Palm USD Integration

Zakflow

Shari'ah-compliant remittance — Palm USD stablecoin powering ethical cross-border transfers.

☪ SHARI'AH COMPLIANT

Colosseum Frontier Hackathon 2026

The Problem

1.9B Muslims need halal finance. Traditional remittance fails them.

  • 🏦 Interest-bearing rails — SWIFT and Western Union charge fees built on riba (interest)
  • ⏰ 3–5 day settlement — Cross-border transfers are still painfully slow
  • 💸 $48B in annual fees — Remittance fees average 6.2% globally; OIC corridors even higher

The Solution

Palm USD stablecoin + Zakat-on-Send = ethical, instant, low-cost transfers.

☪

Palm USD Transfer

Send stablecoins via Solana. No interest. Settlement in seconds, not days.

💧

Zakat-on-Send

Optional 2.5% auto-deduction routed to verified charity wallets.

📊

Compliance Dashboard

Track Zakat history, donation receipts, and compliance status on-chain.

The Transfer Flow

Sender
→
Palm USD
→
Zakat 2.5%
→
Recipient
Zakflow Transfer Engine
[send] › Transfer: 1,000 Palm USD → Jakarta, ID
[zakat] ⚙ Auto-deduction: 25 Palm USD (2.5%) → charity wallet
[settle] ✓ 975 Palm USD received — settled in 1.2s
[fee] ✓ Total fee: $0.001 (vs. $62 via SWIFT)

Production Ready

0%

Test Coverage

Zero

Lint Warnings

1.2s

Settlement

Next.js 16 React 19 Palm USD Solana Tailwind v4 Vitest

Experience Zakflow

🚀
Live Demo
zakflow.edycu.dev
 📦
Source Code
edycutjong/zakflow

$0.001 per transfer. 1.2s settlement. Shari'ah-first.