invest through Shariah-compliant S&P 500 ETFs like SPUS that filter out non-halal stocks. - **Which Halal ETF is best?** The best Halal ETF depends on the investor's goals. Popular options include SP Funds S&P 500 Shariah Industry Exclusions (SPUS), Wahed FTSE USA Shariah (HLAL), iShares MSCI World Islamic UCITS, and HSBC Global Sukuk UCITS ETF. ### Sukuk - **What is Sukuk in simple words?** Sukuk are Shariah-compliant investments that let you earn profit from real assets or projects. Unlike bonds, they don't involve riba and follow Islamic finance principles. - **What are the main types of Sukuk?** The main types are Ijara Sukuk (lease-based, where investors receive rental income), Mudarabah Sukuk (profit-sharing), and Murabaha Sukuk (cost-plus sale). Each type carries different risk profiles. - **What is the difference between a bond and a Sukuk?** Bonds represent debt with fixed interest payments, while sukuk represent asset ownership, sharing profits or rents instead of interest. Sukuk must follow Islamic principles, making them Shariah-compliant alternatives to conventional bonds. - **Is Sukuk really halal?** Yes, Sukuk are designed to be halal. They avoid riba, are backed by real assets, and follow Islamic contracts like Ijara or Murabaha. Each Sukuk is reviewed by Islamic scholars to ensure it meets Shariah standards. - **What are green sukuk?** Green sukuk are Shariah-compliant financial certificates issued to fund environmentally sustainable projects such as renewable energy, clean transportation, and green buildings. They align Islamic finance principles with global climate goals. ### Gold & Precious Metals - **Is investing in gold halal or haram?** Investing in gold is halal if done according to Shariah principles. Physical gold is permissible when bought with immediate payment and delivery. However, some gold products like futures or margin trades may involve riba or gharar, which are not compliant. - **Are gold ETFs Shariah-compliant?** Some gold ETFs are Shariah-compliant, but not all. To be halal, the ETF must be backed by physical gold, avoid riba-based structures, and follow Islamic rules on ownership and settlement. - **What is the AAOIFI standard for gold investment?** AAOIFI Shariah Standard 57 requires that gold must be physically owned, fully paid for and delivered without delay. It also stipulates that the gold must be equal in weight and purity as well as allocated. - **Is it halal to invest in silver?** Yes, if done ethically. Shariah allows silver investment through physical ownership or fully backed ETFs. Avoid futures, options, or leveraged contracts, as speculation and interest-based trading violate Islamic finance principles. ### Specific Stock Compliance - **Is Apple stock halal?** Yes. Apple's business in consumer technology is permissible, and its non-compliant income remains within the 5% threshold. Apple also passes key financial ratio screens under AAOIFI standards. - **Is Microsoft halal?** Yes. According to AAOIFI criteria, Microsoft stock is Shariah-compliant. Its core business — software, cloud computing, and AI infrastructure — is permissible, while its riba-bearing debt and non-halal income remain within approved thresholds. - **Is Nvidia stock halal?** Yes. Based on the latest financial data, Nvidia passes the AAOIFI screening criteria. It is currently considered halal. - **Is Tesla a Shariah-compliant stock?** Yes. Based on the application of AAOIFI standards to its latest financial data, Tesla stock is currently Shariah-compliant and halal to invest in. - **Is Meta stock halal?** Yes, Meta stock passes the main AAOIFI Shariah compliance benchmarks. Its interest income is below 5% of total revenue, riba-based debt is under 30% of the market cap, and cash plus interest-based investments also remain within the 30% limit. - **Is Google a halal stock?** Yes. Google's parent company, Alphabet, currently meets AAOIFI's halal screening standards. Its debt and non-halal income remain within permissible thresholds. - **Is Amazon stock halal?** Currently Amazon stock is not halal, as it fails Shariah compliance based on AAOIFI standards. While its core business in e-commerce and cloud computing is not haram, non-permissible income and debt levels exceed halal thresholds. - **Is Saudi Aramco stock halal for Muslim investors?** Yes, Saudi Aramco operates in a halal sector (energy) and meets AAOIFI standards, but its financial statements should be reviewed frequently. Use the Tabadulat platform to check its Shariah status in real time. - **Is TSMC halal?** Yes, current financial statements show that TSMC meets Shariah-compliance standards under AAOIFI guidelines. - **Is AppLovin halal?** Yes, respected screening tools currently consider AppLovin (APP) Shariah-compliant and qualify it as a halal investment. ## Key Facts - Regulation: Licensed by FSRA in ADGM, Abu Dhabi, UAE - Shariah Standards: AAOIFI member, SSB certified - Trading Fees: Zero commission on US stocks, no hidden fees - Markets: US, European, Asian, and global exchanges - Minimum Investment: Starting from $1 (fractional shares) - Screening: Proprietary Shariah screening based on AAOIFI standards with continuous monitoring - Founded by: Samy Mohamad - Headquarters: Abu Dhabi Global Market, Abu Dhabi, UAE - Contact: support@tabadulat.com - App: Available on iOS (App Store) and Android (Google Play)