Islamic Finance

IBF Net to create relationship-based transactions (RBT) ecosystem on blockchain


IBF Net (L) Ltd has embarked on a blockchain-based initiative to create a Relationship-Based Transactions (RBT) ecosystem under Digital IBF Lab, its newly created flagship.

Explaining the nature of Relationship Based Transactions (RBTs), the concept note prepared by IBF Net asserts that RBTs take place in all sectors of the economy – philanthropy, not-for-profit and for-profit – that are necessitated by recurring nature of client needs. RBTs through repeated interaction among the actors induces trust, commitment, loyalty and a long-term relationship between them.

At the same time, existing platforms that facilitate Islamic charity payments – zakat, sadaqah, cash waqf - usually provide for a one-time cash flow from the donor to the beneficiary.

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