An Islamic financial product and is for customers who want to access products that are not necessarily asset-backed such as medical expenses, educational expenses, take-over of usurious loans, payment of salaries and taxes, bill encashment and discounting, insurance premium financing etc.

The customer would approach for financing and procure through its agent a Tawarruq commodity. The agent then sells the Tawarruq Commodity at cost plus a markup, and another agent then disposes of the Tawarruq Commodity through a commodity exchange platform and proceeds of the sale are remitted to the customer.