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Vetify offers two complementary capabilities, and supports financing through four real, asset-backed Islamic finance structures. Vetify itself never lends, prices, or decides a financing outcome — it provides the infrastructure and, where a financier chooses to price and structure one of the instruments below, the contract engine that enforces it correctly. See Pricing & fees for how Vetify itself is compensated.

The two capabilities​

Private Credit Infrastructure​

Digitizes and coordinates the financing lifecycle, from application to lifecycle monitoring:

  • Digital onboarding & KYB — a business submits its financing request, legal structure, ownership, and identity details once, plus a Know-Your-Business (KYB) profile with beneficial ownership, subject to staff approval.
  • AI-assisted document review — underwriting analysis surfaces evidence (gaps, patterns, red flags) for a human reviewer. It never makes the decision itself.
  • Workflow orchestration — coordinates the many steps between an application and a signed contract: verification, matching, offer negotiation, and contract execution.
  • Lifecycle monitoring — tracks disbursement and repayment for the life of the contract, including servicing events like early settlement, maintenance requests (Ijarah), delivery milestones (Istisna), and default handling.

Liquidity-as-a-Service (LaaS)​

Improves the visibility of verified financing opportunities to participating financiers:

  • Visibility to matched financiers — once a financing request clears underwriting, it becomes visible only to financiers whose own mandate (instrument types, amount range, sector) actually matches.
  • Institutional choice, always — a matched financier decides independently whether to proceed, decline, or counter-offer. Nothing is automatically allocated.
  • No capital intermediation — Vetify never touches, holds, or moves financier or seeker funds. Disbursement and repayment happen directly between the financier and the business, tracked (not processed) by the platform.
  • Transparent workflow status — both sides see the same real-time status of a request as it moves through the process.

The four financing instruments​

Vetify deliberately supports the non-profit-and-loss-sharing family of Islamic finance structures — the structures real institutional Islamic finance actually runs on (Murabaha alone accounts for the large majority of global Islamic bank financing). A financier prices and structures exactly what it means to offer within one of these four; Vetify never invents an equivalent of its own.

All four are enforced as genuine staged contracts, not a single formula relabeled four ways:

InstrumentStructureHow it's staged
MurabahaDisclosed cost-plus sale. The financier purchases the asset, takes possession, then sells it to the business at an agreed markup.Purchase → possession → disclosed sale. A binding selling price cannot exist until real purchase and possession evidence is on record.
IjarahLease and lease-to-own. The financier retains ownership and leases the asset for rent, with an optional path to transfer it.Purchase → possession → binding lease. Includes ongoing maintenance-request handling for the life of the lease.
IstisnaManufacture or construction contract. Payment is staged as a specified asset is built to order.Staged production and delivery milestones — no possession of an existing asset, since none exists yet.
SalamForward sale. Full payment upfront for goods delivered at a future date — common in agricultural and commodity financing.Capital paid upfront against a forward delivery obligation, confirmed against delivery evidence at maturity.

Vetify does not issue Shariah opinions or determine whether any financing arrangement is Shariah-compliant. That responsibility remains with each participating institution and its own Shariah governance body — Vetify's contract engines enforce the structure a financier has chosen (e.g., that a Murabaha markup can't be set before possession is recorded), not a ruling on its compliance.

What Vetify does not offer​

To keep its role as neutral infrastructure clear, Vetify does not:

  • Extend financing, hold deposits, or act as a lender itself.
  • Price, structure, or approve any financing decision.
  • Pool or manage capital on behalf of financiers (it is not a fund or investment manager).
  • Broker or match-make financing outside the mandate-based visibility described above (it is not a marketplace with algorithmic allocation).
  • Take possession of goods, collateral, or repayments — every transfer of funds or assets happens directly between the financier and the business.