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Frequently Asked Questions (FAQ)

Everything you need to know about Nani Fintech Plus, our Sharia-compliant savings, and investment platform.

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1. Is Nani Fintech Plus Sharia-compliant?

Yes! All Nani Fintech Plus products, including Ayuto Savings and halal investment portfolios, are designed to comply with Sharia principles. Our Sharia Supervisory Board oversees product design and governance, ensuring that all offerings avoid riba (interest), gharar (uncertainty), and haram activities. Final certification will be issued by our board and publicly available once approved.

2. Are my funds protected under FSCS?

Nani Fintech Plus uses segregated accounts with partner banks to keep user funds separate from company operations. While we follow strict financial regulations and risk management practices, our platform currently does not fall under the FSCS (Financial Services Compensation Scheme). However, your money is securely held in insured accounts, and we implement bank-level security protocols to ensure safety.

3. What fees does Nani Fintech Plus charge?

Our fee structure is simple and transparent:

  • Account Access: Free to open and use.
  • Deposits: No fees.
  • Withdrawals & Transfers: Minimal, transparent fees, clearly shown before each transaction.
  • Investment Management Fees: Low, transparent, and performance-based β€” we only earn a fee when your investments grow.

No hidden charges β€” all fees are disclosed upfront.

4. How does Ayuto Savings work?

Ayuto Savings is a Sharia-compliant, digital savings model designed to help you grow your money ethically:

  • You deposit funds into your Ayuto account.
  • Your funds are pooled into halal investments, avoiding interest-based activities.
  • Growth is generated according to Sharia-compliant investment principles.
  • You can monitor returns and manage withdrawals in real time via your dashboard.

Ayuto Savings combines technology, transparency, and Sharia compliance, making ethical saving easy and accessible.

5. How do I open an account?

Opening an account is fast and free:

  • Sign up using our website or app.
  • Verify your identity through a simple KYC (Know Your Customer) process.
  • Start saving or investing immediately β€” account setup is free.
6. How secure is my money and data?

Nani Fintech Plus implements bank-level encryption (AES-256, TLS 1.3), AI-driven fraud detection, and regular security audits to protect both funds and personal data. Your money is held in segregated accounts and all transactions are fully encrypted.

7. Can I withdraw my funds anytime?

Yes! Withdrawals from Ayuto Savings or investment portfolios are simple and transparent. Small fees may apply for bank transfers, which are clearly displayed before confirming.

8. Who can use Nani Fintech Plus?

Anyone looking for a Sharia-compliant, digital fintech solution can open an account. Whether you’re starting small with Ayuto Savings or investing in halal portfolios, Nani Fintech Plus is designed for accessibility, transparency, and ethical financial growth.

9. Where can I find my Sharia compliance certificate?

Once officially issued by our Sharia Supervisory Board, the Sharia Compliance Certificate will be available for download on our website under the Sharia Board & Compliance page.

10. How can I get support or more information?

Our team is available via:

  • Email: support@nanifintech.com
  • Website contact form

We also provide educational guides and FAQs for users to understand Sharia finance and Ayuto Savings.

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