Saad Malik
@SaadMalik
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3,716
Following
307
Media
773
Statuses
10,328
Building @ZoyaFinance | Previously at @JPMorgan and @DriveWealth
🇺🇸
Joined September 2008
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32, founder, dad, running on fumes.
How do I adjust my timeline to see more of my type as opposed to the island hopping single dudes in their 20s doing $10m ARR?
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@IsraelinNewYork
For reference, this is a photo of Michigan Stadium which has a max capacity of 107,601 people. 🤔
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Garry Tan is a disgrace to
@ycombinator
Instead of choosing to engage with me (one of the very very few YC alum from Gaza),
@garrytan
decided it’s better to block me
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@muhaltandi
First Abu Dhabi Bank is not an Islamic bank. They do have an Islamic window with some shariah compliant products, but that is not what they are promoting here. The Islamic products on their website are clearly labeled as such and specifically mention profit rate instead of
The issue of interest-based banking isn't unique to the UAE - most Muslim countries have conventional banks alongside Islamic ones.
However, it's absurd that this particular bank, which actually has a line of shariah compliant products, chose to promote interest-bearing
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Essential Context
“Are you gonna send one of your terrorists after us?”
— Carin Ehrenberg, a clinical psychologist of 20+ years, to an Arab pre-med student at
@UMich
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The issue of interest-based banking isn't unique to the UAE - most Muslim countries have conventional banks alongside Islamic ones.
However, it's absurd that this particular bank, which actually has a line of shariah compliant products, chose to promote interest-bearing
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@swyx
Someone suggested "founding fathers" 😅
@SaadMalik
Hey there! Dad here, also a founder of SAP/GenAI consulting firm, focusing in enterprise customers. 3 kiddos, balancing between being a good dad/husband while making my business successful.
Happy to connect with you and other "founding fathers" 😊! (potential name for a group?)
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This thread has turned into something pretty amazing. Shoutout to all the dads out there.
32, founder, dad, running on fumes.
How do I adjust my timeline to see more of my type as opposed to the island hopping single dudes in their 20s doing $10m ARR?
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While you’re here…
No need to put your money into an interest-bearing savings account when you can invest it in shariah compliant stocks instead.
Download Zoya to get started:
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Jum'ah prayer at the magnificent Hagia Sophia on the 19th of Ramadan. A bucket list item fulfilled, alhamdulilah.
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Essential Context
“We will bomb Shifa hospital, all the hospitals, all the tunnels, and kill them all. It’s about time. The world knows that. There’s no argue about that. We are the center of the world now.”
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Doing wudu in a public bathroom and someone walks in just in time to see your foot in the sink.
#muslimrage
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It’s been 24 hours since we launched the API and someone already whipped up a Chrome extension 🤯
Big news today for developers 🥳
We're excited to announce the launch of our much-anticipated public API! You can now build and launch world-class, shariah-compliant investment products faster and at a fraction of the cost.
Here's what that means ⬇️
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Rapyd, a popular payment processor that supports several investing apps with identical business models as us, claims that ours can’t be supported.
What could possibly be the reason 🙄
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Dude praying next to you takes “foot to foot, shoulders to shoulders” way too seriously.
#muslimrage
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My late great uncle married a Japanese woman who lived with him in Sialkot. She speaks fluent Urdu and Punjabi.
A Pakistani man living in Japan, speaking fluent Japanese and married to a Japanese woman. This is beautiful. Some human beings are so fascinating.
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@Stealx
I recall a YouTube video where someone recommended installing a commercial dishwasher in your home because it only takes 2-3 minutes to finish the cycle.
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Waking up to find out an influencer posted a video about your app to her nearly 4 million followers is equally exciting and terrifying.
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What does it say about a company that sells a product that claims to be 100% shariah compliant but has itself taken on conventional debt financing?
