KHATT CAPITAL
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Legal

Regulatory & Sharia Disclaimer

What KHATT is, what it is not, and how its structures are governed and independently reviewed.

Last updated: July 2026

1. Our positioning

We operate a non-bank, fee-only Sharia transaction infrastructure designed to structurally prevent non-compliant transactions—built for the global halal travel economy.

2. What KHATT is not

  • KHATT is not a bank and does not accept deposits.
  • KHATT is not a lender and does not provide financing from its own balance sheet; it does not offer interest-based lending of any kind.
  • KHATT is not a payment institution and holds no client money; custody, escrow and payment execution are provided by appropriately licensed partners.
  • KHATT is not an insurer or takaful underwriter; protection products, where referenced, belong entirely to licensed takaful operators.
  • KHATT does not offer investments, does not guarantee returns or financing, does not provide capital protection or first-loss support, and does not conduct regulated investment activity.

3. General information only

The information on this website is for general information only and does not constitute an offer, financial advice, legal advice, Sharia advice, a commitment to provide financing or an insurance contract. Products are subject to eligibility, risk assessment, contractual documentation, regulatory requirements and independent Sharia review in the applicable jurisdiction. KHATT Capital may provide certain services through appropriately licensed banking, payment, financing, takaful and technology partners.

4. Sharia status

KHATT’s structures are designed with reference to AAOIFI standards and follow a Sharia-by-design architecture: evidence gates, approved contract templates, maker-checker payment authorisation and hard-coded prohibitions. However:

  • No fatwa, Sharia certification or legal opinion exists today, and KHATT does not describe itself or its products as Sharia-certified.
  • The Sharia Supervisory Board charter is drafted and scholar appointments are underway; all structures are subject to approval by the independent Sharia Supervisory Board upon appointment.
  • KHATT’s structures are subject to final legal documentation, regulatory approval and independent Sharia review in the relevant jurisdiction.
  • The platform is never an autonomous fatwa system; material Sharia decisions remain accountable to qualified scholars.

5. Licensed partners

Where this website refers to financing, payments, escrow, custody or takaful, those regulated activities are performed by appropriately licensed partners in the relevant jurisdiction. References to partner categories describe the intended operating model; no specific partnership should be assumed unless expressly announced.

6. Forward-looking statements and figures

Statements about plans, pilots, roadmaps, target dates and future capabilities are aspirational and subject to change; they are targets, not commitments. Market figures are attributed third-party estimates (for example, the Mastercard–CrescentRating Global Muslim Travel Index) or clearly labelled illustrative or typical ranges. Nothing on this website is an audited result, a forecast or a representation of past performance.

7. Institutional participants

Content addressed to banks, funds, family offices and other institutions is intended for qualified institutional participants; nothing on this website is an offer of securities or investment advice, and any participation is subject to a participant’s own independent evaluation, licensing, professional advice and documentation.

8. No reliance

Do not act on the basis of this website’s content. Obtain advice from your own licensed financial, legal, tax and Sharia advisers before making any decision.

9. Entity status

KHATT Capital operates from Doha, Qatar. Establishment of its operating entity in the Qatar Financial Centre is in progress. KHATT holds no financial-services licence today and structures its activities accordingly, within a deliberately narrow technology, verification and servicing perimeter.

10. Contact

Questions about this disclaimer: info@khattcapital.com · +974 3109 7714.