Praise be to Allah.
Firstly: The ruling on the Islamic forex
We have previously discussed the so-called Islamic forex in the answer to question 125758 , in which we explained that it is not permissible to deal with it, so long as it involves leverages, because it is a loan, and it is not permissible to combine a fee and a loan. The fee here refers to brokerage.
So if you are not going to use the leverage, you have avoided this infraction.
If you are going to use it, then you will undoubtedly fall into what is haram. There is nothing in the system of the company that makes that permissible as you thought.
Secondly: One of the conditions of trading in currency is that the exchange takes place on the spot
In order for trading in different currencies to be valid, it is stipulated that the exchange takes place on the spot. If the exchange does not take place on the spot, it comes under the heading of riba an-nasi’ah.
In a statement of the Islamic Fiqh Council on the ruling on margins and one of the reasons for the prohibition, it says that buying and selling currencies is usually done without the exchange being made in the Islamically prescribed manner which allows each party to access what he receives in his account.
The fact that the money is recorded in your account with the company, without you being able to withdraw it until after one or two days, according to what the company can afford, means that this condition is not met.
Based on that, it is not permissible to deal with this system.
And Allah knows best.
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