The short answer:

0-0🔴 Flexible products (such as Flexible Savings or the flexible Earn program) on the Binance platform are considered haram according to the majority of qualified scholars (consensus of Sharia experts). Many jurists classify them as usury because the profit is fixed or variable based on lending rather than partnership or actual production. This is explicitly prohibited in Islam. 

✅ According to Islamic law:

1. Flexible products = Lending for interest (usury)

352-0When you deposit your digital currencies, Binance lends them to those in need in exchange for a guaranteed return rate (whether fixed or variable). This is similar to interest-bearing savings accounts in banks, which is considered forbidden in Sharia. 

662-0Analysts and specialized forums such as 'Islamic Finance Guru' and Zoya Community confirm that 'most of these services are like interest-bearing savings accounts' – which is prohibited in Sharia. 

856-2(i.e., money is lent for interest, unlike staking). 

⚠️ Why did they reject flexible savings accounts?

📌 What if I want Sharia-compliant alternatives on Binance?

◻️ Sharia Earn (Binance Sharia product)

1035-3Announced in July 2025 as the first official product on the platform compliant with Islamic rulings. Its certification is issued by Amanie Advisors, led by Dr. Mohd Daud Bakar. 

1627-1Profits are not fixed returns, but rather a share in the profits generated from activities that yield Sharia-compliant returns, such as halal supplements on blockchain. 

1898-0The product is limited to a number of currencies and geographical areas – currently includes only BNB, ETH, and SOL. It does not include Flexible Savings. 

◻️ Direct staking on the chain (PoS)

2048-0If the project is supported by a Proof of Stake network, and a clear staking structure is disclosed, then it is considered permissible, provided that the platform does not lend your money if it is not transparent. 

📋 Quick comparison: Flexible products vs. Sharia Earn

Product Profit from? Is there usury? Is there a need for lending? Nature of profit Work

❓ What should you do now if you are looking for halal investment?

2295-9Use the Sharia Earn program only if it is available in your country, and not the traditional versions of the Earn program. 

Check each currency before staking: Ensure its currency is Sharia-compliant (does not engage in haram activities), and that financial assets are not linked to interest.

Consult your local mufti who has expertise in Islamic law and finance.

Intention matters: If you intend to take the interest and know that it is not permissible, this aligns with the ruling.

Conclusion

🤝 The flexible savings program on Binance is not considered halal as it relies on usury.

✅ The best Sharia-compliant alternatives are: Sharia Earn when available, or direct staking of Sharia-compliant currencies.

🧭 Ask the scholars, keep your intention clear, and examine the investment profits before subscribing.