Fixed Interest coins: are they halal?
5 Fixed Interest coins screened against our 27-point Shariah methodology. Open any report for pillar scores, criterion breakdowns and purification guidance.
What is Fixed Interest?
Fixed Interest tokens are crypto assets, typically issued through decentralized finance lending protocols or tokenized bond platforms, that pay depositors a predetermined, unchanging rate of return over a specified term rather than a rate that floats with market supply and demand. Returns are set at issuance through smart contracts or protocol parameters and remain constant regardless of subsequent utilization rates, borrower demand, or broader market interest rate movements, distinguishing them from variable-rate lending pools where yields adjust algorithmically. This structure is commonly used for fixed-term deposits, tokenized treasury products, and structured lending vaults on networks such as Ethereum and other smart contract platforms.
- Halal20%
- Mashbooh0%
- Haram80%
| Shariah | Riba | Gharar | Maysir | ||
|---|---|---|---|---|---|
| 136 |  PendlePENDLE | HALAL71.9 | |||
| 1314 |  Inverse FinanceINV | HARAM49.6 | |||
| 2555 |  SpectraSPECTRA | HARAM46.1 | |||
| 1216 |  saffron.financeSFI | HARAM34.9 | |||
| 1777 |  NexoraNEX | HARAM33.8 |
How CryptoUmmah screens Fixed Interest 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 5 Fixed Interest coins we've screened, the average Shariah compliance score sits at 47.3/100, with 20% classified Halal, 0% Mashbooh, and 80% Haram.