Dara Modules

Holds each company's chart of accounts, detail levels, vouchers and fiscal periods. Every account balance on the platform is read from here, and other modules record their financial effect only by posting vouchers to it.

Cash positions from the branch teller counter up to the central vault, chequebooks and the 13-state cheque lifecycle, petty cash, and reconciliation against bank statements.

Deposit accounts from opening, with account numbers built from a numbering pattern and a check digit, through to joint ownership, collateral holds and customer statements. Each deposit category's behavior is set with policy switches.

A customer wallet with a unique 16-digit number for top-ups, withdrawals, transfers and holds on funds. The balance is always read from the Financial Core; the wallet itself has no balance column.

A card credit line that links each card type to an account heading in the Financial Core. It takes the card from issuance and activation through two-phase purchases to merchant settlement.

Each loan file moves through this module from application and document review to disbursement, installments and settlement. Every product is tied to one of the Islamic contracts and to that contract's own calculator.

Collateral registration, versioned valuation, pledging and release. Collateral is released only when the status of the loan file allows it.

Converts daily account balances into a score using the configured scoring method, then applies an eligibility policy to turn that score into a financing limit.

Collects payments through online payment gateways, POS terminals, card-to-card transfers and other methods, all against a single payment order. The deposit slip is stored alongside the transaction.

Shows each of the organization's investments next to the limit set for it in the bylaws, and measures and reports how far it is from that limit.

Accounting voucher templates with debit and credit formulas. Financial events from each module are turned into voucher lines through these templates, so accounting rules are not scattered across module code.

Calculates loyalty points with a rules engine, sets caps to prevent abuse, and posts the accounting voucher when points are redeemed for cash. Gift vouchers are issued from here as well.

Each customer request is logged on a form specific to its type, and from that moment its handling time is measured against the service-level agreement (SLA).

Every message the platform sends to customers goes out through this module: SMS, email, push notifications, the in-app inbox and one-time passwords (OTP). Other modules send only the event type and its data.

User sign-in and access-token issuance for the entire platform happen in this module and nowhere else.

Companies, branches, user memberships, roles and the permission catalog are defined here. Every access decision on the platform rests on this module's answer.

The only entry point for requests to the modules. Tokens are validated here, inbound headers are sanitized, and the user's verified details are attached to the request.

Stores the platform's files and documents with layered encryption and a choice of storage location. Other modules keep only the file ID.

Every call to systems outside the organization, from inquiries to payments, passes through a defined route that can be configured and monitored.

Scheduled jobs from every module, such as the nightly calculation of installment late-payment penalties or daily scores, run from a single scheduler. The logic of each job stays with the module that owns it.