CAIZ：彌合差距並將金融包容性引入穆斯林世界

加密貨幣徹底改變了全球金融格局，提供了權力下放，金融包容性和投資機會。

Cryptocurrency has taken the global financial landscape by storm, promising decentralization, financial inclusion, and new investment opportunities. Yet, despite its burgeoning adoption—nearly 800 million Muslims are excluded from this financial revolution.

加密貨幣已經席捲了全球金融格局，有希望的分散，金融包容性和新的投資機會。然而，儘管採用了新興的採用，但這場金融革命中的8億穆斯林被排除在外。

Both traditional finance and crypto fail to align with Islamic finance principles, which are crucial to the vast Muslim community. But what if a Jaiz (permissible) crypto solution could bridge this gap and introduce financial inclusion to the Muslim world?

傳統的金融和加密貨幣都無法與伊斯蘭金融原則保持一致，這對廣闊的穆斯林社區至關重要。但是，如果Jaiz（允許的）加密解決方案可以彌合這一差距並將金融包容性引入穆斯林世界，該怎麼辦？

Islamic finance operates under strict principles derived from Shariah law. These principles emphasize ethical investing, transparency, and the prohibition of interest (riba), speculation (gharar), and gambling (maysir).

伊斯蘭金融是根據伊斯蘭教法衍生的嚴格原則運作的。這些原則強調道德投資，透明度和禁止利益（RIBA），投機（Gharar）和賭博（Maysir）。

Traditional cryptocurrencies, such as Bitcoin and Ethereum, are often discussed in the context of their liquidity, volatility, or speculative nature. They lack intrinsic value, which may raise concerns from an Islamic perspective.

傳統的加密貨幣（例如比特幣和以太坊）經常在其流動性，波動性或投機性質的背景下進行討論。他們缺乏內在價值，這可能從伊斯蘭的角度引起人們的關注。

While some scholars opine that digital assets can be used in accordance with Shariah principles if structured accordingly, others remain cautious due to regulatory uncertainties. This uncertainty has led many Muslims to avoid crypto entirely, creating a financial gap in the digital economy.

儘管有些學者認為，如果相應地構建數字資產，則可以根據伊斯蘭教義的原則使用數字資產，但由於監管不確定性，其他數字資產仍然謹慎。這種不確定性使許多穆斯林完全避免了加密貨幣，從而在數字經濟中造成了財務差距。

However, a new wave of crypto projects is being developed with the express purpose of alignment with Islamic financial principles. One such project is Caiz.

但是，正在開發新一波加密項目，以與伊斯蘭財務原則保持一致。一個這樣的項目就是Caiz。

The name Caiz comes from the Arabic word Jaiz, meaning permissible. Unlike other cryptocurrencies that are focused on decentralized finance, Caiz follows Sharia principles to build the world’s first ethical and Sharia-compliant blockchain ecosystem.

Caiz這個名字來自阿拉伯語Jaiz，意思是允許。與其他關注分散財務的加密貨幣不同，Caiz遵循伊斯蘭教義的原則來建立世界上第一個符合道德和符合伊斯蘭教法的區塊鏈生態系統。

Designed to bridge the gap between modern fintech and Islamic finance, Caiz integrates decentralized finance (DeFi) with responsible governance (CeFi) to offer a transparent, interest-free, and asset-backed digital financial network. It provides Jaiz and ethical financial solutions that align with Islamic principles while promoting financial inclusion for millions of unbanked Muslims worldwide.

Caiz旨在彌合現代金融科技與伊斯蘭金融之間的差距，將分散的金融（DEFI）與負責任的治理（CEFI）融合在一起，以提供透明，無利息和資產支持的數字金融網絡。它提供了與伊斯蘭原則相吻合的JAIZ和道德金融解決方案，同時為全球數百萬穆斯林的數以百萬計的穆斯林促進金融包容性。

Despite the increasing adoption of crypto worldwide, many Muslims avoid investing in it due to a few key issues:

儘管全球加密貨幣的採用越來越多，但由於一些關鍵問題，許多穆斯林避免了投資：

• Many crypto projects are perceived as speculative ventures that don’t align with Islamic financial principles.

•許多加密項目被認為是與伊斯蘭財務原則不符的投機企業。

• The interest-free financial models preferred by Muslims are not integrated into the crypto sphere.

