Finance / Banking coins: are they halal?
9 Finance / Banking coins screened against our 27-point Shariah methodology. Open any report for pillar scores, criterion breakdowns and purification guidance.
What is Finance / Banking?
Finance and banking tokens are cryptocurrencies built to support lending, borrowing, payments, trading, or asset management functions traditionally handled by banks and financial institutions. They typically power decentralized finance (DeFi) protocols, enabling users to earn interest, take out collateralized loans, swap assets, or access synthetic financial products without intermediaries, with the token often used for governance, fee payment, or collateral within the platform. Examples include tokens tied to lending markets, decentralized exchanges, derivatives platforms, and stablecoin-issuing protocols.
- Halal22%
- Mashbooh78%
- Haram0%
| Shariah | Riba | Gharar | Maysir | ||
|---|---|---|---|---|---|
| 96 |  XDC NetworkXDC | HALAL77.7 | |||
| 586 |  UMAUMA | HALAL75.3 | |||
| 2039 |  SXPSXP | MASHBOOH69.7 | |||
| 447 |  KavaKAVA | MASHBOOH69.1 | |||
| 82 |  NEXONEXO | MASHBOOH68.5 | |||
| 194 |  SwissBorgBORG | MASHBOOH67.7 | |||
| 778 |  LCXLCX | MASHBOOH66.5 | |||
| 779 |  cWBTCCWBTC | MASHBOOH57.7 | |||
| 570 |  cETHCETH | MASHBOOH57 |
How CryptoUmmah screens Finance / Banking coins
As with every category we track, coins here are screened individually against our 27-point methodology across the three core pillars — riba (interest), gharar (uncertainty), and maysir (speculation/gambling) — rather than being judged by category label alone. Two coins sharing this tag can land on very different verdicts depending on their specific tokenomics, revenue model, and governance structure. Across the 9 Finance / Banking coins we've screened, the average Shariah compliance score sits at 67.7/100, with 22% classified Halal, 78% Mashbooh, and 0% Haram.