Murabaha
An Islamic trade finance structure where a bank purchases an asset and sells it to a customer at a marked-up price, with payment deferred over an agreed period.
Murabaha is one of the most widely used Islamic finance structures, particularly in trade finance. In a murabaha transaction, a bank purchases a commodity or asset on behalf of a customer and then sells it to the customer at a price that includes an agreed profit margin. The customer pays the deferred price over an agreed period, making murabaha a cost-plus financing arrangement that complies with Sharia principles.
The key challenge in murabaha transactions is ensuring that the underlying asset exists, that the bank genuinely takes possession (even if briefly), and that the asset is not sold to another party before the murabaha is completed. CENUP's evidence-backed infrastructure addresses these challenges through ProofChain verification—connecting the asset purchase, possession, and sale into an unbroken chain of evidence.
For Islamic financial institutions, CENUP's murabaha capabilities provide the certainty and auditability required by Sharia boards and regulators, while streamlining the operational complexity of multi-party trade finance transactions.
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