Publishing soon. insha'Allah 🤲

Analysis of "Bitcoin, Fiat, and Islamic Finance" The core argument: The global fiat monetary system is fundamentally incompatible with Islamic finance, whereas Bitcoin is inherently aligned with genuine Islamic economic principles. The Fiat Failure (Haram) • Riba and Debt: The modern system relies on fractional reserve banking, creating money ex nihilo (out of nothing) when loans are made. This creation of "money on money" is defined as the Islamically proscribed sin of riba (usury/interest). • Failed Islamic Banking: Contemporary Islamic banks have made the fatal error of competing with conventional interest-based institutions instead of returning to prophetic economics. By remaining fractional reserve banks reliant on fiat, they repeat the mistakes of conventional banking. • Form Over Substance: Popular instruments like the commodity murabaha (tawarruq) are legal ruses designed to mimic loans with interest. Likewise, sukuk (Islamic bonds) often include a Purchase Undertaking that guarantees capital repayment, stripping away asset risk and replacing it with credit risk, thus acting like a conventional bond. The Bitcoin Alignment (Halal) • Sound Money: True Islamic finance was founded on a hard monetary standard (like the gold dinar) and requires money to be a medium of exchange and a store of wealth, not a commodity to be traded. Bitcoin, being finite, scarce, and inflation-resistant, possesses superior sound money characteristics compared to gold. • Anti-Riba Mechanism: Bitcoin is not birthed in debt. It is created through the proof-of-work mechanism, requiring work and energy expenditure, which is termed "unforgeable costliness". This inherent cost prevents creation ex nihilo and makes seigniorage on issuance fundamentally impossible. • Ethical Economics: Bitcoin’s scarcity encourages low time preference (patience, saving, long-term planning), aligning with the Islamic concept of sabr. Its decentralisation aligns with the tradition of separating the ruler (government) from money, fostering economic justice and free markets. • Future Finance: Bitcoin's "pure equity" nature is expected to force financial intermediation back to the ethical risk-sharing models central to Islamic finance, such as mudaraba and musharaka. The paper concludes that a non-Muslim (or group of non-Muslims) likely invented the most Shari’a compliant monetary system in existence. 🔥 Original web version:

Axiom

Bitcoin, Fiat, and Islamic Finance — Axiom

PDF (English): https://static1.squarespace.com/static/62de2a644f0418669484e364/t/68f1a881e673d61eba7817fd/1760667823710/Bitcoin%2C+Fiat%2C+and+Islamic+Finance?s=09

Let’s be honest: “Machine Learning,” “Neural Networks,” “Natural Language Processing.” These terms are enough to make most adults’ eyes glaze over, let alone a pre-teen’s or a teenager’s. So how do we get our kids excited about understanding the most transformative technology of their lifetime? You don’t hand them a textbook. You hand them a story. Welcome to “The Robots Are Alive! Adam and Layla Demystify AI,” a book designed for “stealth learning.” We’ve hidden a comprehensive introduction to Artificial Intelligence inside a fun, fast-paced, and hilarious family adventure. Before they know it, your child will be explaining the difference between ANI and AGI, discussing the ethics of deepfakes, and connecting the dots between ancient history and modern code. “The Robots Are Alive!” isn’t just a book about AI; it’s proof that learning can be an absolute blast. Stop trying to force the textbook. It’s time to start the adventure. “The Robots Are Alive! Adam and Layla Demystify AI” available soon on Amazon and Google Play.

My Kid Won’t Read a Textbook on AI (And Now They Don’t Have To)

Let’s be honest: “Machine Learning,” “Neural Networks,” “Natural Language Processing.” These terms are enough to make most adults’ ...

As Muslims, we are taught to embrace beneficial knowledge. Yet, the rapid rise of Artificial Intelligence brings a unique set of questions that touch the very core of our values. Is this technology a profound blessing from Allah, a tool to achieve Ihsan (excellence)? Or does it present a potential fitna (trial) that could challenge our understanding of truth, justice, and even humanity itself? Our children are growing up as digital natives in this new world, and they need a compass to navigate it. That compass is our faith. “The Robots Are Alive! Adam and Layla Demystify AI” was written to be that guide. From questioning “Robot Imams” to discussing Adl (justice) in algorithmic bias, “The Robots Are Alive!” equips young Muslims with the confidence to engage with future technologies not with fear, but with a strong ethical and spiritual grounding. It is a tool for raising a generation that sees technology not as an end in itself, but as a means to better serve Allah and humanity. Give your children the compass they need to navigate the future. Let their faith be their guide.

A Compass for the Age of AI: Guiding Our Children with Islamic Values

As Muslims, we are taught to embrace beneficial knowledge.

