Selection
The customer selects merchant-listed goods at the merchant's published cash price.
A purchase journey built around ownership—not cash lending.
Tappo supports a documented Murabaha workflow in which the customer chooses real goods, the financing institution acquires them, and only then sells them to the customer at a clearly agreed deferred price.
Real merchant goods Price and profit disclosed before acceptance Bank acquisition precedes customer ownership Signed, verifiable evidence
One transaction. Two genuine sales. A traceable sequence.
Disclosure
The cash price, Murabaha profit, deferred sale price and repayment schedule are shown together.
Customer acceptance
A time-limited server quotation freezes the goods, merchant, financing allocation, prices and terms version.
Bank acquisition
The institution pays the merchant and records acquisition and possession evidence.
Deferred sale
Only after acquisition confirmation is ownership transferred to the customer on the accepted terms.
Delivery & settlement
Merchant delivery, customer receipt, repayments and final settlement remain linked to the evidence trail.
Evidence designed for review and verification
Evidence designed for review and verification
The existing customer receipt is enhanced with the commercial and ownership evidence needed to understand the transaction sequence.
- Unique document and quotation reference
- Merchant, buyer and item snapshot
- Cash price, disclosed profit and deferred price
- Bank acquisition and ownership-transfer timestamps
- Delivery, receipt and settlement status
- Versioned hash, server authentication code and QR verification
TAPPO · SAMPLE
Ownership transferredIllustrative ownership evidence
MRB-SAMPLE-2026-001Cash price1,000.00
Disclosed profit60.00
Deferred price1,060.00
Bank acquisition confirmed
Ownership transferred to customer
SHA-256 · SIGNEDScan to verify document integrity
Governance
Controls for participating financial institutions
Configure institution and product policies
Authorize acquisition-confirmation roles
Confirm merchant payment and possession
Monitor ownership, delivery and settlement
Download signed evidence and review lifecycle events
Integrate payment confirmation APIs as volume grows
Merchant participation and business financing
Merchant participation and business financing
Sell through Tappo
- Publish prices, discounts and stock
- Receive authorized financed purchases
- Track orders and record delivery
- Receive merchant payment through the approved flow
Apply for business financing
- Company TIN and legal name
- Commercial registration and business licence
- Optional VAT certificate and legal formation
- General-manager and required marital-status documents
- Institution-specific verification and approval
Joining Tappo or making sales does not guarantee financing. Each application remains subject to verification, affordability, eligibility and the participating institution's approval.
Precise claims. Reviewable controls.
Tappo is designed to support a documented Murabaha workflow and provide evidence for institutional and Shariah review. Each financing product remains subject to the participating institution's legal, regulatory and Shariah governance. Tamper-evident server verification supports record-integrity checks; it does not by itself constitute a Shariah certification.
FAQ
Murabaha questions
When does the customer own the goods?+
After the financing institution's acquisition and possession have been confirmed and the deferred sale is executed.
When is the merchant paid?+
The merchant is paid through the institution's approved acquisition flow before ownership is transferred to the customer.
What does the QR certificate prove?+
It verifies the document hash, server authentication code and recorded lifecycle. It clearly distinguishes verified server-quoted acceptance from legacy evidence.
Is every Tappo product automatically Shariah certified?+
No. Product approval and certification remain with the participating institution and its qualified governance authorities.