Zoya Review

Zoya's screener is the best-known compliance research tool in halal investing: Shariah verdicts on 30,000+ stocks (company materials cite up to 60,000 instruments including funds) across 13 markets, run by Investroo Inc. with methodology guidance from Sheikh Joe Bradford - an AAOIFI-certified adviser and former Al Rajhi Bank sharia consultant - and Sheikh Umer Khan. AAOIFI screening is the default (over 5% non-permissible revenue or 30%+ interest-bearing debt/securities fails), with Pro users able to switch between S&P, MSCI, Dow Jones, and FTSE Russell rulebooks on the same ticker. Full reports expose the actual ratios so users can verify rather than trust.

Zoya's brokerage integration solves the maintenance problem in halal investing: portfolios drift out of compliance as companies' revenues and balance sheets change. Users link existing accounts read-only via Plaid - Zoya never sees credentials or custodies assets - and holdings sync twice daily against the screening engine, with alerts when any position's status changes. Company-reported connected assets crossed $1B in May 2026 across 400,000+ users. For action, order pass-through covers seven brokers (Alpaca, Tastytrade, Public, Webull US, Wealthsimple, Questrade, Stake), and scholar-guided remediation covers sale timing and purification when holdings turn non-compliant.

Zakat calculation built into the Zoya app, implementing the methodology of Sheikh Joe Bradford's Simple Zakat Guide: active holdings you trade or plan to keep under a year are assessed like cash at 2.5% of market value, while passive long-term holdings are assessed on your proportional share of the company's current assets, with a scholar-approved 30%-of-market-value proxy when balance-sheet data is unavailable. The calculator imports holdings automatically from linked brokerage accounts - stocks, funds, and crypto - recurses through ETF and mutual fund holdings, keeps purification separate from zakat, and lets you donate in-app through Every.org.