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Islamic finance, made verifiable.
Built for giving and financing, done right.
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Alhamdulillah 🤲

Shukran katsiran to my teammates @marcell_nf and @bryan_wicaksanaa for building this together.

Special thanks to @bank_indonesia @ojkindonesia @bankindonesiainstitute @ojkinstitute @pusatinovasidigitalindonesia and @fekdi_official for making the hackathon happen.

Insyallah, this is just the beginning. More to come from @tawflabs 🚀
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One year of building @tawflabs 🤍

The faces have changed. People joined, people moved on, responsibilities shifted, priorities got reordered more than once.

That is what a year actually looks like when you are building something from nothing.

What has not changed is the mission.

To make Islamic giving verifiable, so a muzakki can know where their zakat went without having to expose what they own to prove it.

Man jadda wajada.
Whoever strives, finds a way.

And “Wa an laysa lil-insani illa ma sa’a.”
“And that there is not for man except what he strives for.”
Qur’an 53:39

Not everyone agreed with the approach. Some still do not.

We kept building anyway.

This year, we published our research on zero knowledge zakat at ICIMTech 2026, a Scopus indexed IEEE conference. Earlier this month, I also had the opportunity to pitch Tawf at @indonesiablockchainweek 2026.

But more than the milestones, I think the biggest lesson has been sabr.

Perseverance beats reacting to every small thing.

We are building Tawf for the long term, not the short term. That means slower decisions, harder conversations, and a lot of work nobody sees.

“Fa inna ma’al ‘usri yusra.”
“Indeed, with hardship comes ease.”
Qur’an 94:5

To everyone who has supported, challenged, advised, built, prayed, or simply believed in Tawf along the way, jazakumullahu khairan.

And to the early, current team, and co-founders who carried this with me, @bhremada.fka, @minzelo_rahman, @dickyybayu, @curryismus, @marcell_nf, @riyanarhm, and many more I cannot name one by one.

This is yours as much as mine.

Alhamdulillah for one year.

Still early. Bismillah for what comes next. 🤲
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