Tamweel framework diagrams

Five diagrams that explain how the platform works. All figures are illustrative, in PKR.

1. Who is involved

The parties and what moves between them. Money is green, goods and title are white, oversight and records are grey.

SupplierBuyerInvestorsShariah boardAlgorand ledgerTamweel platformInvestor pool (SPV) sells the goodspays in instalmentsfund the poolapproves structuresrecords key eventsverifies and recordsowns the goods capitalprice upfrontgoods + titlegoodsinstalments

2. Two sales, in order

The pool buys from the supplier first. Only when that sale is complete does it sell to the buyer. While it holds the goods, the pool carries the risk.

SupplierPoolBuyer Sale 1Sale 2 10,500,000 upfrontgoods + titlegoods13,000,000in 6 instalments Sale 1 must complete first risk window: the pool owns the goods Day 0Sale 2 agreedMonth 6 sale 1, cash paidfinal instalment

3. Transaction lifecycle

Nine stages from application to settlement. Money moves only after the gates before it have passed.

123456789 ApplyVerify businessVerify goodsFund poolSale 1Possession checkSale 2InstalmentsSettle Late or default: recovery, loss shared by stake Shariah gate Other stage

4. Cash flow

How the buyer’s 13,000,000 becomes cost recovery, profit and investor returns. Before fees and any loss.

Buyer pays 13,000,000 in total 10,500,000 cost recovered2,500,000 profit Six instalments, equal for illustration Month 1Month 2Month 3Month 4Month 5Month 6 ≈ 2,166,667≈ 2,166,667≈ 2,166,667≈ 2,166,667≈ 2,166,667≈ 2,166,667 Shared by stake: five investors at 20% each Investor AInvestor BInvestor CInvestor DInvestor E in 2,100,000in 2,100,000in 2,100,000in 2,100,000in 2,100,000 + 500,000+ 500,000+ 500,000+ 500,000+ 500,000

5. Technology and ledger

The layers of the system, and the events written to Algorand. The ledger proves what happened. It does not replace legal ownership, contracts or possession.

Legal layer: SPV, contracts, titleApplication: Python and FastAPIRecords: PostgreSQLVerification: Algorand System of record = database. Ledger = proof. Events written on-chain Pool fundedGoods purchased (sale 1)Possession verifiedSold to buyer (sale 2)Instalment received, six timesProfit distributed Only hashes and status go on-chain.KYC, contracts and personal data stay off-chain.