Embed Institutional Shariah Yields Directly Into Your App
Thameen's B2B API middleware connects digital wallets and neobanks to automated yield rails — turning idle consumer balances into active wealth preservation.
Aggregate user balance
$100,000
Projected annual yield generated
$3,500
≈ $292 per month, accrued daily across your user base
Why Thameen
Infrastructure that turns deposits into a product feature
Zero B2C CAC
Plug directly into your existing user base via a single API integration without paying retail acquisition overhead.
No Banking License Required
Leverage our regulated institutional banking rails without complex regulatory or compliance overhead.
Automated Ledgering & Daily Liquidity
Real-time micro-balance sub-ledgering with zero capital lockup for end users.
Multi-Asset Architecture
One Integration. Universal Asset Access.
A single rail abstracts every yield asset class. Ship deposits today; activate gold and sukuk with a config flag as each phase goes live — no re-integration.
Cash & Term Deposit Pools
Low-risk wholesale yield pools powered by partner Islamic Banks.
24K Physical Vaulted Gold
100% physically allocated inflation hedge.
Sukuk & Fixed-Income Pools
Sovereign and corporate Islamic bond yield pools.
Revenue Model
Built-In Revenue Share for FinTech Partners
Total Spread Engine
~100 bps
Captured between wholesale pool rates and end-user yield
Thameen Orchestration
75 bps
Rails, ledgering, compliance & bank operations
Direct Partner Rev-Share
25 bps
Paid to your platform monthly, per aggregated balance
Developers
Two endpoints. One afternoon of integration.
RESTful APIs with idempotent ledger writes, sandbox keys on request, and webhooks for every accrual event. Your users never leave your app.
- GET /v1/yield/balances — live APY & accrued yield
- POST /v1/ledger/rebalance — move float into yield pools
- Webhooks for daily accrual & settlement events
$ curl https://api.thameen.app/v1/yield/balances \-H "Authorization: Bearer sk_live_…"{"object": "yield_balance","rail": "islamic_deposits","apy_bps": 350,"liquidity": "T+0_daily","aggregate_balance_usd": 4821500.00,"accrued_yield_usd": 462.19,"shariah_framework": ["wakalah", "murabaha"]}$ curl -X POST https://api.thameen.app/v1/ledger/rebalance \-d '{"from": "wallet_float", "to": "deposit_pool", "amount_usd": 250000}'{ "status": "settled", "settlement": "T+0", "ledger_entries": 1284 }
Ready to monetise idle balances in your digital wallet?
Join the wallets and neobanks already earning on every dirham, riyal and dollar their users hold. Sandbox access within one business day.
Schedule Technical Onboarding