The rapid integration of Fintech into the Islamic financial landscape, particularly in the realm of Micro and Nano Financing, presents a duality of opportunity and challenge. On one hand, technology promises enhanced reach, efficiency, and potentially easier mechanisms for adhering to Sharīʿah principles , thereby driving financial inclusion within Muslim communities. However, this digital evolution highlights a critical need for a robust, Sharīʿah-based governance framework to navigate the complex ethical issues inherent in these schemes. The role of Sharīʿah governance in Fintech-based Micro and Nano Financing services offered by Islamic Financial Institutions (IFIs) is not merely supplementary; it is absolutely critical for ensuring these services remain true to the spirit and letter of Islamic law and serve the broader interests of society.