The world of digital currencies is witnessing increasing interest from Muslims around the globe, but this interest is accompanied by precise legal questions related to ways of achieving returns. The main legal concerns revolve around three key prohibitions:

- ❌ Riba: Achieving guaranteed profit on money over time.
- ⚠️ Gharar: Ignorance or excessive risk.
- 🎲 Maysir: Transactions of a gambling nature.

Based on these issues, the Binance platform has introduced the Sharia Earn service, which aims to provide an investment mechanism compliant with Islamic law, allowing users to benefit from staking rewards in a manner closer to halal.

🧾 First: The legal structure — Wakālah (Agency) format

In the Sharia Earn service, the user does not lend their money to the platform for a fixed interest, but appoints Binance as an agent (Wakeel) to invest digital assets in specific protocols with the aim of generating returns on their behalf.

- The contract format is an agency and not a loan.
- Returns are not guaranteed and depend on the actual performance of the network.

🔑 In summary: This removes the product from the suspicion of riba, as it does not rely on interest over time, but rather on investment through agency.

💰 Second: Source of returns — A real service with no interest

The realized returns come from:

- Network transaction fees paid by users.
- Rewards for validators for securing the network and verifying transactions.

📌 Result: The return here represents compensation for real work (ʿiwad) and bearing technical risks, not interest arising from a loan.

🛡️ Third: Legal controls — 5% threshold and continuous monitoring:

The service includes a quarterly Sharia review system aimed at:

- Ensuring that transactions linked to returns are free from prohibited activities.
- Ensuring that the exposure rate to these activities (such as gambling, fraud, riba loans) does not exceed 5%.

📎 This percentage is derived from Sharia compliance standards in Islamic finance, where a slight amount of non-permissible income is allowed provided it is purified (donated for good).

🧑‍⚖️ Fourth: Independent Sharia supervision:

Binance has relied on Amanie Advisors led by Sheikh Dr. Mohammed Dawood Baker to assess the service and grant it a Sharia compliance certificate.

✅ This enhances the credibility of the product and provides the user with a reliable reference, while the responsibility of seeking religious advice remains with the individual.

📦 Fifth: Currently covered products:

The Sharia Earn service currently includes:

- BNB through locked Simple Earn products.
- ETH (Ethereum) through staking service.
- SOL (Solana) through staking.

📍 The availability of these products may vary by country.

🔍 Sixth: Differences from traditional products

- Returns are not guaranteed and depend on network activity.
- The source is legitimate: network verification and security service, not lending with interest.
- Periodic Sharia supervision, with a tolerance rate (5%) and a purification mechanism.

🧭 Practical recommendations for Muslim investors:

- 📖 Carefully read the terms and conditions of Sharia Earn.
- 🌐 Follow the official page to know the available assets in your country.
- 🧕 Consult a trusted Sharia scholar, especially regarding the 5% rate and the purification policy.
- ⚠️ Be aware that investment risks (such as price volatility or technical issues) remain.

✅ In summary:

The Binance Sharia Earn service aims to provide an Islamic alternative for investing in digital currencies through:

- A legitimate agency format.
- Linking returns to network services.
- Periodic Sharia oversight.
- Supervision from an independent consulting entity.

Thus, this service represents a model closer to halal compared to traditional products based on interest, while emphasizing the necessity of individual Sharia verification for each user.

🔗 Official links:

- 🔸 Register on BINANCE:

https://accounts.binance.info/register?ref=OEQD5SA3

- 📄 Terms of Sharia Earn:

https://www.binance.com/en/about-legal/terms-sharia-earn

- 🌐 Official page of the service:

https://www.binance.com/en/events/sharia-earn

✍️ An academic awareness article simplified — it is not a legal fatwa nor an investment advice. The final decision remains with the user after consulting knowledgeable individuals.

#العملات_الرقمية #الاستثمار_الحلال $BTC

#الكريبتو_في_الإسلام #BinanceSharia