CAIZ：弥合差距并将金融包容性引入穆斯林世界

加密货币彻底改变了全球金融格局，提供了权力下放，金融包容性和投资机会。

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.

加密货币已经席卷了全球金融格局，有希望的分散，金融包容性和新的投资机会。然而，尽管采用了新兴的采用，但这场金融革命中的8亿穆斯林被排除在外。

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?

传统的金融和加密货币都无法与伊斯兰金融原则保持一致，这对广阔的穆斯林社区至关重要。但是，如果Jaiz（允许的）加密解决方案可以弥合这一差距并将金融包容性引入穆斯林世界，该怎么办？

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).

伊斯兰金融是根据伊斯兰教法衍生的严格原则运作的。这些原则强调道德投资，透明度和禁止利益（RIBA），投机（Gharar）和赌博（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.

传统的加密货币（例如比特币和以太坊）经常在其流动性，波动性或投机性质的背景下进行讨论。他们缺乏内在价值，这可能从伊斯兰的角度引起人们的关注。

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.

尽管有些学者认为，如果相应地构建数字资产，则可以根据伊斯兰教义的原则使用数字资产，但由于监管不确定性，其他数字资产仍然谨慎。这种不确定性使许多穆斯林完全避免了加密货币，从而在数字经济中造成了财务差距。

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，正在开发新一波加密项目，以与伊斯兰财务原则保持一致。一个这样的项目就是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这个名字来自阿拉伯语Jaiz，意思是允许。与其他关注分散财务的加密货币不同，Caiz遵循伊斯兰教义的原则来建立世界上第一个符合道德和符合伊斯兰教法的区块链生态系统。

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旨在弥合现代金融科技与伊斯兰金融之间的差距，将分散的金融（DEFI）与负责任的治理（CEFI）融合在一起，以提供透明，无利息和资产支持的数字金融网络。它提供了与伊斯兰原则相吻合的JAIZ和道德金融解决方案，同时为全球数百万穆斯林的数以百万计的穆斯林促进金融包容性。

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

尽管全球加密货币的采用越来越多，但由于一些关键问题，许多穆斯林避免了投资：

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

•许多加密项目被认为是与伊斯兰财务原则不符的投机企业。

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

•穆斯林首选的无利息财务模式未纳入加密货币领域。

•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.

•由浅色塑料制成的小型起重机玩具将浅黄色，橙色和绿色的小塑料球提升。起重机连接到绿色的塑料底座上，带有小型起重机玩具，由浅色塑料制成，抬起浅黄色，橙色和绿色的小塑料球。起重机附着在绿色塑料基础上。伊斯兰金融中有价值的透明度。

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.

通过遵守伊斯兰财务原则，CAIZ通过基于伊斯兰教义的数字金融使穆斯林的金融包容性在全球范围内。与炒作支持的加密货币项目不同，CAIZ提供了无RIBA支付系统，资产支持的数字货币以及合规，分散的货币系统。

Here’s how responsible initiatives like Caiz impact society:

这是CAIZ等负责任的倡议如何影响社会：

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

•金融包容性：CAIZ的目标是将8亿穆斯林纳入全球金融体系。

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

•无RIBA银行业务：CAIZ提供的所有金融产品和服务旨在不利于兴趣（RIBA），并遵守伊斯兰货币原则。

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

•资产支持的货币：CAIZ的数字货币得到了一篮子资产的支持，以确保其内在价值和稳定性。

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

•负责任的投资：所有投资产品均经过审查，以符合伊斯兰原则，从而促进对社会负责的投资。

• 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.

•持久影响：CAIZ的目标是通过其财务解决方案和对社区发展计划的支持对社会产生可持续和积极的影响。

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

精心设计的符合伊斯兰教义的加密货币可以带来许多好处：

• 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，更有效的方式促进跨境支付，尤其是为了向穆斯林移民工人汇款。

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

•它可以为穆斯林提供更多的金融服务和产品。

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

•它可以通过向服务不足的人口提供金融服务来促进金融包容。

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

•它可以支持新伊斯兰金融工具的发展，并在伊斯兰教义框架内促进金融创新。

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.

排除在当前金融体系中的8亿穆斯林凸显了必须解决的重要差距。尽管挑战仍然在将加密货币与伊斯兰原则完全整合在一起，但像Caiz这样的符合道德和符合伊斯兰教义的加密项目的出现提出了可行的解决方案。

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

通过利用资产支持的数字财务，透明的区块链治理和无利息的财务模型，例如Caiz Crypto可以成为全球穆斯林人口的可访问且值得信赖的财务工具。 Jaiz Crypto的未来很有希望