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Smart Contracts became an integral criterion of modern financial transactions, due to their efficiency, security, automation and immutability. Smart Contracts avoid and guard against the traditional risk of tampering.

Kuwait has introduced a new framework for real estate financing for individuals entitled to housing welfare under Decree Law No. 114 of 2026. The framework allows local banks, finance companies and investment companies supervised by the Central Bank of Kuwait to provide financing to eligible individuals, covering both State-subsidised and unsubsidised financing. The Decree Law also establishes provisions supporting a secondary market for financing through securitisation and the issuance of sukuk.