How It Works
Ethical Investing in Real Machines – Made Simple
Co-own income-generating machines and earn monthly lease payments while supporting verified operators.
⚖️ The Core Formula: Smart Contracts → QAI Score
Two blockchain smart contracts work together to compute your real-time Quality, Accountability & Integrity (QAI) Score from automated data and verified reviews
Strength Smart Contract
Performance Chain
Strength Score
Automated machine performance
Machine IoT Data
Uptime: 98.5%
System Logs
Transaction success: 96%
Automated Alerts
Response time: 1.2s
QAI Score
QAI = 0.6 × Strength + 0.4 × Trust
Most up-to-date score based on automated performance data and reviewer chain
Trustworthiness Smart Contract
Reviewer Chain
Trustworthiness Score
Verified community reviews
Sara M.
Excellent service
Ahmed K.
Very reliable
Fatima H.
Good experience
Validation Checks:
Strength (Performance Chain)
Automated machine data feeds the Strength Smart Contract with objective performance metrics
- Machine IoT data (uptime, usage, efficiency)
- Transaction logs and success rates
- Operational reliability metrics
Trustworthiness (Reviewer Chain)
Verified community reviews flow into the Trustworthiness Smart Contract with fraud protection
- Verified reviewer ratings linked to real transactions
- AI-powered fraud detection and evidence validation
- Community consensus mechanisms
The QAI Formula
Always up-to-date • Automated data collection • Near real-time accuracy
Financing Real-World Assets with Verifiable Trust
How QistasChain solves the financing gap for productive assets
The Problem
- •Information Asymmetry: Lenders lack reliable data on asset usage and performance after funding
- •High Monitoring Costs: Due diligence and physical audits are impractical for numerous low-value machines
- •Misaligned Incentives: Fixed loan repayments don't adapt to an asset's actual revenue or downtime
The Solution
- •IoT Integration: Sensors provide continuous, verifiable stream of performance data to the blockchain
- •Decentralized Reviewer Network: Human-in-the-loop oracle validates data, building crowdsourced trust
- •Performance-Linked Smart Contracts: Automated payments triggered only when verified performance targets are met
Simple 4-Step Investment Process
1. We Vet the Operator
- •Local entrepreneurs apply to operate a machine
- •We verify their ID, use case, lease ability, and ethics
- •Trust score assigned (transparency, payment history, etc.)
2. You Co-Invest
- •Choose a real machine (vending, agro, water, solar)
- •Invest from as little as $100
- •You become a co-owner of the machine via lease agreement
3. Machine Operates
- •Machine earns income for the operator
- •Operator pays back fixed monthly lease (ethical Ijarah)
- •You earn your share (rental profit + capital repayment)
4. Buyout Complete
- •Operator gradually owns the asset (Diminishing Musharakah)
- •You receive full capital return + agreed profit
- •Asset exits the system or becomes reinvestable
Earnings Example
If you invest $100 in a vending machine lease:
That's a 140% return on your investment
* Based on pilot case. Results may vary depending on machine performance and market conditions.
Investor Protection & Ethical Structure
We use a real-asset, lease-based model where your investment is secured by productive machines.
No Interest
Ethical profit-sharing, not interest-based lending
No Speculation
Backed by real machines generating real income
Real Assets
Machines are real, not crypto coins or tokens
Performance-Based
Operator pays only when machine works
What Happens Next
Manual Leasing
Real machines, verified operators, ethical lease agreements
Tokenized Ownership
Blockchain smart contracts, automated payments, fractional ownership
Reviewer Verification System
Decentralized trust scoring, community validation, automated dashboards
Ready to Get Started?
Join businesses and investors using QistasChain for transparent, Shariah-compliant financing