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Platform Process

How CZM Bangladesh
Handles Your Zakat

From the moment you register to the moment a beneficiary receives aid — every step is automated, audited, and completely transparent.

At a Glance

The Complete Journey

Five clear steps from donation to disbursement, all completed within 7 days on average.

1
Register

Create your donor account with KYC verification

2
Calculate

Use our Shariah-certified Nisab calculator

3
Pay

Secure payment via bKash, Nagad, or bank

4
Audit

AI screening + Shariah board approval

5
Reach

Direct mobile banking transfer to beneficiary

For Donors

Donor Journey

Everything you need to fulfill your Zakat obligation — in under 10 minutes.

Average Time: 7 minutes
No paperwork required
Instant digital receipt
Track your donation in real-time
Tax certificate for income tax return
1

Create Your Donor Account

Register with your name, mobile number, and email. Optional: add your NID for identity verification and unlock tax certificate generation.

2 min Mobile OTP 256-bit SSL
2

Calculate Your Zakat Obligation

Our Shariah-certified calculator determines your exact Zakat due based on cash, gold, silver, business inventory, and liabilities. Nisab is updated daily based on current gold market rates.

Auto-calculated Live gold rates
3

Make Your Payment Securely

Pay via bKash, Nagad, Rocket, or direct bank transfer. All payment gateways are PCI-DSS compliant. An official Zakat receipt is instantly generated and emailed.

bKash Nagad Rocket Bank Transfer
4

Track Your Impact

Your donor dashboard shows real-time updates as your Zakat is pooled, allocated to a specific category, disbursed to a beneficiary, and confirmed received. Full audit trail preserved.

Live tracking Download certificate
1

Submit Your Application Online

Fill our simple beneficiary form with household information, income, and the type of aid needed. Upload supporting documents (NID, proof of hardship). Mobile-friendly for easy submission.

Mobile-friendly Bangla / English
2

AI-Powered Eligibility Screening

Our machine learning model cross-references your application against national databases, previous applications, and wealth indicators within 24 hours — flagging suspicious patterns and confirming genuine need.

AI scoring 24-hour response
3

Field Verification by Volunteers

For larger grants, a trained volunteer visits your location to verify living conditions, income sources, and household composition. The visit is announced in advance and completed within 3 days.

3-day visit Privacy respected
4

Direct Mobile Banking Transfer

Upon Shariah board approval, funds are transferred directly to your bKash or Nagad account — no middleman, no delay. You receive an SMS notification with the transfer details and a follow-up welfare check in 30 days.

bKash / Nagad Same-day transfer
For Beneficiaries

Beneficiary Journey

Applying for Zakat aid is simple, dignified, and confidential. Our process is designed to be respectful of your situation.

Average Processing: 7 days
Your information stays private
Free to apply — no fees
SMS status updates throughout
Grievance process if declined
Apply for Zakat Aid
Technology Stack

What Powers Our Platform

We've combined the best of modern technology with strict Shariah compliance to build the most trusted Zakat platform in Bangladesh.

AI Beneficiary Screening

Our ML model trained on 50,000+ verified cases detects fraudulent applications with 94% accuracy, processing each application in under 2 minutes and outputting a confidence score reviewed by our team.

Blockchain Anchoring

Every disbursement record is cryptographically hashed and anchored to a public blockchain, creating an immutable audit trail. Donors can verify any transaction independently at any time.

PCI-DSS Payment Security

All financial transactions are processed through PCI-DSS Level 1 certified payment gateways. Your financial data is never stored on our servers — only encrypted tokens.

GPS Field Verification

Volunteer field visits are GPS-tagged and timestamped, confirming actual visits to beneficiary locations. Photo documentation is encrypted and stored for audit purposes.

Real-Time Analytics

Live dashboards for donors, administrators, and the Shariah board track every Taka — collection rates, disbursement velocity, category breakdowns, and regional coverage maps.

Mobile-First Design

75% of our users are on mobile phones. Our platform is fully responsive and works on 2G networks, with offline-capable application forms for rural areas with poor connectivity.

FAQ

Frequently Asked Questions

Is CZM Bangladesh government-regulated?
How do I know my Zakat reached a real beneficiary?
What if my application is rejected?
Can I specify where my Zakat goes?
Is online Zakat payment Shariah-valid?
How are volunteer field workers selected?
Ready to Begin?

Start Your Zakat Journey Today

Join over 24,000 donors who are fulfilling their Islamic duty with complete confidence and transparency.