Launch
Book a briefing Institutional banking infrastructure01
The infrastructure for
future-ready Islamic banking.
VALT enables financial institutions to launch, modernize, and scale Islamic finance through modular, cloud-native infrastructure designed around Sharia governance, enterprise security, and regulatory readiness.
VALT / Platform architecture Operational model
Unified infrastructureGoverned modular core
PRODUCT LAYERCoreFinanceDeposits
CONTROL LAYERComplianceReportingIntegration
01Secure by designEnterprise-grade architecture
02Sharia-compliant by principleGovernance embedded in operations
03Modular by architectureDeploy what the institution needs
Platform pathways 02
Transform without compromising certainty.
Deploy the capabilities you need, integrate with your existing ecosystem, and evolve through a controlled institutional roadmap.
The market imperative 03
Islamic banking needs a more adaptable foundation.
Digital demand, expanding access, and evolving supervisory expectations require infrastructure that can change without weakening governance.
Digital-first customers
New generations expect ethical financial products with the speed, clarity, and availability of modern digital services.
Inclusion at scale
Flexible, API-led infrastructure helps institutions extend Sharia-compliant services across products, channels, and markets.
Regulatory evolution
Embedded controls, documented configurations, and traceable data reduce operational friction as requirements evolve.
Modular product architecture 04
Deploy what you need. Scale what you grow.
Each module can stand alone while reinforcing one governed VALT ecosystem across products, controls, data, and operations.
CORE01
VALT Core
Ledger, accounts, onboarding, and KYC/AML foundations.
FIN02
VALT Finance
Murabaha, Ijarah, Mudaraba, and Musharaka workflows.
TRY03
VALT Treasury
Liquidity, interbank, Sukuk, and profit-rate operations.
TRD04
VALT Trade
Letters of credit, guarantees, and documentary collections.
DEP05
VALT Deposits
Wadiah, Mudaraba, and Wakala product management.
CMP06
VALT Compliance
AAOIFI-aligned reporting, audit trails, and Basel alignment.
RPT07
VALT Reporting
Executive, regulatory, and investor-grade analytics.
API08
VALT Integration
API gateway, middleware, adapters, and event orchestration.
WIN09
VALT Islamic Window
An end-to-end operating layer for conventional banks.
CLD10
VALT Cloud
Multi-cloud deployment, data residency, and monitoring.
Extended solution portfolio 05
One Islamic banking platform. A broader digital-finance stack.
VALT combines its Islamic banking modules with additional digital banking and payments capabilities delivered through our technology partner, CoorB.
Core Components
Loan management, automated decisioning, middleware orchestration, and Sharia-ready contract workflows.
Embedded Payments
Wallet, card, banking-as-a-service, BNPL, and payment capabilities exposed through modular APIs.
Payments Intelligence
Unified fee management, cost allocation, predictive detection, and real-time operational monitoring.
DMC Super-App Platform
Micro-app publishing, lightweight SDKs, and controlled content management without release-cycle dependency.
AI & Data Analytics
Risk and fraud detection, business intelligence, smart routing, copilots, and private language models.
One Platform Foundation
Secure APIs, cloud-native architecture, enterprise controls, observability, and scalable composability.
CoorB capabilities are offered as part of the VALT delivery ecosystem and remain subject to solution scope, licensing, and implementation agreement.
Sharia compliance by design 06
Architecturally Sharia-aligned.
Operationally governable.
Compliance is an architectural principle, not a layer added after product design. VALT connects approved structures, workflow controls, governance, and reporting in one traceable model.
Discuss your governance requirementsProduct structures
Islamic contracts, profit mechanics, and asset linkage.
Workflow controls
Approvals, segregation, exceptions, and evidence.
Governance
Sharia board oversight, policy alignment, and audit trails.
Reporting
AAOIFI-aligned outputs and traceable operational data.
Cloud-native flexibility 07
Your cloud. Your data-residency model.
Retain strategic choice across deployment, security, data residency, and operating model - within one governed platform.
One governed platformInfrastructure orchestration · Observability · Policy controls
Data residencySecurity orchestrationDisaster recoveryEnvironment integrations
Proven implementation discipline 08
Certainty is built through method, evidence, and accountability.
VALT aligns product architecture, institutional responsibilities, regulatory requirements, and delivery evidence from discovery through stabilization.
Define the institution
Scope, architecture, regulation, data, and operating model.
Configure the platform
Modules, integrations, controls, migration, and evidence plan.
Execute with control
Build, test, train, cut over, and stabilize.
Make outcomes traceable
Acceptance criteria, metrics, audit trail, and references.
Connected ecosystem 09
Specialist technology. Integrated delivery.
VALT works with CoorB to extend its platform through a curated network of banking, payments, compliance, security, and experience technologies.
Technology ecosystemAvailable through CoorB relationships
01
CoorB
CoorB02
Mambu
03
Vneuron
04
Moneythor
05
CME
06
Fineract
07
D8
08
Paymentology
09
Modupay
10
Xoxoday
11
Group-IB
12
Potech
Institutional experienceOrganizations publicly identified by CoorB
01
Saudi National Bank
Saudi National Bank02
Bank Albilad
Bank Albilad03
Investbank
04
Darapay
05
Moojpay
06
Wataniya Finance
These names reflect CoorB's publicly stated technology partnerships and delivery experience. They demonstrate experience available to the VALT ecosystem and do not, by themselves, represent direct contractual relationships with VALT.
Modular Islamic Banking InfrastructureStart a conversation 10
Define your path to future-ready Islamic banking.
Share your institutional objective, deployment environment, and governance requirements. We will map the relevant modules and implementation sequence.
Book a private briefing