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Just how "seamless" is it, you ask? Once you've linked your accounts, it takes less than 7 seconds to calculate your zakat 🤯
We've simplified zakat for your investments like never before. Starting today, you can calculate and donate your zakat seamlessly through Zoya.
Here's how it works 👇
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We've completely eliminated churn thanks to this one simple hack
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$250 million ❌👎🤓
Quarter of a BILLION ✅💸🧐
On this blessed Friday, as we observe the 12th day of Ramadan, we're delighted to announce a significant milestone—our users are now collectively managing over $250 million in assets through Zoya. 🎉
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You sacrifice years of your life, forgoing a stable career and paycheck, to pour your heart and soul into building something useful for your community. Then, finally, you get a little recognition.
Before you can even celebrate, some rando who barely used your product unleashes
Did you catch us on CNN? 👀
Zoya was recently featured on
@CNNBusinessAr
in an interview with our CEO Saad Malik highlighting our recent milestone of crossing $250 million in connected assets.
Check it out ➡️
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Josh Wolfe of
@Lux_Capital
, parading as an intellectual, is nothing more than a genocide supporting bigot. His thin skin cracks at the slightest confrontation.
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Our first mini-tool that we built AND shipped in
#Ramadan
. So proud of the team for making this happen!
Calculating your
#zakat
shouldn't feel like rocket science 🤯 so we built a mini-tool that helps you calculate exactly how much zakat you owe on your stock portfolio with peace of mind 😌
Check it out ⬇️
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We recently more than doubled our daily active trials at
@zoyafinance
with a deceptively simple trick.
When a user first opens the app each day, we immediately show them an upgrade prompt to start a free 7-day trial for our subscription. If dismissed, it doesn't reappear for 24
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Sheikh United al-Airlines has issued a fatwa declaring shrimp to be halal, bringing an end to the century long debate.
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Yes,
#BankingWhileMuslim
is real. Muslims are not just underserved by financial institutions but also continue to be discriminated against. Plenty of stories from Muslim startup founders like
@arblauvelt
(
@LaunchGood
) and
@ShahzadYounas_
(
@metonmuzz
), and even more from
Rapyd, a popular payment processor that supports several investing apps with identical business models as us, claims that ours can’t be supported.
What could possibly be the reason 🙄
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@IbrahimAjami
@wolfejosh
Except
@wolfejosh
doesn't believe in dialogue otherwise I would be able to see this tweet.
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Humbled to have our work at
@ZoyaFinance
be recognized in Bloomberg. I'm a little biased, but I truly believe we have the potential to be an influential force in bringing Islamic finance to the masses—starting with the 150k+ Muslims we serve today to millions more worldwide.
A new generation of Muslim investors are making sure their holdings adhere to traditional Islamic guidelines
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No we don’t
We are closely monitoring the situation in the Middle East.
New Jersey stands with the people of Israel and supports their defense against these attacks from Iran.
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@OysterVentures
Thank you for your swift action. Your commitment to your mission sets a powerful example for the industry, and I hope it gives others the courage to follow suit.
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Ending 2023 with a bang 💥
Big news today for developers 🥳
We're excited to announce the launch of our much-anticipated public API! You can now build and launch world-class, shariah-compliant investment products faster and at a fraction of the cost.
Here's what that means ⬇️
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We’re committed to ensuring your investments are a force for good 🫡
This is just the beginning…
⚠️ Are there human rights violations hidden in your portfolio?
Zoya has partnered with
@afsc_org
to bring you a new "Controversies" screening feature, powered by data from the AFSC Investigate project.
This feature highlights potential ethical issues and human rights concerns
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The issue of interest-based banking isn't unique to the UAE - most Muslim countries have conventional banks alongside Islamic ones.
However, it's absurd that this particular bank, which actually has a line of shariah compliant products, chose to promote interest-bearing
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One out of four Muslims face challenges while banking.
