Expert panel — COSOB + Islamic finance.
TL;DR — Summary 30s: Real estate tokenization = fractional ownership via blockchain tokens. Sukuk = Islamic bonds Sharia-compliant. Algeria: framework under construction. Finance law 2018 introduces sukuk. COSOB regulator + Banque d'Algérie + CNAI Sharia. Sukuk issued: rare. STO real estate: 0 to date. Diaspora + Gulf = natural target. 2030 outlook: first STO + structured sukuk.Key Points Tokenization = blockchain fractional RET + STO models Sukuk = Islamic bonds Finance law 2018 DZ COSOB regulator CNAI Sharia authority ~5 sukuk issued DZ 0 STO to date RealT USA reference Brickken EU + Emaar Dubai Diaspora + Gulf target Framework challenges 2030 emergence expected
1. Concepts + framework
Tokenization + sukuk framework.
Methodology: official sources.
2. International cases
RealT + Brickken + Emaar.
3. Scenarios + FAQ
6 scenarios + 24 FAQ.
FAQ
Tokenization? Sukuk? Types? Ijara, Mourabaha, Musharaka.
Law DZ? Regulator? Issued DZ? STO DZ? Yield? 2030?
Official sources & methodology Finance law 2018 COSOB AAOIFI DZ-Immobilier corpus About the expert panel Karim Herfi — Karim Herfi coordinates the DZ-Immobilier expert panel.
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