Investing · Zoya
Zoya Brokerage Integration
Co-Founder & CEO, HalalWallet
Facts are re-verified against Zoya's published materials; this page updates when the provider's terms, rates, or coverage change.
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.
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What is the Zoya Brokerage Integration?
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.
- Contract structure: Stock Screener.
- Available in all 50 states.
- Shariah oversight disclosed: Named Scholar.
- Verified against Zoya's published materials on 2026-08-05.
Source: HalalWallet (halalwallet.us)
Key facts
- Structure
- Stock Screener
- Program type
- Brokerage
- Management fee
- $14.99/month or $119.99/year
- Screening method
- AAOIFI standards
- Focus
- Portfolio Compliance Monitoring
- Account types
- Individual, IRA, Roth IRA
- Availability
- all 50 states
- Shariah oversight
- Named Scholar
- Provider founded
- 2020
- Last verified
- 2026-08-05
Facts are taken from Zoya's published product materials and were last verified on 2026-08-05. Fields the provider does not publish are omitted rather than estimated.
Our take
This is the feature that turns Zoya from a lookup tool into ongoing oversight, and it addresses the compliance problem most halal investors never think about: a portfolio screened once does not stay screened. The Plaid-based read-only design is the right architecture - no credential sharing, no custody, no need to move brokers - and twice-daily syncing with change alerts means a holding that fails AAOIFI ratios gets flagged in your pocket rather than discovered at zakat time. The $1B in connected assets suggests real adoption. Its limits are clear: flags require you to act, purification remains your job (with guidance), and live trading pass-through covers only seven brokers. Priced inside Zoya Pro - cheaper via web checkout than app stores - it is the strongest argument for paying for Zoya at all.
Strengths
- Links your existing brokerage so holdings are monitored for compliance automatically
- No need to move accounts or switch brokers
- Scholar-guided methodology behind every compliance verdict
- Alerts when a linked holding's compliance status changes, so drift gets caught early
Watch-outs
- Requires a paid plan for real use - $14.99/month or $119.99/year via app stores
- Monitoring only - it flags issues but does not trade or purify for you
- Trading pass-through covers just seven brokers; everything else is read-only tracking
Is the Zoya Brokerage Integration halal?
Zoya's brokerage integration solves the problem that screening alone can't: a portfolio that was halal when you built it doesn't stay halal by itself. Linking your existing account (read-only via Plaid, with trading pass-through at supported brokers) lets Zoya sync holdings twice daily and re-screen them continuously under AAOIFI rules - over 5% of revenue from prohibited sources, or interest-bearing debt or securities above 30% of market capitalization, fails a company - with smart alerts when any holding changes status. The design is deliberately non-custodial: Zoya never holds your assets or executes trades itself, so the halal verdicts stay independent of any brokerage economics. When a holding does fall out of compliance, the guidance is scholar-grounded rather than improvised: sell immediately as the most conservative option, or apply the grace period practice used by the Shariah boards of Islamic funds, then purify any dividends or gains earned during the non-compliant window. Zoya's advisors - Sheikh Joe Bradford (AAOIFI-accredited CSAA, Master of Islamic Law from the University of Medina, ex-Al Rajhi Bank) and Sheikh Umer Khan (mufti with a Wharton Master's in Finance) - recommend combining dividend and capital-gains purification for a comprehensive cleanse. The honest framing: this is advisor-guided monitoring under Zoya's own replication of published methodologies, not a formal board certification of your portfolio.
Shariah oversight disclosed by Zoya
Shariah Advisors: Sheikh Joe Bradford & Sheikh Umer Khan. Oversee screening methodology.
HalalWallet reports the Shariah documentation a provider publishes. We do not issue certifications; consult a qualified scholar for a personal ruling.
What you get
- Read-only account linking via Plaid - Zoya never sees credentials or custodies assets
- Holdings synced twice daily and re-screened continuously, with alerts on compliance changes
- Trading pass-through at seven brokers including Alpaca, Public, Webull, Wealthsimple, and Questrade
- Scholar-grounded guidance when holdings turn non-compliant: immediate sale or fund-board-style grace period, plus purification
- Tracks brokerage, retirement, crypto, 529, and HSA accounts (per Zoya's supported account types)
- Free tier links one account; Pro links unlimited accounts with on-demand syncing
Cost and terms
Requires Zoya Pro for full use: $14.99/month or $119.99/year US app-store pricing (verified via Zoya's help center 2026-08-05), or pay-what-you-think-is-fair (~$9-$11/month anchors) through the web checkout. Free tier links one account with limited features; Pro links unlimited accounts with on-demand syncing.
How it compares
Other investing providers we list in the U.S., ordered by HalalWallet Index grade.
| Product | Structure | Shariah oversight | Availability | Grade |
|---|---|---|---|---|
| Zoya Brokerage Integration (this page) | Stock Screener | Named Scholar | all 50 states | — |
| Manzil Trading (Self-Directed Halal Stock Trading) | Self-directed brokerage with real-time AAOIFI screening (Zoya) | Formal Board | all 50 states | A |
| Wahed Real Estate Fund | Zero-debt single-family rental fund (100% equity) | Third-Party Certified | all 50 states | B+ |
| SPFunds SP Funds S&P World ETF | Index-based | Third-Party Certified | all 50 states | B |
| Amana Income Fund (AMANX) | Mutual Funds | Third-Party Certified | all 50 states | — |
Other Zoya products
- Zakat Calculator
Zakat Calculator · Stock Screener
- Zoya Stock Screener
Investing · Stock Screener
Where it's available
Zoya lists the Zoya Brokerage Integration as available in all 50 states.
Availability may vary by product and can change; verify with Zoya before applying.
Frequently asked questions
Is the Zoya Brokerage Integration halal?
Zoya's brokerage integration solves the problem that screening alone can't: a portfolio that was halal when you built it doesn't stay halal by itself. Contract structure: Stock Screener. Shariah oversight disclosed by Zoya: Named Scholar. HalalWallet reports what the provider documents; we do not certify products.
How does the Zoya Brokerage Integration work?
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.
What does the Zoya Brokerage Integration cost?
Requires Zoya Pro for full use: $14.99/month or $119.99/year US app-store pricing (verified via Zoya's help center 2026-08-05), or pay-what-you-think-is-fair (~$9-$11/month anchors) through the web checkout. Free tier links one account with limited features; Pro links unlimited accounts with on-demand syncing.
Where is the Zoya Brokerage Integration available?
Zoya lists this product as available in all 50 states. Availability can change and may differ by state; verify directly with Zoya.
What are the alternatives to the Zoya Brokerage Integration?
In the same category we also list Manzil Trading (Self-Directed Halal Stock Trading) (HalalWallet Index A), Wahed Real Estate Fund (HalalWallet Index B+), SPFunds SP Funds S&P World ETF (HalalWallet Index B). Compare every option side by side on our Halal Investing hub.
When was this Zoya product information last verified?
HalalWallet last verified the Zoya Brokerage Integration details against Zoya's published materials on 2026-08-05. Rates, fees, and availability can change after that date.
How to use this comparison: HalalWallet is an independent educational comparison platform - by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider - their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-08-05
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