Rails & SKUs

Understanding the rail-based architecture and SKU licensing model.

What are Rails?

Rails are self-contained functional modules that provide specific capabilities:

Available Rails

Core Rails

Rail	Description	Key Features
Contracts	Islamic contract lifecycle	Murabaha, Ijarah, Musharakah
KYC	Customer verification	Identity, sanctions, PEP
Compliance	Regulatory compliance	Shariah, jurisdiction
AML	Anti-money laundering	Screening, monitoring

Financial Rails

Rail	Description	Key Features
Treasury	Position management	Liquidity, FX, hedging
Clearing	Settlement	T+0 to T+3, netting
Ledger	Double-entry	Real-time, high-performance
Billing	Usage metering	Stripe integration

Infrastructure Rails

Rail	Description	Key Features
Webhooks	Event delivery	Retry, signing
Search	Full-text search	Search Engine
Analytics	Real-time insights	Analytics Engine
Reporting	Regulatory reports	Basel, AAOIFI

SKU Model

Each rail has associated SKUs for licensing:

// Example SKU structure
{
  rail: "contracts",
  sku: "iof.contracts.murabaha",
  tier: "growth",
  limits: {
    contractsPerMonth: 10000,
    apiCallsPerMinute: 500
  }
}

SKU Tiers

Tier	Description	Support
Sandbox	Testing only	Community
Starter	Small teams	Email
Growth	Scaling businesses	Priority
Enterprise	Large institutions	Dedicated

Enabling Rails

Rails are enabled per workspace:

await iof.workspaces.enableRail({
  workspaceId: "ws_123",
  rail: "contracts",
  sku: "iof.contracts.murabaha.growth",
});

Next Steps

• Contracts - Contract lifecycle
• API Reference - Rail endpoints