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25 / 04 / 2026
Investment Deposits
What is the ruling on investment deposits where the profit rate is defined with a maximum and minimum limit, for example, a rate between 1% and 3%, but it can vary daily, yet remains within the average and is associated with a specific time period, knowing that the funds are invested in cryptocurrency trading? After the deposit period ends, the client receives the profits and the principal? For example: the client invested $100, and after the period ended, the profits were $300, so the client receives $400 along with the principal after the period ends? And what is the ruling on investment deposits where the profit rate is defined with a maximum and minimum limit, for example, a rate between 1% and 3%, but it can vary daily, yet remains within the average and is associated with a specific time period, knowing that the funds are invested in cryptocurrency trading, and the client receives profits daily? For example: the client invested $100 and started receiving profits daily in their account, and at the end of the period, they receive the profit for the last day only, and the amount received is $250 received daily throughout the deposit period?
Answer
I say, and with God's guidance: Digital currencies are not considered permissible by Islamic law due to the lack of consensus on them and their failure to protect rights. Therefore, it is not permissible to invest in them. One of the conditions for investment is that the profit must have a known, fixed percentage, not an uncertain one as you mentioned. This is present in the two scenarios mentioned in your investment; therefore, they are not permissible, and you should seek another investment. God knows best.
