AI-powered · Sharia-by-design · Travel-backed
The Sharia Transaction Infrastructure for Global Halal Travel.
KHATT’s fee-only infrastructure verifies each trip, routes supplier payments through licensed partners and governs settlement after customer collections — no cash lending, ever.
We operate a non-bank, fee-only Sharia transaction infrastructure designed to structurally prevent non-compliant transactions—built for the global halal travel economy.
Verified travel assets
Bookings, invoices, suppliers and customer deposits are checked before payment.
Direct supplier payments
Funds move to hotels, transport providers, airlines and DMCs via licensed payment partners.
Transparent economics
A fixed transaction cost is agreed upfront.
Sharia-by-design
Real goods and services, governed contracts and an auditable evidence trail.
The problem
Demand is not the constraint. Working capital is.
Travel agencies sell valuable trips, but suppliers require deposits weeks or months before customers complete payment. Traditional bank processes are often too slow and collateral-heavy for perishable travel inventory.
- Hotels, transport and group inventory require early deposits.
- Customer cash arrives in instalments.
- Agencies lose rooms, allocations and margin when capital is late.
- Informal capital is expensive, opaque and unreliable.
days suppliers are typically paid before customer cash completes (typical gap)
of trip value typically prepaid as supplier deposits (illustrative sector range)
weeks for a typical conventional bank credit decision (illustrative)
The model
Structure the transaction — not the balance sheet.
Funding, where required, comes from licensed partners. KHATT verifies, structures and monitors every step — for a fixed, disclosed fee.
Submit
The agency submits a booking, supplier invoice and supporting evidence.
Verify
KHATT verifies the agency, supplier, asset and cash-flow profile.
Structure
The transaction is structured through an approved Sharia workflow.
Pay direct
The supplier is paid directly through a licensed partner.
Monitor
Customer collections and trip events are monitored until settlement.
Grow
Successful performance increases the agency’s future programme limit.
No unrestricted cash — by design, every structured amount maps to a verified supplier obligation.
The platform
One platform. Twelve connected services.
Finance is the wedge; infrastructure is the vision. Modules ship in phases, and regulated activities are always delivered through appropriately licensed partners.
KHATT Finance
Fee-based structuring of verified travel obligations, funded by licensed partners.
KHATT Escrow
Rule-based allocation of customer funds held with licensed escrow and custody partners; KHATT holds no client money.
KHATT Payments
Multi-currency collection, settlement and reconciliation orchestrated through licensed payment institutions.
KHATT Wallet
A treasury and control workspace for agencies.
KHATT Supplier Pay
Early supplier settlement executed by licensed partners under fixed, disclosed fees.
KHATT Takaful
Referral to protection products from licensed takaful partners; KHATT never underwrites risk.
KHATT Marketplace
Verified B2B halal travel inventory.
KHATT Capital
Verified transaction data that licensed institutional funders use for their own independent decisions.
KHATT Travel Score
A travel-native agency and supplier risk profile.
KHATT Risk Graph
Relationship intelligence for fraud and concentration.
KHATT Intelligence
Demand, pricing, supplier and portfolio analytics.
KHATT AI Concierge
Operational agents for documents, cases and alerts.
The market
Why now
A USD 225B category
Global Muslim travel expenditure is forecast to remain a large and growing category — an estimated USD 225 billion by 2028 (Mastercard–CrescentRating Global Muslim Travel Index).
Year-round demand
Umrah is a recurring flow, while Hajj, Ramadan, Eid, leisure and groups diversify the portfolio.
Saudi tourism growth
Large investments in pilgrimage capacity and tourism create deeper supply and demand.
AI and open finance
Documents, cash flow and risk can now be assessed faster and at lower cost.
One line of capital. One line of trust.