Our Services
Every cooperative service, one wallet
Your AL-HALAL wallet is split into segments so it's always clear what your money is for — and every service below is built to keep transactions halal, transparent, and member-first.
Special Deposit
Your primary, freely withdrawable account. Deposit anytime by notifying us — funds are credited once confirmed, and this is the only segment you can withdraw externally.
- ✓Instant deposit notification from the app
- ✓Auto-approved withdrawals up to ₦5,000
- ✓Foundation for every other service
Savings & Shares
Build long-term savings and hold shares in the cooperative — both count toward your loan eligibility.
- ✓Grows your standing in the cooperative
- ✓Directly increases your loan eligibility
- ✓Fully visible in your wallet at all times
Investment Window
Participate in periodic investment windows and share in the cooperative’s halal-compliant returns.
- ✓Seasonal investment windows announced in-app
- ✓Transparent qualification thresholds
- ✓Zero interest — profit-and-loss sharing model
Interest-Free Loans (Qard Hasan)
A benevolent loan with zero interest — you repay only what you borrowed, nothing more, ever.
- ✓Guarantor consent required
- ✓4-step officer approval process
- ✓Disbursed directly to your bank account
Transparent Purchases (Murabaha)
Request goods through the cooperative at a clear, agreed price — the profit the cooperative adds is disclosed to you upfront, never hidden.
- ✓Price shown explicitly, item by item
- ✓Pay instantly or on 90-day instalment
- ✓No interest — a fixed, disclosed price
Bills & Airtime
Pay for airtime, mobile data, TV subscriptions, and electricity tokens directly from your wallet.
- ✓MTN, Airtel, Glo, 9mobile airtime & data
- ✓DSTV, GOTV, Startimes subscriptions
- ✓Prepaid & postpaid electricity tokens