---
title: "AAOIFI Shariah Standards — KYE Protocol™ coverage"
description: "AAOIFI Shariah Standards coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/aaoifi-shariah-standards/
lang: en
source: "KYE Protocol"
---

> AAOIFI Shariah Standards coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

AAOIFI Shariah Standards

# AAOIFI Shariah Standards — 88% of in-scope requirements covered.

31 requirements · 4 in scope (3 enforced · 1 designed) · 27 out-of-scope (outside KYE™’s authority layer). The 88% is weighted over the in-scope base.

**Source:** AAOIFI — Shariah Standards (full text compilation), Bahrain

## By category

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| Shariah Standards (substantive contract rulings) | 31 | 3 | 1 | 0 | 0 | **88%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `aaoifi-shariah-standards.R1` | Adoption of AAOIFI Shariah Standards as the authoritative basis for board approvals | enforced | **audit\_events**: `kye.purpose.request.v1`, `kye.purpose.admissibility.v1`, `kye.evidence.decision_map.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `aaoifi-shariah-standards.R2` | Evidence that a product's certification cites the applicable AAOIFI Shariah Standard(s) | enforced | **audit\_events**: `kye.purpose.admissibility.v1`, `kye.evidence.pack.v1`, `kye.compliance.attestation.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `aaoifi-shariah-standards.R3` | Recording of board resolutions referencing AAOIFI Shariah Standards | enforced | **audit\_events**: `kye.evidence.pack.v1`, `kye.evidence.tool_call.v1`, `kye.replay.context_seal.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/13-RESILIENCE-LOOP.md`, `constitution/12-PURPOSE-PERMISSION.md` |
| `aaoifi-shariah-standards.R4` | Shariah audit that the institution's practice conforms to adopted AAOIFI Shariah Standards | designed | **audit\_events**: `kye.replay.proof.v1`, `kye.compliance.attestation.v1`, `kye.evidence.pack.v1` **engines**: `internal`, `internal` **constitution\_refs**: `constitution/21-DELEGATED-AUDITABILITY.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `aaoifi-shariah-standards.SS1` | Shariah Standard No. 1 — Trading in Currencies | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS2` | Shariah Standard No. 2 — Debit/Credit and Charge Cards | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS3` | Shariah Standard No. 3 — Default in Payment by a Debtor | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS4` | Shariah Standard No. 4 — Settlement of Debt by Set-Off | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS5` | Shariah Standard No. 5 — Guarantees | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS7` | Shariah Standard No. 7 — Hawalah (assignment of debt) | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS8` | Shariah Standard No. 8 — Murabaha | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS9` | Shariah Standard No. 9 — Ijarah and Ijarah Muntahia Bittamleek | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS10` | Shariah Standard No. 10 — Salam and Parallel Salam | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS11` | Shariah Standard No. 11 — Istisna' and Parallel Istisna' | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS12` | Shariah Standard No. 12 — Sharikah (Musharaka) and Modern Corporations | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS13` | Shariah Standard No. 13 — Mudaraba | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS14` | Shariah Standard No. 14 — Documentary Credit | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS17` | Shariah Standard No. 17 — Investment Sukuk | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS18` | Shariah Standard No. 18 — Possession (Qabd) | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS19` | Shariah Standard No. 19 — Loan (Qard) | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS20` | Shariah Standard No. 20 — Sale of Commodities in Organised Markets | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS21` | Shariah Standard No. 21 — Financial Paper (Shares and Bonds) | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS23` | Shariah Standard No. 23 — Agency (Wakala) and the Act of an Uncommissioned Agent | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS25` | Shariah Standard No. 25 — Combination of Contracts | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS26` | Shariah Standard No. 26 — Islamic Insurance (Takaful) | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS30` | Shariah Standard No. 30 — Monetization (Tawarruq) | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS31` | Shariah Standard No. 31 — Controls on Gharar in Financial Transactions | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS35` | Shariah Standard No. 35 — Zakah | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS38` | Shariah Standard No. 38 — Online Financial Dealings | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS49` | Shariah Standard No. 49 — Unilateral and Bilateral Promise | out-of-scope | _(no enforcement cited)_ |
| `aaoifi-shariah-standards.SS59` | Shariah Standard No. 59 — Sale of Debt | out-of-scope | _(no enforcement cited)_ |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).