To all my Indonesian 🇮🇩 friends, thank you for all your support! Please don't forget to leave a review 🙏 #BitcoinItuHalal https://shopee.co.id/Bukunesia-Buku-Bitcoin-itu-Halal-Adam-dan-Laila-Menemukan-Emas-Digital-i.717921939.43673317510

The most important conversation your family isn't having (yet) Artificial Intelligence is no longer a sci-fi fantasy; it’s a daily reality. It powers the search results for your child’s homework, recommends the next family movie, and is already transforming industries from medicine to farming. This incredible technology promises a future of unprecedented innovation. Yet, it also brings a wave of complex questions: How do we guard against algorithmic bias? What does a world with deepfakes mean for truth? And how will AI reshape the jobs our children will one day seek?

The Most Important Conversation Your Family Isn’t Having (Yet)

Artificial Intelligence is no longer a sci-fi fantasy; it’s a daily reality.

The future is arriving faster than ever. Isn’t it time your family started talking about it? “The Robots Are Alive! Adam and Layla Demystify AI” available soon on Amazon and Google Play.

Bitcoin Is Halal Arabic edition coming soon, inshaAllah, thanks to @MuaawiyahTucker - البيتكوين حلال

Visual Capitalist

Ranked: The Countries With the Most Millionaires in 2025

We show the top 25 countries with the most millionaires, highlighting America's continued dominance of wealth.

THERE ARE MORE MILLIONAIRES IN THE US ALONE, THAN THE TOTAL NUMBER OF BITCOIN! 🤯

Sneak peek from my new book: THE ROBOTOS ARE ALIVE! Adam and Layla Demystify AI

Ijma is a self-custody Bitcoin wallet that integrates Lightning and Nostr to offer secure, decentralized identity and payments—all in one mobile app. It’s designed to balance sovereignty with usability, making advanced Bitcoin tools accessible to everyday users. 🧭 What Is Ijma? Ijma (Arabic: إجماع, meaning “consensus”) is a next-generation Bitcoin wallet built for both technical power users and newcomers. It combines: - Bitcoin and Lightning support for fast, low-fee transactions - Nostr integration for decentralized identity and messaging - Ecash compatibility via Cashu and Fedimint, bridging custodial and non-custodial systems This makes Ijma not just a wallet—but a sovereign digital toolkit for secure payments, identity, and community interaction. 🧱 Core Design Principles - Consensus between security and usability: Ijma is built to be intuitive for beginners while offering advanced features for developers and activists. - Sovereignty without friction: Users retain full control of their keys, identities, and data—without sacrificing convenience. - Modular architecture: The wallet is designed to support future integrations, including encrypted backups, inheritance protocols, and accessibility features. 🔐 Key Features - Self-custody by default: No third-party holds your Bitcoin or identity keys. - Lightning-native: Send and receive instant payments with low fees. - Nostr-powered identity: Use your wallet to sign into decentralized apps and social spaces. - Ecash bridges: Interact with Cashu and Fedimint communities for privacy-preserving payments. 🌍 Why It Matters Ijma is built for a world where digital sovereignty, privacy, and ethical design are non-negotiable. It’s especially relevant for communities seeking financial inclusion, censorship resistance, and culturally resonant tools. You can explore more at www.ijmawallet.com.

TIME TO LOAD UP! #bitcoin

Many financial and crypto media have been reporting the UK FCA U-turn for Bitcoin ETN/ETPs. We've written about it (see provided link).

Bitcoin ETNs Return to the UK: What Retail Investors Need to Know

A Brief History: The FCA Ban and Its Reversal In January 2021, the UK’s Financial Conduct Authority (FCA) imposed a sweeping ban on the sale, mar...

It's worth noting that only instruments that are backed by physical bitcoin and listed on LSE will be allowed. Although BTC instruments have been permitted by the FCA since 8 October, each issuer still needs to complete final approvals and have their ETNs admitted to trading on the London Stock Exchange. This means that most ETNs are not immediately available. Some platforms that we are aware of: AJ Bell IG Trading 212 HL (although they're stupid!) In terms of ETNs/ETPs, we've looked into what's available and listed some below: • Bitwise Physical Bitcoin ETC GBP (LSE:BTCE) • Coinshares Physical Bitcoin (BTC) GBP (LSE:BITP) • Wisdomtree Physical Bitcoin GBP (LSE:WXBT) • 21Shares Bitcoin ETP GBP (LSE:ABTC) • Fidelity Physical Bitcoin ETP GBP (LSE:FBTG) • Invesco Physical Bitcoin ETN GBP (LSE:BTIP)

Bitcoin ITU Halal 🇮🇩 print edition is available to buy from Bukunesia!

