Usury increases wealth, decreases rewards in Hereafter

📖Sunan Ibn Mājah 2279
Ibn Mas’ūd reported: The Prophet ﷺ said, No one increases his wealth by usury except that his result will be little.”

Explanation
This ḥadīth teaches that ribā (interest/usury) may make your money look bigger, but it has no blessing (barakah) and often leads to loss, stress, or destruction. The “little” mentioned is not just about the number – it’s about the removal of benefit and peace from the wealth.

📖Qur’an 2:276
Allah destroys usury and gives increase for charities. And Allah does not like every sinning disbeliever.

📖Qur’an 2:275
Allah has permitted trade and has forbidden interest.

What is Interest (Ribā)?

Any extra amount charged or paid just for the time given on a loan is interest.

Example:

• Lend $100, take $110 back after a month – that extra $10 is interest.
• You give me $500 and ask for $510 back after 1 day – the extra $10 is interest.
• You give me 1 bag of rice and say, “Give me 2 bags after 1 month” – the extra bag is interest.

Islam forbids it because it gives profit without real trade, work, or risk, and exploits people in need.

The same principle applies to gambling-like games:
For example, you’re asked, “Who is the president of this country?”

• Option 1: demo
• Option 2: demo1

You choose demo and another person chooses demo1. If you win, their money is given to you. If you lose, your money goes to them. This is gambling – money moves without fair trade, effort, or real value creation.

BTC and Similar Assets

• Buying BTC for $1 and selling for $100k later is not ribā – it’s like buying gold or land cheap and selling it for more, because the profit comes from value change in an owned asset.

BTC can be halal if:

• You buy and own it outright.
• No guaranteed return or fixed interest is involved.
• No haram elements like scams, Ponzi schemes, or gambling-style speculation.

BTC is haram if:

• You borrow with interest to invest.
• You join fraudulent schemes.
• You trade like gambling without analysis or responsibility.

Gambling Apps (Probo, Dream11, etc.)

• These platforms are not trade, they are gambling (maysir) because you are betting money on an uncertain outcome, where winning depends mostly on chance, not real ownership or productive work.

• Example:

• You put ₹500 on a cricket match prediction in Probo. If your guess is right, you win more; if wrong, you lose your money.
• This is haram because it’s like lottery betting – someone’s gain is exactly someone else’s loss, with no real trade or asset involved.

📖Qur’an 5:90
“O you who have believed, indeed, intoxicants, gambling, [sacrificing on] stone alters [to other than Allah], and divining arrows are but defilement from the work of Satan, so avoid it that you may be successful.”

The hadith warns against ribā, but Islam also forbids maysir (gambling), Quick growth is not haram if it’s from halal trade with real ownership and risk, BTC trading can be halal if it’s like buying/selling gold – but gambling apps like Dream11 are haram because they’re pure chance-based betting, Barakah (blessing) matters more than the number in your bank account.