Full report by
@TheISPU
here:
Yes,
#BankingWhileMuslim
is real. Muslims are not just underserved by financial institutions but also continue to be discriminated against. Plenty of stories from Muslim startup founders like
@arblauvelt
(
@LaunchGood
) and
@ShahzadYounas_
(
@metonmuzz
), and even more from
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Would you believe that it's 2015 and yet something as vile and disgusting as
#KillAllMuslims
is trending?
#SaveHumanity
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The Zionist mind cannot comprehend the strength and resiliency of the Palestinian people so they cower behind dehumanizing labels.
Nothing strikes a nerve more than calling out “Pallywood” or that there are child soldiers
It makes sense… both are just so shockingly unpalatable to the Western Mind and sew seeds of doubt about everything else
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@GovMurphy
You can’t play both sides, Governor.
We are closely monitoring the situation in the Middle East.
New Jersey stands with the people of Israel and supports their defense against these attacks from Iran.
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@joebradford
@kob
@Disney
@Tapulous
@FreshPay
He’s currently a VC at
@OysterVentures
. I’ve reported this to his partners on LinkedIn.
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For reference, this is a photo of Michigan Stadium which has a max capacity of 107,601. 🤔
290,000 people at
#MarchforIsrael
today! Thank you all for showing up in support of Israel and the Jewish people 🇺🇸✡️🇮🇱
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"Brothers and sisters, the blue screen of death is a reminder that our time in this world is temporary."
interested to see how khateebs globally are going to incorporate crowdstrike into the khutbah today
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Israeli and Indian hackers are trying to bring down websites raising funds for Palestinian aid.
How sick do you have to be to do such a thing?
An update now that we’ve had time to investigate:
Hackers, most likely in Israel, launched a Distributed Denial of Service Attack on LaunchGood that sent over 1 billion requests to our website from bots to try and crash our servers (normally we only have a few thousand visitors
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In the US, there's strong demand for platforms like
@PolsonRA
that enable halal investment in real assets for all investor sizes. We're thrilled to be supporting them!
We're excited to team up with
@PolsonRA
, a halal investment co-op, in expanding access to diversified, high-yield opportunities across the real assets sector.
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when no one sighted the moon so you decide to take matters into your own hands
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This is a big deal.
It's one of those developments that seems obvious in retrospect but needed time to materialize. Kudos to
@naushad_virji
and team for laying the groundwork to make this possible.
Islamic finance is still in its early days. There's a lot more to be done. But
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What an *insane* privilege it is to be able to push out some code and just ever-so-slightly improve the lives of thousands of strangers.
Starting today, we have rolled out basket investing to all Zoya users! You can now easily invest in baskets with a few taps, taking the complexity out of building a diversified halal portfolio.
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We've been hiring all over the globe since great talent lives everywhere 🌎
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I have been blessed with the opportunity to perform my first Hajj this year, alhamdulilah. It’s hard to believe that I will begin my journey in just a couple of days and join in the company of one million other pilgrims from all over the world.
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Nothing beats receiving a heartfelt message like this, knowing your work made a real difference for someone. 🤲
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Alpaca is way ahead of the curve on broker tech. We're thrilled to be working with them to bring halal investing to the masses.
Research stocks, track your portfolio, monitor shariah compliance, and invest...all in one app with Zoya. 💥
Unlock a new level of halal investing—commission-free. We’ve teamed up with
@AlpacaHQ
to bring you seamless trading of shariah compliant US stocks and ETFs right inside Zoya.
Get the app 📲
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A meaningful milestone considering we launched nearly two weeks into Ramadan. 😅
A massive shout-out to the talented and hardworking team behind Zoya who made this possible despite fasting 15+ hours. This was truly our most productive Ramadan yet.
We're thrilled to share that during Ramadan we processed calculations for over $360 million in portfolio assets, resulting in over $2.5 million in zakat. 🎉🎉🎉
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Hanging out with IDF soldiers singing One Day means he’s either the biggest troll or utterly lost in delusion.
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We didn't forget about you, Canada ❤️
That's two broker integration announcements in three weeks! What year-end slowdown??
