Blossom Labs, Inc.
Tegal Weru RT.001 RW.031 Desa Margodadi, Kec. Seyegan, Kab. Sleman
Yogyakarta 65151
7th Floor, Iris Bay Tower
Al Abraj Street, Business Bay
P.O. Box 123997, Dubai
55 E 3rd Ave
San Mateo, CA 94401

Meet our management team

Decades of experience in investments, capital markets, & technology

Matthew J. Martin

President & CEO

Khalid Ferdous Howladar

Chief Risk Advisor

Mufid Shawwa

Chief Investment Officer

Our Board of Directors

Trusted names in technology & social impact funding

Samih Toukan


Backed by visionary investors

Sharing our vision for a more inclusive financial system


Startup accelerator for the new digital world (Crypto, VR, AI) & exploration of the physical world (Oceans, Neural, Space).

Tim Draper

Notable venture capitalist & outspoken pioneering investor into blockchain who has founded 30+ VC funds

Jabbar Internet Ventures

Renowned VC fund led by legendary Souq & Maktoob co-founders Samih Toukan & Hussam Khoury

Advisory & Shariah Board

Deep experience in microfinance, financial inclusion, & Islamic finance practice

Arif Yuliyanto

Advisor, Microfinance

Endah Wening

Advisor, Microfinance

Jamil Abbas

Advisor, Financial Inclusion

Rofiul Wahyudi

Advisor, Shariah

Company History

Dedicated to ethical financial services based on Islamic principles of participation, inclusion, & equality of opportunity.

Oct. 2014

At the BoostVC startup incubator program in San Mateo, California

Expanded to Indonesia

Conducting research on microfinance for financial inclusion

Mar. 2015
Jul. 2015
Launched Microfinance Pilot

Invested in micro-businesses around Jakarta metro area

Microfinance Pilot Matures

Investments in 95 micro-businesses earns 15.4% in 12 months

Jun. 2016
May 2018
SmartSukuk™ Platform Announced

At Islamic Finance News conference in Kuala Lumpur, Malaysia

Launched Pilot SmartSukuk™

World's first blockchain sukuk issued for BMT Bina Ummah

Sep. 2019
Aug. 2020
Pilot SmartSukuk™ Matures

150 micro-businesses yield 14.3% in 12 months despite Covid-19 crisis stress

Launched "Smart Cooperative"

Platform for Islamic social microfinance digital transformation

Nov. 2020

Founding Story

Solving the challenge of halal financial access.

In 2013, founder Matthew J. Martin discovered a large gap in the availability of financial products while researching halal options for his own business. This spurred a period of personal research into Islamic finance.

As a veteran of venture capital funded financial technology companies, he realized he was uniquely suited to take on this major challenge. He decided to close his burgeoning business in order to focus fully on solving the problem of access to halal financing.

Since then, we've grown to become an international recognized leader in the social impact and Islamic financial services space. Our expert team is united in the original vision of expanding access to ethical financial services based on Islamic principles.

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