For banks & institutional partners
Verified travel-transaction data and servicing for licensed funders.
KHATT verifies, structures, services and reports. Licensed institutions make their own independent funding decisions, under their own licences and with their own advisers.
Institutional notice. This page is intended for qualified institutional participants; nothing on this page is an offer of securities or investment advice. KHATT takes no deposits, offers no investment products, quotes no returns and holds no client money. Any participation is subject to a participant’s own independent evaluation, licensing, professional advice and documentation.
Partnership models
Six ways licensed institutions work with KHATT.
Islamic banks
Origination, travel-specific underwriting support, supplier verification, servicing and white-label APIs.
Private credit funds
Evidence, servicing and reporting for pools they structure under their own licences.
Family offices
Data access to evaluate short-tenor real-economy transactions with their own licensed advisers.
Payment partners
Collection, virtual accounts, escrow, settlement and reconciliation — delivered under the partner’s licence.
Takaful operators
Referral-based distribution and event data; underwriting, reserves and claims remain entirely with the licensed operator.
Travel platforms
Structuring and supplier-pay APIs inside booking and ERP workflows.
Evidence first
What institutional partners can review.
- Corporate file and regulatory activity map.
- Sharia product papers, contract map and approval records as governance completes.
- Credit policy, limits and concentration framework.
- Security architecture and maker-checker process maps.
- Per-transaction evidence packs: KYB, booking and customer demand, supplier contract and invoice, contract package, payment instruction and performance record.
Built to keep roles clean
- KHATT’s perimeter is deliberately narrow: technology, origination support, verification and servicing.
- Funding structures are designed as ring-fenced, segregated pools — never on KHATT’s balance sheet.
- Fee-only economics by design: no interest income, no late-payment income, no guarantee fees, no gain on receivable sales.
- Reporting is evidence-first: every figure traces to a verified transaction record.
Request the bank partnership deck, data room and proposed pilot structure.
For qualified institutional participants only.