Big news! We've partnered with
@Questrade
to make halal investing more accessible for the 1.8 million Muslims across Canada. This integration allows Questrade customers to research stocks, monitor their portfolio, and invest...all inside Zoya. 🇨🇦
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It’s Friday AND it’s my birthday AND I just discovered $700 worth of BTC sitting in my Gemini wallet
Boys we’re eating good tonight 🤑
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Word is spreading 🥳
Congrats to
@dustincraun
and team on the launch of this year's list. Grateful for the opportunity to be involved.
“This is made clear in the recent DinarStandard report which predicts the Islamic FinTech space alone to be worth $128 billion by 2025, with startups like Zoya Finance and Insha growing in western markets rapidly.”
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In startup terms, it’s like a company on the precipice of failure that, instead of fixing its broken product, spends millions on PR to convince people it’s not broken. At some point you’re going to have to address the underlying issue.
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Ramadan always seems to come at a time when you need it the most.
Ramadan Mubarak! 🌙
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Wouldn’t call it racist but man what a waste of a great domain name.
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A hundred million reasons to believe ☝️
Earlier this week, we crossed a significant milestone — our users are now collectively managing over $100 million in assets through Zoya! 📈
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🤡
This 3 minute testimony is a much watch
It perfectly encapsulates the moral bankruptcy that has befallen so many Western institutions
When "calling for genocide" is not "harassment or bullying" we're living in 🙃 world
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It just occurred to me that I recently crossed the 1 year mark since leaving my corporate job to work on
@zoyafinance
full-time. Time flies when you’re having fun. 😎
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@MoHU_En
It’s been 3 hours since sunset and we’re still on our feet waiting to get on a train to Muzdalifah!
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This guy sure knows a lot I wonder if his wife is from Iran
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This seems legitimate, but we'll know for sure over the next couple of hours
So many of you have been seeing this the wrong way
It's not Israel vs Hamas, it's Israel vs Iran, and has been for years
Iran acknowledged this week that they architected October 7th
Wake the fuck up
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I’ll be in Boston this weekend for the Harvard Islamic Finance Conference. Shoot me a DM if you’re around and want to grab a coffee!
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Full statement:
“The only innocent people that are in Gaza now are the 229 hostage that were taken. Once they will go back to Israel, we will bomb Shifa hospital, all the hospitals, all the tunnels, and kill them all. It’s about time. The world knows that. There’s no argue about
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Headed to Baltimore this weekend to speak at
#ICNACON2024
. Excited to share the stage with
@arblauvelt
,
@Killawia
, and
@aamir_rehman
to share our insights on startup building.
Holler if you're planning to come through 🤙
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Turned 31 today so thought I’d go do something wild and thrilling.
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Two new app updates in the same week?? The team's productivity has been next level this Ramadan alhamdulillah 🚀
🎉 Manual holdings are here! Starting today, you no longer need to link a brokerage account to use the zakat calculator.
Here's what's supported:
✅ 150+ currencies, including $BTC, gold, and silver.
✅ Global stocks and ETFs
✅ Mutual funds (US-only)
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Yesterday, my paternal grandfather and last remaining grandparent, Muhammad Iqbal Malik, passed away.
His story is one of strength and resilience, much like many others of his generation. The wisdom he imparted in this letter is a testament to his character and the principles
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Stock baskets help you mimic popular investment themes and strategies while maintaining shariah compliance. Seamlessly blend DIY halal investing with model portfolio simplicity!
Today, we're thrilled to introduce stock baskets, a new way to help you discover and invest in shariah-compliant stocks.
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Ramadan is the ultimate life hack.
Think of it as a month-long challenge that will boost your productivity, creativity, and spirituality.
Let me break it down for you. 🧵
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This month:
New York ✈️ Denver ✈️ New York ✈️ Riyadh ✈️ Madinah 🚄 Makkah 🚗 Jeddah ✈️ Dubai ✈️ New York
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