Γef γ amuddu n Usefrek

Asbded n tefzigt tasertant n Shariah, talɣiwt tusridt, d yilugan n usefrek n unabaḍ i yisermawen imuslimen deg ijaɣasen n Web3.

Iquder AAOIFIAselken Amsimman| Dubay, ImaratUlac Aleqqem n Usenfel

🛡️ Tasestant i yettwaseknen n Tseddast n Shariah

Yettwaseqdec ddaw yilugan n Usefrek unṣib n AAOIFI Shariah Standard No. 21 & No. 30.

Taseddast i yettwaseknen n CSAA #AAOIFI-2026-8841

Aswir-nneɣ

Tasnilft n Halal Crypto d wammud n HALAL500 Global Halal Crypto Index ttwasbeddent akken ad ssugent amgarad gar tɣara timaynutin n blockchain d usugen asertan n Fiqh al-Muamalat.

S luluf n yisukane n usefru i d-yettwassenfaren yal ayyur, imsermawen imuslimen ttnaɣen s waṭas akken ad mgaraden gar tmerna tusridt n unamek d twaɣit n Riba, Ɣarar, neɣ Maisir.

Asemlu n 5-Yini n Shariah Crypto

Agzim awurzan i d-yettilin s usguri n wayen yessehrasen afecku n crypto ad yili d Halal neɣ d Haram ddaw usaḍuf asertan n Lislam:

Afecku n CryptoAddadAsebbib agejdan n Shariah
Aɣan n Ugadir n SpotHALALAsider n tmerna tusridt (Qabd) s wesnulfu n wammud n token n Spot.
Asbeddi n PoSHALALAserfu n unabad n validator (Ujrah) i usegmat n blockchain.
Asali n tezmert n TRXHALALAsali n tezmert n bandwidth ddaw yilugan n Ijarah.
Ijaɣasen n Futures d MarginHARAMUr yesli ara tmerna tusridt (Qabd), yesɛa Riba d usiweḍ n ssuma (Ɣarar).
Asni n Riba n DeFi (Aave, d wiyyaḍ)HARAMAsnulfu usrid n tmerna s Riba n lqerḍ (Riba al-Nasi'ah).
Dollar n Tmerna Tusligt (USDe)HARAMYettwasekned s arbitrage n short-perpetualwar s war tiɣrit n spot.

Asefrek n Shariah d Usemlu Agejdan

Ayal n yilugan n usekyed, tiwtilin n useɣti d usileɣ n tmerna deg ufra n HALAL500 ttwasegmawent d usekyed s tselwit tusridt n usegmad-nneɣ agejdan:

Aselmad Dr. Tariq Al-Farsi

Dubai, Imuren Yeddukklen n Tarabt

Asmid n CSAA

Iɣbula n Tseddawit: Taseddawit n Ph.D. deg Tmerna Tislamit sɣur Tseddawit n INCEIF (Malaysia) — yettwassen deg umaḍal d aswir agejdan i tɣuriwin n tmerna tislamit.

Taseddast Tawsant: Asmid n Tseddast d Useqsi n Shariah (CSAA) sɣur Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI).

Aselmad Dr. Al-Farsi yesɛa gar yiseggasen 15 n tmusni tusant deg usegmi n ifecka n tmerna tislamit, usefrek n tbankiwt d usekyed n tokenomics deg Ifriqya d Asya.

Iɣbula i yettwaseknen: Asmid n Tseddast d Useqsi n Shariah (AAOIFI) • Anelmad n INCEIF

Usefrek n Imezdaɣ d Usekyed n Berra

Akken ad yettwakkes ubrid amazzal d usenqed usrid, isefra-nneɣ n usekyed ttwazegnen yal kraḍ n wagguren s usekyed asuf sɣur Usqamu n Usekyed n Shariah:

Asekyed n Berra n Yal Ayyur
Aselmad Dr. M. Al-Husseini (CIFP)

Amussnaw n Tmerna Tislamit, Kuala Lumpur. Yessawal ɣef usekyed n tmerna n protocols n cross-chain.

Asekyed n Smart Contract
Aselmad Sheikh Ahmad Al-Sayed

Amussnaw n Usekyed n AAOIFI, Riyadh. Yessawal ɣef ikudenn n grid bot d usun n spot exchange.

Tarrayt n Usefrek n HALAL500

Yal asefka n tmerna i yettwasbedden deg wammud n HALAL500 iɛedda ɣef 4 n yiswiren n usenqed send ad yettwaseqdec d Halal neɣ d Haram.

Tafesna 01
Asenqed n Unamek n Ubuzgar

Asnuffeɣ n protocols i yeqnen ɣef tigawin ur nettwasreḥ ara: asni s Riba, amezgun n casino, uraren n imeqqranen, imedyaten, neɣ ponzinomics.

Tafesna 02
Asenqed n Tseddast n Tmerna

S unabaḍ n Shariah AAOIFI Uṭṭun 21, amur n urṭṭal s rrba ur ilaq ad yugar 30% n wazal n ssuq, ma d ayen yellan d lḥeṛam ur ilaq ad yugar 5% n tfellaḥt n borotokol.

Tafesna 03
Addad n Ufecku d Tmerna Tusridt (Mal)

Asken dakken token yessawal ɣef taɣawsa tusridt (Mal Mutaqawwim) s tezmert n usenqed, usefrek neɣ tmerna tusridt.

Tafesna 04
Asnefray d Usefrek (Qabd)

Tigawin n Spot kan i yettwasreḥen i d-yettaken tallit tusridt n tmerna s wallet. Margin d Perpetuals d CFDs ḥerman s wakka.

Iɣbula n Usefrek d Yilugan:

Iɣbula-nneɣ n usekyed sskanent tarrayin i d-yettwasebdeden sɣur iqqnen n tmerna tislamit n umaḍal:

Asemlu n Twaɣit d Udin

Ur d-yelli ara d Asɣan n Tmerna: Ayal n yisefka d tseddast i d-yettwasuffɣen deg usmel-agi ttwazenzen kan i yiswan n tɣuri d usileɣ n din. Ur yelli wansa deg usmel-agi i d-yettaken asɣan n tmerna, usefrek neɣ asenqed.

Tilellit n Fatawa n Udin: Isefra n usefrek i d-yettwasuffɣen deg wammud n HALAL500 sskanent taseddast d usenqed sɣur AAOIFI sɣur Dr. Tariq Al-Farsi. Meḥna, ur d-yelli d asɣan n tdin (Fatwa) i yal amsermaw. Yal amsermaw yesqa ad yessekyed aɣan-is.

Tasertit n Tbaḍnit d Yilugan n Useqdec

War Asmekti n Yisefka Inesmanen: Nettwaseqdec ddaw tasertit n tbaḍnit tamezwarut. Ur nessmekti ara, ur nzen ara, ur nsefrek ara isefka inesmanen (PII). Asekyed n HALAL500 yella d unṣib s wudem amata.

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