符合伊斯蘭教義的加密貨幣是伊斯蘭金融中的一個增長組成部分

他們為穆斯林投資者的區塊鏈資產與伊斯蘭法一致。這些數字資產旨在避免與關鍵的伊斯蘭教原則發生衝突。

In the realm of Islamic finance, a burgeoning component is that of Shariah-compliant cryptocurrencies. These offer Muslim investors a way to participate in blockchain assets consistent with Islamic law. The tokens are designed to avoid conflict with key principles such as riba (interest), gharar (excessive risk), and haram (forbidden) sectors like gambling.

在伊斯蘭金融領域，迅速發展的組成部分是符合伊斯蘭教法的加密貨幣。這些為穆斯林投資者提供了一種與伊斯蘭法律一致的區塊鏈資產的方式。代幣旨在避免與諸如Riba（利息），Gharar（過度風險）和Haram（禁忌）等關鍵原則發生衝突。

Halal crypto projects link conventional Islamic finance with decentralized technologies, meeting rising demand for ethical financial solutions. The overall Islamic financial system is a market worth over $2 trillion globally.

Halal Crypto項目將常規伊斯蘭財務與分散技術聯繫起來，滿足對道德金融解決方案的不斷增長。整體伊斯蘭金融體係是全球價值超過2萬億美元的市場。

Shariah-compliant tokens prioritize transparency, asset backing, and real-world utility, aligning with Islamic finance values such as shared risk/return and ethical business practices.

符合伊斯蘭教法的代幣優先考慮透明度，資產支持和現實世界實用程序，與伊斯蘭財務價值（例如共同的風險/回報和道德業務實踐）保持一致。

What is Halal Cryptocurrency (Shariah-Compliant)?

什麼是清真加密貨幣（符合伊斯蘭教法）？

Not all digital assets meet Shariah-compliant (Halal) standards. Specific requirements include:

並非所有數字資產都符合符合伊斯蘭教法的（清真）標準。具體要求包括：

• Ethical criteria in the asset’s function and management.

•資產職能和管理方面的道德標準。

• A project’s core utility should be productive or socially beneficial. Direct links to prohibited industries, like interest-based lending or gambling, typically disqualify an asset.

•項目的核心公用事業應具有生產力或對社會有益。與禁止行業（例如基於利息的貸款或賭博）的直接聯繫通常會取消資產資格。

• Tangible asset backing or clear real-world utility adds credibility. Projects tied to physical goods or services are often preferred over purely speculative tokens.

•切實的資產支持或清除現實世界實用程序增加了信譽。與物理商品或服務相關的項目通常比純粹的投機令牌更喜歡。

• Shariah advisory boards, more often including Islamic scholars, review and endorse these projects, providing assurance for investors seeking compliant assets.

•伊斯蘭教義諮詢委員會，更常見，包括伊斯蘭學者，審查和認可這些項目，為尋求合規資產的投資者提供保證。

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Examples of Shariah-Compliant Crypto Projects & Platforms

符合伊斯蘭教義的加密項目和平台的示例

Several projects illustrate the possibilities within Shariah-compliant blockchain development:

幾個項目說明了符合伊斯蘭教法的區塊鏈開發中的可能性：

• OneGram was among the first to gain recognition, utilizing a gold-backed model. Each OneGram token is supported by at least one gram of physical gold held in reserve, offering price stability and reducing purely speculative trading appeal.

•使用金支持的模型，Onegram是最早獲得識別的人之一。每個單詞令牌都得到至少一克儲備中的物理黃金的支持，提供了價格穩定性並減少了投機性交易上訴。

• Another notable project is Islamic Coin (ISLM), which is based on the Haqq blockchain platform. Through its integrated Evergreen DAO, a portion of every ISLM transaction automatically supports various beneficial and sustainable causes. This ecosystem’s design also prohibits the creation of financial products considered unethical under Shariah law, while aiming to support compliant innovation.

•另一個值得注意的項目是基於HAQQ區塊鏈平台的伊斯蘭硬幣（ISLM）。通過其綜合的常綠dao，每項ISLM交易的一部分自動支持各種有益和可持續的事業。該生態系統的設計還禁止根據伊斯蘭教法根據伊斯蘭教法而創建被認為是不道德的金融產品，同時旨在支持合規創新。

• FICE (Fasset Islamic Crypto Exchange) operates as a licensed exchange in Bahrain, licensed by the country’s central bank and exclusively dealing in Shariah-compliant virtual assets. The exchange applies filters based on religious and ethical norms to screen listed tokens, allowing Muslim investors to trade crypto assets with greater confidence in their compliance.

•FICE（Fasset Islamic Crypto Exchange）在巴林（Bahrain）的許可交易所運營，該國央行獲得了許可，僅由符合伊斯蘭教法的虛擬資產進行處理。該交易所根據宗教和道德規範將過濾器應用於屏幕上列出的代幣，使穆斯林投資者能夠對其合規性更加信心交易加密資產。

How is Adoption of Shariah-Compliant Crypto Growing?

符合伊斯蘭教法的加密貨幣的採用如何增長？

Acceptance and development of Shariah-compliant digital asset services appear to be expanding, especially across Muslim-majority countries. Nations including Malaysia, Indonesia, UAE, and Saudi Arabia are reportedly exploring or establishing legal and regulatory frameworks that may apply specifically to Halal digital assets.

符合伊斯蘭教法的數字資產服務的接受和發展似乎正在擴大，尤其是在穆斯林多數國家。據報導，包括馬來西亞，印度尼西亞，阿聯酋和沙特阿拉伯在內的國家正在探索或建立可能專門適用於清真數字資產的法律和監管框架。

This governmental interest aligns with increasing consumer demand for ethical investment products within these regions.

這種政府利益與這些地區內消費者對道德投資產品的需求不斷增長。

Some exchanges have introduced Shariah screening tools or filters for their listed assets. Others have partnered directly with Islamic scholars or advisory firms to vet specific token offerings for compliance.

一些交易所為其列出的資產引入了伊斯蘭教法篩查工具或過濾器。其他人則直接與伊斯蘭學者或諮詢公司合作，以審查特定的令牌產品以進行合規性。

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Fintech startups globally are also building tools specifically tailored for Muslim users. From specialized digital wallets to trading platforms, developers focus on achieving accessibility, compliance, and transparency according to Shariah principles.

全球金融科技初創公司也是專門為穆斯林用戶量身定制的工具。從專業的數字錢包到交易平台，開發人員根據伊斯蘭教義的原則專注於實現可及性，合規性和透明度。

These moves indicate Shariah-compliant crypto is moving beyond a small niche, representing a growing segment with significant global potential.

這些舉動表明，符合伊斯蘭教法的加密貨幣正在超越一個小的利基市場，代表著具有巨大全球潛力的越來越多的細分市場。

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