Royal Capital Islamic Bank

America's First Fully Shariah-Compliant, Federally Regulated Islamic Bank

COMING SOON

Our Vision

We are pioneering ethical, interest-free banking in the United States. Built on the principles of Shariah-compliant finance, we provide asset-backed solutions that promote risk-sharing, transparency, and long-term value creation. RCIB is designed for Muslim communities and ethical investors seeking financial services aligned with their values.

Core Offerings

Home Financing

Diminishing Musharakah & Ijarah models providing ethical home ownership without interest (Riba).

Auto Financing

Shariah-compliant Ijarah (leasing) for vehicles with transparent profit structures.

Investment Accounts

Ethical investment portfolios backed by tangible assets and screened for Shariah compliance.

Ethical Banking & Card

Fee-free checking accounts and debit cards that operate without interest-based overdrafts.

Why RCIB

Shariah Governance

Oversight by an independent Shariah Supervisory Board ensuring strict compliance.

Asset-Backed & Risk-Sharing

All financing is backed by real assets with fair profit-and-loss sharing models.

Transparent Profit Model

Clear, upfront profit rates with no hidden fees or compounding interest.

Regulatory-First Approach

Fully compliant with U.S. federal banking regulations and oversight.

Investor Snapshot

5–8%
Indicative Returns
Asset Appreciation
Long-Term Value Creation
Dividend Potential

RCIB is currently under development and regulatory preparation. Launching soon in the United States to serve Muslim communities and ethical investors nationwide.