Bukunesia Store

Buku Bitcoin itu Halal Adam dan Laila Menemukan Emas Digital - Bukunesia Store

Dapatkan Buku Bitcoin itu Halal Adam dan Laila Menemukan Emas Digital hanya di Penerbit Bukunesia dan dapatkan dengan harga terbaik disini.

Use code BUKUPYDY9 to save 20% on your order! #BitcoinItuHalal #BitcoinIsHalal Edisi cetak Bitcoin ITU Halal 🇮🇩 sudah tersedia untuk dibeli! Gunakan kode BUKUPYDY9 untuk menghemat 20% pesanan Anda! Terjemahan oleh Hansen Malau

Looking for the perfect book to explain Bitcoin to your family? "BITCOIN IS HALAL" is your answer. Fun, educational, and faith-affirming. ✅ Ages 9-16 ✅ English & Bahasa Indonesian ✅ Amazon & Google Play Start the adventure now! www.ashikusmanbooks.com #BitcoinIsHalal #AntiRibaMoney

Ijma Wallet project website:

Ijma Wallet

Ijma - Bitcoin, Lightning and Nostr All-in-One Mobile Wallet

Check out the high-level design document. Would be grateful for any feedback. Thank you.

"I remember..." #bitcoin

Ijma Wallet project update: - new domain registered - basic website with high level design document (v0.1) published - Executive Summary Ijma (Arabic: إجماع, meaning "consensus") is a self-custody Bitcoin/Lightning wallet that doubles as a decentralized identity solution through deep Nostr integration. It bridges traditional Bitcoin custody with emerging ecash systems (Cashu/Fedimint) while maintaining enterprise-grade security and consumer-friendly UX. - Core Philosophy: Consensus between security and usability, sovereignty and convenience, power user features and beginner-friendly design. Ijma Wallet represents a comprehensive vision for the next generation of Bitcoin wallets - one that embraces the full spectrum of Bitcoin innovation from base layer to Lightning to ecash, while integrating seamlessly with decentralized identity through Nostr. - Key Differentiators: • Identity + Money: First wallet to truly unify identity and payments • Security without compromise: Enterprise security meets consumer UX • Ecosystem integration: Works with everything in the Bitcoin/Nostr universe • Progressive complexity: Grows with user sophistication • Community-driven: Open source, transparent, user-owned - Product Vision: “Sovereign. Private. Halal.” A non-custodial Bitcoin wallet that integrates Lightning, Nostr, Cashu, and Fedimint—built for users who value privacy, autonomy, and ethical finance. It’s not just a wallet; it’s a sanctuary for digital dignity. - Privacy-First Architecture: • No custody, no surveillance: Users hold their own keys. No tracking, no profiling. • Cashu & Fedimint: Enable anonymous, Chaumian e-cash and community custody. • Nostr integration: Decentralized identity and messaging—no centralized servers. • Open-source transparency: Every line of code is auditable and forkable. - Shariah Compliance Foundations : • No Riba (interest): The wallet does not facilitate lending or borrowing with interest. • No Gharar (excessive uncertainty): Clear fee structures, transparent routing, and no hidden risks. • No Maysir (gambling): No speculative trading or high-risk financial instruments. • Recognition of Maal (valuable property): Bitcoin is treated as a legitimate store of value and medium of exchange, aligning with scholarly views that affirm its halal status. • Zakat & Sadaqah modules (future roadmap): Optional tools to calculate and donate directly from wallet. The name "Ijma" (consensus) reflects the wallet's core mission: achieving consensus between competing priorities - security vs. usability, privacy vs. convenience, simplicity vs. power, individual sovereignty vs. social connection. This wallet doesn't just store bitcoin - it becomes your sovereign digital identity and your gateway to the decentralized future.

Introducing the Ijma Wallet - Ijma (Arabic: إجماع, meaning "consensus") is a self-custody Bitcoin/Lightning wallet that doubles as a decentralised identity solution through deep Nostr integration. It bridges traditional Bitcoin custody with emerging ecash systems (Cashu/Fedimint) while maintaining enterprise-grade security and consumer-friendly UX. Core Philosophy: Consensus between security and usability, sovereignty and convenience, power user features and beginner-friendly design. More details coming in due course. Being designed and built by Bitcoin Maxis for Bitcoin Maxi (and everyone else).

🇬🇧🇮🇩 Now available in English & Bahasa Indonesian! "BITCOIN IS HALAL" is ready for a global audience. The perfect guide for families in Southeast Asia and beyond to explore digital money through a faith-based lens. Get your copy on Amazon & Google Play! www.ashikusmanbooks.com #BitcoinIsHalal #BitcoinItuHalal #BahasaIndonesia #BukuAnak

Whatever you lend out in usury to gain in value through other people's wealth will not increase in Allah's eyes but whatever you give in alms in your desire for Allah's please will be multiplied The Qur'an 30:35