Zoya is a finance app for Muslim investors that provides Shariah compliance screening for stocks and ETFs on iOS and Android.
The App DNA
What makes this app unique?
It removes the cognitive friction of manual Shariah compliance research, allowing users to align their portfolios with Islamic ethical principles without needing deep financial expertise.
For Muslim investors seeking to align their stock and ETF portfolios with Islamic ethical principles.
What does it look like?
Key features
Evaluates stocks, ETFs, and mutual funds against AAOIFI standards. Revenue Link: Brand authority drives user trust and retention.
Connects external brokerage accounts for real-time compliance monitoring. Revenue Link: Increases daily active habit.
Automates zakat calculation on investment holdings. Revenue Link: Recurring annual service reinforces primary tool status.
How much does it cost?
Freemium model gates detailed compliance reports behind a subscription, while keeping core screening tools free to drive user acquisition.
Velocity
Maintenance developmentperformanceopaqueShow more...
The app maintains a maintenance-level cadence, shipping 9 releases over the observed window with an average frequency of approximately 0.13 releases per week. The latest release occurred 71 days ago, and all recent updates have been limited to minor bug fixes and performance improvements. There is no evidence of new feature development or live operations, as the release notes remain consistently opaque across the entire history. Development appears focused solely on stability and maintenance of the existing codebase.
Who built it?
User Sentiment
What do users think recently?
The recent review mood reads thrilled. Users appreciate clear shariah compliance screening provides confidence for muslim investors navigating complex global stock markets and intuitive interface design makes financial research accessible for users with limited prior investing experience, but report subscription costs are perceived as high for the limited features available in the free tier.
How are ratings & reviews evolving?
What users say, by theme
- Clear Shariah compliance screening provides confidence for Muslim investors navigating complex global stock markets
- Intuitive interface design makes financial research accessible for users with limited prior investing experience
- Responsive customer support team resolves user inquiries quickly without requiring multiple follow-up interactions
- Subscription costs are perceived as high for the limited features available in the free tier
61 of 137 recent reviews analyzed · high confidence · Thrilled overall
Read the full review analysisUnlock 2 more frustration themes and 3 user requests, each backed by review evidence.
Access the full report for freeCompetition
Competitive landscape for Zoya: Halal Investing App
How's the Finance market?
Zoya holds a #72 Grossing position in the US Finance category, but its regional performance is inconsistent. The gap between its discovery-led free tier and its premium-gated reporting creates monetization friction that limits its grossing potential relative to its user base.
Read the market outlookThe rivals identified
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Access the full report for freeThe Analyst's Read
Key takeaways for Zoya: Halal Investing App
Where is it heading?
The market for ethical investing tools is consolidating as institutional incumbents integrate compliance filters into their existing platforms. Zoya's ability to retain its user base depends on its ability to resolve technical sync issues and demonstrate clear value in its premium tier.
- Sync failures with financial institutions erode the portfolio tracker's utility, which compounds the churn pressure from high subscription costs.
- The latest release focuses on stability, indicating that the team is currently prioritizing maintenance over new feature expansion.
The SWOT
- AAOIFI-standard screening establishes category authority
- Zakat calculation provides high-utility annual retention
- Localized asset coverage for Middle Eastern and Asian markets
- CSV export functionality for power users
Next best moves
Audit financial institution sync logic because sync failures are a top technical complaint → improve retention
+ 1 more prioritized moveThe counter-intuitive read
Zoya's maintenance-mode status is not a weakness but a strategic necessity…
Read the full takeFeature gaps
Real-time market data (available in Schwab Mobile but absent here) +1
Since the last report: Development velocity has slowed significantly, with the average time between updates increasing from 14 to 71 days, while user sentiment shows a split between high satisfaction with core screening and rising frustration over subscription transparency.
Bottom line
Zoya's specialized screening provides a defensible moat, but the current maintenance-mode cadence leaves it vulnerable to incumbents. Improving sync reliability and value-tier transparency would unlock higher conversion rates, protecting the user base from churn to broader financial platforms.
Unlock 2 critical frictions, 2 market threats, 1 more prioritized move and the analyst’s take.
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