🕌 Civilization Operating System (COS)

Bismillah ir-Rahman ir-Rahim

The world's first open-source Sharia-compliant operating system backend for Islamic finance.

✨ Features

• ✅ Riba Detection Algorithm - Real-time interest detection
• ✅ Zakāt Auto-Calculator - 2.5% calculation above Nisab (595g silver)
• ✅ Halal/Haram Validator - Multi-category compliance
• ✅ 4 Madhahib Support - Hanafi, Shafi'i, Maliki, Hanbali

🤖 MCP Server Ecosystem

This project is part of the OMNI_GENESIS ethical AI infrastructure:

Repository	Description	Status
veriethiccore-mcp	EU AI Act + Halal Compliance MCP Server	✅ Live
zkhalal-mcp	Zero-Knowledge Sharia Compliance for DeFi	✅ Live
civilization-operating-system	Sharia-Compliant Backend Core	✅ This repo

Architecture Formula: COS = AutopoiesisCore(ICA × QIF × MetaBell × VEC × TT × QNS)

🚀 Quick Start

npm install
npm test

🧪 How It Works

// Mudaraba (HALAL)
detectRiba({
    profit_loss_sharing: true,
    guaranteed_return: false,
    time_based_interest: false,
    risk_distribution: 'symmetric'
}) // → false (HALAL!)

// Bank Loan (HARAM)
detectRiba({
    guaranteed_return: true,
    time_based_interest: true
}) // → true (RIBA!)

💰 Dual Licensing

• Open Source (Free): Educational, research, non-profit
• Commercial License: For banks & enterprises — Available on Gumroad

🌍 Market

Market	Size
Islamic Finance	$3.9 Trillion
Sukuk Market	$795 Billion
Islamic FinTech (21.3% CAGR)	$49 Billion
GCC AI compliance (Saudi, UAE, Qatar)	Fastest growing globally

📜 License

Islamic Open Source License (IOSL) v1.0

🤲 Sadaqah Jariyah

Developed as ongoing charity for the Ummah.

"The best of people are those who benefit others most" - Prophet Muhammad (ﷺ)

---

Author: Fatih Dinc
Email: ideaip.contact@gmail.com
DOI: 10.5281/zenodo.18672231

🕌 Alhamdulillah