•穆斯林首選的無利息財務模式未納入加密貨幣領域。

•밝은 색상의 플라스틱으로 만들어진 작은 크레인 장난감이 밝은 노란색, 주황색, 녹색의 작은 플라스틱 공을 들어올리고 있다. 크레인은 녹색 플라스틱 베이스에 부착되어 있다.밝은 색상의 플라스틱으로 만들어진 작은 크레인 장난감이 밝은 노란색, 주황색, 녹색의 작은 플라스틱 공을 들어올리고 있다. 크레인은 녹색 플라스틱 베이스에 부착되어 있다.entralized cryptocurrency projects are often backed by hype and promises that may not materialize, which goes against the transparency valued in Islamic finance.

•由淺色塑料製成的小型起重機玩具將淺黃色，橙色和綠色的小塑料球提升。起重機連接到綠色的塑料底座上，帶有小型起重機玩具，由淺色塑料製成，抬起淺黃色，橙色和綠色的小塑料球。起重機附著在綠色塑料基礎上。伊斯蘭金融中有價值的透明度。

By adhering to Islamic financial principles, Caiz enables Muslim financial inclusion on a global scale through Shariah-based digital finance. Unlike hype-backed cryptocurrency projects, Caiz offers riba-free payment systems, asset-backed digital currency, and a compliant, decentralized monetary system.

通過遵守伊斯蘭財務原則，CAIZ通過基於伊斯蘭教義的數字金融使穆斯林的金融包容性在全球範圍內。與炒作支持的加密貨幣項目不同，CAIZ提供了無RIBA支付系統，資產支持的數字貨幣以及合規，分散的貨幣系統。

Here’s how responsible initiatives like Caiz impact society:

這是CAIZ等負責任的倡議如何影響社會：

• Financial inclusion: Caiz aims to integrate the 800 million unbanked Muslims into the global financial system.

•金融包容性：CAIZ的目標是將8億穆斯林納入全球金融體系。

• Riba-free banking: All financial products and services offered by Caiz are designed to be free from interest (riba), adhering to Islamic monetary principles.

•無RIBA銀行業務：CAIZ提供的所有金融產品和服務旨在不利於興趣（RIBA），並遵守伊斯蘭貨幣原則。

• Asset-backed currency: Caiz’s digital currency is backed by a basket of assets, ensuring its intrinsic value and stability.

•資產支持的貨幣：CAIZ的數字貨幣得到了一籃子資產的支持，以確保其內在價值和穩定性。

• Responsible investing: All investment products are vetted to align with Islamic principles, promoting socially responsible investing.

•負責任的投資：所有投資產品均經過審查，以符合伊斯蘭原則，從而促進對社會負責的投資。

• Lasting impact: Caiz's goal is to create a sustainable and positive impact on society through its financial solutions and support for community development programs.

•持久影響：CAIZ的目標是通過其財務解決方案和對社區發展計劃的支持對社會產生可持續和積極的影響。

A well-designed Shariah-compliant cryptocurrency can bring numerous benefits:

精心設計的符合伊斯蘭教義的加密貨幣可以帶來許多好處：

• It can facilitate cross-border payments in a faster, cheaper, and more efficient manner, especially for remittances to Muslim migrant workers.

•它可以以更快，更便宜，更有效的方式促進跨境支付，尤其是為了向穆斯林移民工人匯款。

• It can provide unbanked Muslims with greater access to financial services and products.

•它可以為穆斯林提供更多的金融服務和產品。

• It can foster financial inclusion by offering financial services to underserved populations.

•它可以通過向服務不足的人口提供金融服務來促進金融包容。

• It can support the development of new Islamic financial instruments and promote financial innovation within the Shariah framework.

•它可以支持新伊斯蘭金融工具的發展，並在伊斯蘭教義框架內促進金融創新。

The exclusion of 800 million Muslims from the current financial system highlights a crucial gap that must be addressed. While challenges remain in fully integrating cryptocurrency with Islamic principles, the emergence of ethical and Sharia-compliant crypto projects like Caiz presents a viable solution.

排除在當前金融體系中的8億穆斯林凸顯了必須解決的重要差距。儘管挑戰仍然在將加密貨幣與伊斯蘭原則完全整合在一起，但像Caiz這樣的符合道德和符合伊斯蘭教義的加密項目的出現提出了可行的解決方案。

By leveraging asset-backed digital finance, transparent blockchain governance, and interest-free financial models, such as Caiz crypto can become an accessible and trusted financial tool for the global Muslim population. The future of Jaiz crypto is promising

通過利用資產支持的數字財務，透明的區塊鏈治理和無利息的財務模型，例如Caiz Crypto可以成為全球穆斯林人口的可訪問且值得信賴的財務工具。 Jaiz Crypto的未來很有希望