Our Framework
Ethical & Sharia
Framework
Built to solve the things you have thought of, but others are too focused on profits to care about.
Our Structure
99 App will operate with you in mind.
Your money will be ring-fenced, meaning it's always held securely and never used for interest-based lending or speculative activity.
Your account comes with:
- Zero interest: your money is never used to earn or pay interest (Riba).
- Secure safeguarding: funds are ringfenced, separate from company assets, safeguarded with regulated partners.
- Full transparency: you always know where your money rests and how it's handled.
Zakat & Charity Contribution
Giving made effortless and traceable.
We've made it easier than ever to manage your giving, the way it was meant to be.
• Auto-Zakat calculation
Your account automatically tracks your eligible assets and helps calculate what you owe.
• Auto-Charity contribution
Choose a percentage of your balance or income to be contributed regularly. Set it once and give seamlessly.
• Where it goes
Contributions can go to verified charities of your choosing or community projects submitted by individuals or organizations.
Project Oversight
Each project is overseen by the 99 App team to ensure integrity and full execution. Funds are locked, authorized transactions only, and every penny goes toward its intended cause.
This structure means giving becomes transparent, trustworthy, and purposeful.
Multi-Currency Accounts
Built for global citizens.
Depending on your account tier, you can hold and spend in multiple currencies seamlessly.
Basic
Gold
Each tier offers different allowances:
- Free usage within your included currencies.
- FX conversion fee only once when transferring funds.
- No additional fees thereafter for holding or using foreign currencies.
Why We're Building 99
Because no one else would.
The financial system quietly moves your money towards harm. Your capital gets lent out, reinvested, and funnelled into industries you would never stand behind. We built 99 App because we saw the same problem in our own lives and no one was offering a real solution.
- For the ethically awake: see reality as it is. Tilt the scale and bring justice through where you keep your money.
- For Muslims: keep your money with someone who holds Islamic values for what they truly are. No interest under different labels. No masks.
- For everyone who cares: a system that does not compromise, only optimises.
Your money. Your values.
One aligned flow.