Muslim Investors’ Guide: Tabadulat vs Baraka Explained

As Halal investing matures, Muslim investors are increasingly looking beyond basic stock filters. Today, the focus is not only on what assets are Halal, but on how deeply Shariah principles are embedded into an investing platform’s structure, including cash handling, revenue models, and ongoing compliance.

Tabadulat and Baraka are both popular among Muslim investors, but they serve different needs and follow very different operating models. While both enable market participation, the way they approach Shariah compliance, pricing, and platform design sets them apart.

This comparison highlights those distinctions to help investors determine which platform aligns more closely with their faith-based investing goals. 

Baraka: A General Brokerage With Halal Screening Options

Baraka is a UAE-based digital brokerage that provides retail investors with access to U.S. stocks and ETFs through a mobile-first experience. The platform focuses on ease of onboarding, education, and simplified access to equities.

Baraka offers Shariah-screened stock filters for convenience but does not provide Shariah advisory services, fatwas, or an endorsed Islamic window. It does not guarantee the Shariah compliance of any security. Investors must perform their own due diligence or consult independent advisors.

At the time of writing, Baraka is not authorized to provide Shariah-compliant financial services or certify any investment as Shariah-compliant.

Key characteristics of Baraka:

• Regulated brokerage platform based in the UAE
• Primary focus on U.S. equities, and ETFs
• Halal stock labels and screening filters are available
• Tiered pricing structure depending on subscription plan
• Designed as a general investing app rather than a Shariah-first platform
• Baraka offers three plans: Standard (Free, 1 trade/mo), Premium ($9.99/mo, 12 trades + AI/Shariah tools), and Premium+ ($19.99/mo, 25 trades + VIP support).

In practice, Shariah compliance on Baraka functions as a screening layer within a conventional brokerage framework, rather than being integrated into every stage of the investing process.

Tabadulat: A Platform Built Around Shariah Compliance

Tabadulat is a full-stack global Shariah-compliant investing platform, purpose-built to integrate Halal screening, trading, portfolio management, zakat, and purification tools into a single experience.

Unlike platforms that add Shariah screening as an optional feature, Tabadulat is designed with AAOIFI-based compliance at its core. Only Shariah-compliant assets are made available for trading, and compliance is continuously monitored.

Key characteristics of Tabadulat:

• Screen 40,000+ Shariah-compliant global stocks and ETFs
• AAOIFI-aligned screening methodology applied continuously
• Free Halal screening (no subscription or screening fees)
• No interest (riba) generated from uninvested user cash
• Built-in zakat and purification tools
• Monthly compliance updates and real-time non-compliance alerts
• Regulated fintech platform with Full FSRA approval
• Ultra-low fees, including 0% commission on U.S. stocks

Tabadulat is designed for investors who want faith-aligned investing without relying on external tools or paid screening tiers.

A Critical Structural Difference: What Happens to Your Cash?

For Muslim investors, Halal investing is not only about the securities purchased, but also about how uninvested cash is handled.

Across the global brokerage industry, many conventional and hybrid platforms generate revenue by earning interest (riba) on idle customer cash balances. While this is a standard practice in traditional finance, it raises concerns for Shariah-conscious investors and highlights the importance of understanding how each platform structures its cash management.

Tabadulat follows a different philosophy:

Your Halal income should never generate riba, directly or indirectly.

This means:

• No interest earned on user cash
• No riba-based income generated from customer funds
• No reliance on interest-driven revenue models
• No paid compliance tiers or screening subscriptions

Platform Comparison Overview

Feature

Tabadulat

Baraka

Platform Structure

Shariah-first, full-stack investing

General brokerage with Halal screening

Shariah Screening

Built-in, AAOIFI-based, continuous

Screening filters and labels

Market Coverage

Global (20+ countries, including GCC)

Primarily U.S. stocks & ETFs

Asset Universe

40,000+ Halal stocks & ETFs

8,400+ US stocks and ETFs, besides crypto, and Shariah-screened stocks

Zakat & Purification

Built-in zakat calculator

There’s a dividend Purifier Calculator

Pricing

Free screening and zero trading fees on US stocks

Fees vary by plan

Ideal User

Investors seeking full Halal integrity

Investors focused on U.S. markets

Information is based on publicly available disclosures and platform features as of January 5, 2026, and may change.

Final Perspective

Both platforms support Muslim investors, but they do so from different starting points.

Baraka prioritizes accessibility to U.S. markets, with Halal screening as a supporting feature within a conventional brokerage model.

Tabadulat is built around Shariah compliance itself, integrating screening, execution, cash handling, monitoring, and zakat into one cohesive experience.

For Muslim investors who want clarity, confidence, and to ensure their Halal income does not generate riba at any stage, the difference is not small; it is foundational.

This article is provided for educational and informational purposes only and does not constitute financial, investment, or Shariah advice.