Step 0 | Which monetary medium is involved?
Choose your analytical track. This is the most important choice in the diagnostic - it determines which framework is applied to every finding. There are two analytical tracks and three entry points.
Full Ribawi rules
⚖️
Classical monetary medium
Gold, silver, wheat, barley, dates, salt or any item that genuinely meets the seven Ribawi characteristics
Gold Dinar, silver Dirham, physical commodity, gold-backed instruments
Classical rules on fiat
🏛️
Fiat - treated as classical money
Mainstream scholarly position: fiat currency carries Thamaniyyah (monetary nature) and is subject to the same rules as gold and silver
Dollar, Pound, Euro - applying full Ribawi conditions as the traditional majority position
→ Routes to classical rules track
Open question
🔬
Fiat - research framework
Research position: fiat fails all seven Ribawi characteristics and may require a different analytical framework from classical monetary media
Fiat-denominated finance where the status of interest on fiat is examined as an open scholarly question
Step 1 | What best describes your situation?
🏦
Finance & lending
Mortgages, home finance, personal finance, business loans, IFI products
📈
Investment
Stocks, funds, Sukuk, crypto, partnership, equity
🤝
Trade & exchange
Buying/selling goods, currency, crypto-as-exchange, business sales
👤
Personal loan or gift
Lending to family or friends, Qard Hasan, personal help
💱
Currency & money exchange
Forex, currency trading, money changers, remittance
₿
Crypto & digital assets
Bitcoin, Ethereum, stablecoins, DeFi, NFTs, tokenized assets
Begin diagnostic →