Use Zoya if you pick your own stocks at a normal brokerage and need a Shariah pass/fail before you click buy. Skip it if you want someone else to invest the money. Zoya is a screening and monitoring app run by Investroo Inc. It is not a brokerage, does not custody assets, and does not execute trades unless you separately use its order pass-through to a linked broker. That is the whole product. Searches for "Zoya investing app" mix it up with Wahed or a fund. It is a research tool.
The default rulebook is AAOIFI-style: more than 5% non-permissible revenue, or 30%+ interest-bearing debt or securities, fails. Scholars on the product record are Sheikh Joe Bradford (AAOIFI-certified adviser, former Al Rajhi Bank Shariah consultant) and Sheikh Umer Khan. Company materials describe verdicts on 30,000+ stocks, and up to 60,000 instruments including funds, across 13 markets. Related: Zoya vs Musaffa, HLAL ETF review, and the investing hub.
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Quick Verdict
| If you need | Use | Why |
|---|---|---|
| A fast ticker check before buying a stock | Zoya | Search, verdict, ratios. You still trade elsewhere |
| Deeper AAOIFI reports and ETF holdings tests | Musaffa | Research-heavy screener; 135,030 stocks and 8,241 ETFs on the product record |
| One diversified US equity ticker | HLAL or SPUS | You are done picking names |
| A managed portfolio | Wahed | Robo and IRAs. Zoya will not do this |
What Zoya Does
Open the app, search a ticker, read the verdict and the ratios. Pro users can switch the same name across S&P, MSCI, Dow Jones, and FTSE Russell rulebooks. A pass is the methodology's current result. It is not a personal fatwa. Status changes after debt raises, acquisitions, and segment shifts. Re-check before you buy and on a calendar.
- Business screen: conventional interest-based finance, alcohol, gambling, pork-related lines, adult entertainment, and similar categories
- Financial screen: interest-bearing debt and interest income against published thresholds (AAOIFI default as above)
- Reports: the actual ratios, so you can verify instead of trusting a colour
Brokerage Integration (Still Not a Broker)
Zoya's other product is monitoring. You can link existing brokerage accounts read-only through Plaid. Zoya never sees login credentials and does not hold the assets. Holdings sync twice daily. You get an alert if a name flips. Company-reported connected assets crossed $1B in May 2026 across 400,000+ users. Order pass-through, if you use it, covers Alpaca, Tastytrade, Public, Webull US, Wealthsimple, Questrade, and Stake. Scholar-guided remediation covers sale timing and purification when something turns non-compliant.
Linking a brokerage does not make Zoya the custodian. Your broker still holds the shares. Idle cash at that broker can still earn interest. Turn that off or purify it. Zoya's built-in zakat calculator follows Sheikh Joe Bradford's Simple Zakat Guide and can import holdings, including ETF look-through. Purification is tracked separately from zakat.
Pricing
There is a free tier for basic screening and paid tiers for extra research features, including rulebook switching. Exact prices change. Confirm inside the app before you subscribe. Start free. Upgrade only if you hit a wall.
Zoya vs Musaffa vs a Halal ETF
| Job | Zoya | Musaffa | HLAL or SPUS |
|---|---|---|---|
| What it is | Screener and portfolio monitor | Screener and research (SEC-registered adviser) | A fund you can buy |
| Holds your money | No | No (research tools) | Yes, inside the ETF |
| Shariah names on file | Sheikh Joe Bradford, Sheikh Umer Khan | Shaikh Dr. Aznan Hasan, Mufti Faraz Adam; Amanah Advisors | Fund and index boards (see each review) |
| Best for | DIY stock pickers who want speed | DIY investors who want holdings-level ETF tests | Anyone who does not want to pick stocks |
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Musaffa's US-universe check in August 2026 listed 1,339 of 6,403 screened stocks as halal, and 72 of 3,764 US-listed ETFs. That is why a dedicated Islamic ETF is often the simpler core. See best halal investment apps and best halal ETFs.
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Frequently Asked Questions
Is Zoya a brokerage?
No. It does not custody assets. Optional order pass-through sends an order to a linked broker. The broker still holds the shares.
Is Zoya free?
There is a free tier. Paid plans unlock more research. Confirm current pricing in the app.
Can Zoya guarantee a stock is halal?
No app issues a personal religious ruling. Zoya applies a published methodology. You still decide, and you can ask a scholar if your situation is unusual.
Zoya vs Musaffa: which should I use?
Zoya for speed and portfolio alerts. Musaffa for deeper reports and ETF constituent tests. Many DIY investors keep both. Full comparison: Zoya vs Musaffa.
Should beginners start with Zoya?
Only if they already want to pick stocks. Most beginners are better off with HLAL or SPUS as a core, then Zoya later for a small satellite sleeve.
Bottom Line
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See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
Zoya is the well-known US halal stock screener. Treat it as research and monitoring, not as an account to fund. Screen, trade at your broker, keep idle cash from earning interest, and put the core of the portfolio in a screened ETF unless you enjoy stock picking.
