# Amanah Product Value

Source human pages:

- https://amanah.finance
- https://amanah.finance/features
- https://amanah.finance/how-screening-works
- https://amanah.finance/hr-risk-score-summary
- https://amanah.finance/api

This machine-readable page is derived from Amanah's existing public pages and visible page components.

## Core User Value

Amanah presents itself as a transparent Islamic investment platform.

The public pages emphasize:

- Comparing all eight major global Shariah screening methodologies side by side.
- Showing actual financial numbers and ratios where available.
- Explaining complex screening output in simpler language.
- Adding Human Rights Risk Score as a separate ethical risk layer.
- Supporting educational understanding of Shariah screening and Islamic finance concepts.

## Eight Methodology Comparison

The Features page lists these methodologies:

- AAOIFI.
- DJIM.
- MSCI.
- FTSE Yasaar.
- S&P Shariah.
- Malaysia SAC-SC.
- Meezan Bank.
- Indonesia DSN-MUI / OJK.

The landing feature sections describe side-by-side comparison across these standards.

## Transparency

The public feature copy says Amanah shows actual numbers, including debt-to-market-cap ratios, interest income percentages, liquid assets calculations, and thresholds that determine compliance.

The screening guide says every result includes methodology applied, criteria assessment, detailed calculations with exact figures, source documentation, and assessment date.

## Human Rights Risk Score

The Human Rights Risk Score adds a separate public-source-based ethical risk signal. It is independent from Shariah compliance screening.

It is educational and informational only, not a legal finding, court judgment, official certification, or investment advice.

## AI Explanations

The Features page says Amanah's AI assistant translates technical screening output into plain English and can explain financial ratios, simplify Islamic finance concepts, clarify why a stock passed or failed, and break down differences between methodologies.

Do not claim AI explanations replace deterministic screening calculations. The screening guide states that financial ratios are calculated using deterministic, rules-based methods and not AI or machine learning models.

## Enterprise Value

The API page describes Halal Compliance as a Service for platforms, portfolios, and AI agents.

Enterprise-facing value includes:

- B2B APIs.
- Human Rights Risk Score API.
- MCP and advisor chat.
- Developer sandbox.
- Entitlement-controlled production onboarding.
- White-label assistant experiences described as later white-label assistant experiences.

Use the OpenAPI contract for exact endpoint names and schemas.