For decades, access to banking was limited by geography. Traditional banks needed physical branches, making it nearly impossible to reach remote or underserved areas, leaving many people unbanked and unserved. But in a world transformed by technology, access to fair, transparent, and inclusive financial services is no longer a luxury; it’s a fundamental right. Today, all it should take is a smartphone and an internet connection. So why are 1.4 billion people still excluded from the financial ecosystem? Why do so many remain unbanked, unable to access even the most basic ethical digital tools?
We identified three fundamental missing links: the internet, smartphones, and crypto.
This global disparity highlights deeper structural gaps in the financial system. At Caiz, we asked ourselves: what’s missing? We found that while many people already have smartphones and mobile internet, they still lack access to ethical and formal financial services.
That’s where we at Caiz bring together a powerful trio: the internet, smartphones, and crypto. These three tools have the potential to build a new, inclusive financial system for all. While crypto has existed for over a decade, we recognize that the current crypto economy still struggles to serve the global audience, especially faith-driven communities like Muslims, who value Sharia principles and avoid excessive speculation, interest, and uncertainty. Unfortunately, such elements are common in both traditional finance and many existing crypto projects.
To truly make the system inclusive and unlock the full potential of this trio, we focus on Jaiz (permissible) finance, designed not only for Muslims but for anyone seeking a values-aligned financial system.
What’s Different Here?
We believe crypto, unlike traditional finance, empowers global participation by removing intermediaries. With just an internet connection, anyone can access the crypto ecosystem. But beyond access, our focus is on stability, sustainability, and long-term financial growth, and we achieve this through our wide range of stablecoins backed by real assets, Jaiz-compliant crypto products, and ethical innovation.
In contrast to many mainstream cryptocurrencies, which are often associated with excessive speculation (Gharar), interest (Riba), or non-permissible business models, we built Caiz to be structurally ethical and value-driven. Every product in the Caiz ecosystem is Sharia-compliant, reviewed and validated by qualified scholars to ensure that our operations remain transparent, secure, and principled. Rather than focusing on short-term speculation, our ecosystem encourages stable, Sharia-compliant investment options designed to align with values and promote financial dignity.
Ethics, Transparency and Values – The key Pillars
Why do we emphasize ethics, transparency, and values in the crypto space? Because the data clearly shows how quickly crypto projects vanish after launch. According to GeckoTerminal, out of 7 million cryptocurrencies launched since 2021, over 3.7 million have already died. More strikingly, in just the first three months of 2025, 1.8 million crypto projects have failed — a steep rise compared to the 1.4 million that failed throughout all of 2024.
When we dig deeper to understand the issue, we analyzed that many crypto platforms allow projects to enter the market without any proper due diligence — no KYC (Know Your Customer), no KYB (Know Your Business), and no adherence to AML (Anti-Money Laundering) guidelines. This makes it possible for anyone, even without strong technical knowledge or long-term vision, to launch a token. As a result, the market often gets flooded with unsustainable or unethical projects, which eventually collapse and cause users to lose their funds.
These realities underscore the importance of proper project evaluation before investing. The crypto market is volatile and often driven by speculation. However, when platforms enforce strict AML and KYB policies, it raises the overall quality of projects in the ecosystem and protects the public from risky or unethical ventures.
At Caiz, we deeply understand these challenges and the needs of everyday users. That’s why we emphasize ethics, transparency, and security from the ground up. Any project entering the Caiz ecosystem must pass stringent KYB procedures and must be free from prohibited activities. Most importantly, it must comply with Sharia principles, a foundation that inherently filters out speculation, uncertainty, gambling, interest (riba), and other unethical practices.
To ensure this, we’ve built an internal process called IFBA within our upcoming blockchain. IFBA includes verified layers of both crypto and Sharia experts who oversee every operation, ensuring that each project aligns with both blockchain standards and Islamic ethical frameworks.
Why We Need Purpose-Built Tools and Caiz’s Vision
The global crypto market is now worth over $3 trillion and continues to grow. Yet, for many projects, profit remains the top priority. While crypto was originally created to democratize finance, remove intermediaries, and promote fairness across borders, only a handful of projects still operate with that vision. Many have shifted toward placing profits above purpose. The rise in speculative behavior, frequent hacks, and the rapid disappearance of projects all signal a growing need for genuine, ethical, and purpose-driven tools. We know this deeply, and so at Caiz, we build financial tools that are fair, value-driven, and grounded in ethics. Every product within the Caiz ecosystem is created with intention driven by real-life utility to reduce uncertainty and speculation.
Backed by robust blockchain technology and a mobile-first approach, Caiz stands out as a purpose-driven project. We recognize that most people today already have the tools to access finance, a smartphone and internet connection but what they need are platforms that align with their values, meet their purpose, and use technology for greater good. Blockchain, at its core, is a tool for transparency, but its impact depends entirely on the people building it. At Caiz, we take this responsibility seriously. Our team brings together deep expertise in blockchain standards and Sharia principles to shape a system that serves the 1.4 billion people who are still excluded from formal banking despite having digital access.
The future of banking isn’t in skyscrapers — it’s already in your hands.
Everyone today has the means in their hands to access banking, but access alone isn’t enough. What the world truly needs is a financial system built on trust, ethics, and purpose — one that aligns with people’s values, empowers underserved communities, and prioritizes long-term dignity over short-term gains. At Caiz, we’re not just building tools; we’re building a movement — to unlock equitable finance for billions, fairly and transparently.
