About Us

Zoya creates software to help Muslims align their faith with their finances. Our mission is to bridge Islamic values and modern finance, empowering Muslims to take control of their financial futures. Our vision is for Zoya to be the most trusted, low-cost, and most culturally-relevant Muslim money app worldwide.

Our Team

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Bilal Quadri

‍CTO & Co-Founder

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Hazmi Irfan

Engineer

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Muhammad Harfoush

Designer

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Mustafa Sibaa

Engineer

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Saad Malik

CEO & Co-Founder

Our Shariah Advisors

Joe Bradford

Sheikh Joe Bradford is an entrepreneur and an American scholar of Islam. He is the cofounder of MyWassiyah, an online Islamic estate planning service. Previously, he was a VP and Senior Shariah Consultant for AlRajhi Bank, the largest Islamic Bank in the Middle East. He holds a Master of Islamic Law from the University of Medina, and has studied traditionally in the Muslim world for the past 20+ years. Additionally, he is a Certified Shariah Adviser and Auditor (CSAA), accredited by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). Joe is sought after as an ethical finance advisor to individuals and institutions at home and abroad.

Umer Khan

Sheikh Umer Khan studied Islamic sciences at an advanced level with Sheikh Mohammad Akram Nadwi, and graduated with the highest marks in his class in his formal Shahādah al-‘Ālimiyyah degree (License in Islamic Scholarship) from Al-Salam Institute, authorized by Dar al-ʻUlūm Nadwat al-ʻUlamā', Lucknow, India. He also completed a Dars-e-Niẓāmī dawrah of the six canonical books of hadīth with Sheikh Uthman Khan. Sheikh Umer completed his iftā' (License to Give Islāmic Legal Verdicts) from Darulifta Birmingham. Sheikh Umer has a Masters in Finance (UPenn Wharton) and another Masters in Islamic Finance.

Our Investors

We're backed by these great firms, plus a number of prominent angel investors.