符合伊斯兰教义的加密货币是伊斯兰金融中的一个增长组成部分

他们为穆斯林投资者的区块链资产与伊斯兰法一致。这些数字资产旨在避免与关键的伊斯兰教原则发生冲突。

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.

在伊斯兰金融领域，迅速发展的组成部分是符合伊斯兰教法的加密货币。这些为穆斯林投资者提供了一种与伊斯兰法律一致的区块链资产的方式。代币旨在避免与诸如Riba（利息），Gharar（过度风险）和Haram（禁忌）等关键原则发生冲突。

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项目将常规伊斯兰财务与分散技术联系起来，满足对道德金融解决方案的不断增长。整体伊斯兰金融体系是全球价值超过2万亿美元的市场。

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.

符合伊斯兰教法的代币优先考虑透明度，资产支持和现实世界实用程序，与伊斯兰财务价值（例如共同的风险/回报和道德业务实践）保持一致。

What is Halal Cryptocurrency (Shariah-Compliant)?

什么是清真加密货币（符合伊斯兰教法）？

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

并非所有数字资产都符合符合伊斯兰教法的（清真）标准。具体要求包括：

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

•资产职能和管理方面的道德标准。

• 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.

•项目的核心公用事业应具有生产力或对社会有益。与禁止行业（例如基于利息的贷款或赌博）的直接联系通常会取消资产资格。

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

•切实的资产支持或清除现实世界实用程序增加了信誉。与物理商品或服务相关的项目通常比纯粹的投机令牌更喜欢。

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

•伊斯兰教义咨询委员会，更常见，包括伊斯兰学者，审查和认可这些项目，为寻求合规资产的投资者提供保证。

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Examples of Shariah-Compliant Crypto Projects & Platforms

符合伊斯兰教义的加密项目和平台的示例

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

几个项目说明了符合伊斯兰教法的区块链开发中的可能性：

• 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是最早获得识别的人之一。每个单词令牌都得到至少一克储备中的物理黄金的支持，提供了价格稳定性并减少了投机性交易上诉。

• 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.

•另一个值得注意的项目是基于HAQQ区块链平台的伊斯兰硬币（ISLM）。通过其综合的常绿dao，每项ISLM交易的一部分自动支持各种有益和可持续的事业。该生态系统的设计还禁止根据伊斯兰教法根据伊斯兰教法而创建被认为是不道德的金融产品，同时旨在支持合规创新。

• 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）的许可交易所运营，该国央行获得了许可，仅由符合伊斯兰教法的虚拟资产进行处理。该交易所根据宗教和道德规范将过滤器应用于屏幕上列出的代币，使穆斯林投资者能够对其合规性更加信心交易加密资产。

How is Adoption of Shariah-Compliant Crypto Growing?

符合伊斯兰教法的加密货币的采用如何增长？

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.

符合伊斯兰教法的数字资产服务的接受和发展似乎正在扩大，尤其是在穆斯林多数国家。据报道，包括马来西亚，印度尼西亚，阿联酋和沙特阿拉伯在内的国家正在探索或建立可能专门适用于清真数字资产的法律和监管框架。

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

这种政府利益与这些地区内消费者对道德投资产品的需求不断增长。

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.

一些交易所为其列出的资产引入了伊斯兰教法筛查工具或过滤器。其他人则直接与伊斯兰学者或咨询公司合作，以审查特定的令牌产品以进行合规性。

Related: UAE DeFi Transactions Surge 74%: A Young Nation Embraces Decentralization

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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.

全球金融科技初创公司也是专门为穆斯林用户量身定制的工具。从专业的数字钱包到交易平台，开发人员根据伊斯兰教义的原则专注于实现可及性，合规性和透明度。

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

这些举动表明，符合伊斯兰教法的加密货币正在超越一个小的利基市场，代表着具有巨大全球潜力的越来越多的细分市场。

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