Uzbekistan's Islamic Banking Law (LRU-1126) takes effect at the end of June 2026, letting conventional banks run "Islamic windows" alongside conventional banking. PLATMA ships the Sharia-compliance layer those windows need — product line, screening, a Sharia-board decision queue and an audit-ready trail — in a fully isolated cabinet.
Signed in March 2026, in force from the end of June 2026 — a dual banking system with national-level Sharia oversight, aligned to international standards.
A UNDP survey found 68% of the population and 60% of businesses prefer financial services aligned with their beliefs — a large pool of savings kept outside conventional banking. Estimated financing potential: up to $5B per year.
Separate accounting, a dedicated "Sharia compliance" function, an institution-level Sharia board, and a specialized external Sharia audit every year. PLATMA is built to satisfy exactly these — continuous compliance plus an immutable trail.
Separate tables, separate endpoints, a separate app on its own address. Accounting and operations are isolated from conventional banking — matching the regulator's separation requirement and reassuring clients that the boundary holds.