Introduction: Sanafi Ethical Products (SEP)

Sanafi - AI-Driven Ethical Onchain Banking is redefining ethical finance with a simple, transparent, and globally accessible platform on the Solana blockchain. Launched in May 2025, Sanafi targets the $7-10 trillion ethical finance market (projected to reach $35-50 trillion by 2030-2034) with its MVP, engaging the community through $SanaSOL staking and an AI Chat Interface. This paper explores Sanafi’s current and future ethical products, including a mobile app (SuperApp) and Solana Permissioned Environment (SPE), highlighting their features and benefits.

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1. Introduction

The ethical finance market, valued at approximately $7-10 trillion in 2025 and projected to grow to $35-50 trillion by 2030-2034, offers vast potential yet remains underserved. Sanafi - AI-Driven Ethical Onchain Banking, launched on the Solana blockchain in May 2025, delivers a "Revolut-like" platform that’s ethical, onchain, and globally accessible. With a growing member community, Sanafi empowers Web2 users and crypto natives with ethical financial solutions that are free from interest (riba) and unethical investments.

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2. The Problem Addressed

Ethical investors encounter hurdles in traditional finance: value misalignment from interest-based systems plus unethical investments, high fees, minimum capital requirements, and limited access. Our research shows that 70% are seeking transparent alternatives. Sanafi’s products address these issues with a scalable, onchain solution.

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3. Sanafi’s Ethical Products

3.1 Current Products

• $SanaSOL Staking: Overview: An ethical liquid staking solution on Sanctum ( token: 4cXnd9vkCgGVqMnj66FXxL94SBFzS9uyortADymZWmEe ), offering 7-10% APY with liquidity. Detailed Features: Launched in May 2025, users stake SOL to receive $SanaSOL tokens, earning yields with real-time tracking. Users are staking, with options to redeem SOL or reinvest, catering to all experience levels. Benefits: Provides an ethical income, boosting wealth accumulation and Total Value Locked (TVL).

• AI Chat Interface: Overview: An AI tool for ethical knowledge, engaging for growing the user base. Detailed Features: Offers personalized insights on ethical finance topics. Powered by Perplexity and covers investment options, compliance, and staking benefits. Benefits: Simplifies ethical finance education, building user trust.

3.2 Upcoming Products (In-Progress)

• AI-Powered Ethical Investments: Overview: AI-driven recommendations for ethical assets (stocks, sukuk, real estate, crypto). Detailed Features: This uses AI to analyze user preferences and trends, offering real-time updates with no minimum capital. Benefits: Enables personalized, accessible ethical investing.

• Interest-Free Accounts: Overview: Onchain wallets and debit cards are avoiding interest (riba). Detailed Features: Integrates with Solana for instant transactions, featuring debit cards via 3rd party and a dashboard for balance tracking. Benefits: Offers cost-effective, ethical banking.

• Ethical Spending & Rewards: Overview: Debit cards with rewards at ethical merchants. Detailed Features: Linked to Sanafi accounts, offering discounts or $SANA ( token: 5dpN5wMH8j8au29Rp91qn4WfNq6t6xJfcjQNcFeDJ8Ct ) rewards, with a mobile interface for tracking and redemption. Benefits: Promotes ethical consumption and loyalty.

• Sanafi Mobile App (SuperApp): Overview: An all-in-one mobile app integrating Sanafi’s services. Detailed Features: Available on iOS, Android, and Solana dApp store, it combines $SanaSOL staking, AI investments, and accounts in a sleek, multilingual interface (English, Arabic, Indonesian). Features non-custodial wallet integration and real-time AI insights, with beta testing refining usability. Benefits: Simplifies onchain banking for Web2 users, enhancing global access and retention.

• Profit-Sharing Pools: Overview: Interest-free pools distributing returns from ethical investments. Detailed Features: Aggregates funds into ethical assets, providing transparent reports and flexible withdrawals. Benefits: Ensures equitable returns for users.

3.4 Planned for 2026:

• Solana Permissioned Environment (SPE) (Private SVM L2): Overview: A private, secure blockchain layer for sensitive ethical transactions. Detailed Features: Built on Solana’s infrastructure, SPE offers enhanced privacy for high-value transactions (e.g., tokenization, microfinance), with encrypted data handling and compliance with ethical standards. It integrates with Sanafi’s superapp for seamless user access. Benefits: Ensures security and confidentiality, appealing to privacy-conscious ethical investors.

• Sanafi Stablecoin or Gold as a Stablecoin: Overview: An ethical stablecoin for payments and savings Detailed Features: Fiat-backed or Gold-backed for stability, with a dashboard for value tracking and payment integration. Benefits: Provides a secure, inflation-resistant option.

• Tokenization of Ethical Assets: Overview: Tokenizes assets like commodities and real estate. Detailed Features: Offers fractional ownership with blockchain records and real-time valuations, ensuring ethical sourcing. Benefits: Expands investment diversity.

• Zakat, Sadaqah, and Donation Platform: Overview: Facilitates ethical donations. Detailed Features: Supports $SANA or $SanaSOL donations to verified charities, with a zakat calculator and impact reports. Benefits: Enhances charitable giving.

• Seamless Cross-Border Payments for Business: Overview: Low-cost, ethical international transfers Detailed Features: Uses Solana’s speed with multi-currency support and ethical compliance checks. Benefits: Improves global inclusion.

• P2P Lending Platform: Overview: Ethical peer-to-peer lending. Detailed Features: Connects lenders and borrowers with transparent, interest-free terms and AI risk assessment. Benefits: Offers alternative financing.

• Microfinance Platform: Overview: Small-scale ethical loans. Detailed Features: Provides microloans with flexible plans, monitored by AI for compliance and impact. Benefits: Empowers underserved communities.

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4. Market Opportunity

The ethical finance market, encompassing sustainable finance and Islamic finance, is valued at approximately $7-10 trillion in 2025, with a projected growth to $35-50 trillion by 2030-2034, offering Sanafi a more than $100 billion addressable market.

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5. Conclusion

Sanafi’s ethical products, including the mobile app and Solana Permissioned Environment, provide innovative solutions to traditional finance challenges. Explore this transformative platform at sanafi.xyz.

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