Decred

Ticket rewards are variable payments for voting on blocks, not interest, but most holders delegate the voting to paid services, so the income is largely passive.

Riba means interest or any guaranteed increase on a loan. Holding DCR earns nothing. Locking DCR in a ticket lets the holder vote on blocks, consensus changes and treasury spends; tickets are picked at random, the reward is a share of the 89% of the block reward paid to voters, and a missed or expired ticket returns only the original stake. Nothing is lent and no fixed return is promised, so this is not riba; Sharlife rates DCR compliant, and CryptoUmmah says staking returns come from issuance rather than fixed-rate lending.

DCR is the native currency of a working blockchain that has run since 2016, with its own security, voting and treasury.

Mal is property that Islamic law recognises as having value and that can be owned and traded. DCR is the native coin of a blockchain running since 8 February 2016, used to pay, to secure the network and to vote on its rules and treasury. Sharlife rates DCR compliant, describing it as a store of value like Bitcoin with fundamental underlying value, so the criterion gets the maximum score. The general disagreement among tier-1 bodies about cryptocurrency is reflected in confidence, not in this score.

DCR has no gambling mechanics, and no DCR perpetual futures were found on the major venues checked.

Maysir is gambling: winning or losing by chance rather than through productive exchange. Ticket selection is random, but a ticket holder risks no stake on the draw: a ticket that is not picked is refunded, so this is a way of assigning voting work, not a wager. On 1 October 2026 DCR traded spot on Binance, while Binance Futures, Bybit and OKX listed no DCR perpetual contract. With no concrete gambling feature, the criterion gets the maximum score.

There is no company earning for holders; a protocol treasury funded by 10% of new coins pays for work that stakeholders approve.

This criterion asks how the issuer or protocol earns. Decred has no issuer selling a product. 10% of each block reward goes to a treasury, and since 2021 stakeholders vote on treasury spends; the treasury held about 881,000 DCR on 1 October 2026. No interest-bearing or other impermissible income stream was found, so the criterion gets the maximum score.

Supply, reward split and governance are public and on-chain; an 8% premine, half to the founding team, is disclosed.

Gharar is excessive uncertainty or hidden information in a deal. Decred's rules are transparent: the supply cap, the 1/89/10 reward split, ticket rules and every consensus vote are published, and supply, tickets and treasury are visible on the dcrdata explorer. The score is lowered slightly for a concrete, disclosed point: 1.68 million DCR (8% of supply) was premined at launch, of which 840,000 DCR went to Company 0 and developers for start-up costs. CryptoUmmah also notes modest uncertainty in when a ticket will be picked, but the stake is refunded if it is not.

DCR is used to hold and send value and to vote on the network's blocks, rules and treasury.

This criterion looks at what the asset is actually used for. DCR is used as a currency and store of value and, through tickets, to secure and govern the network; about 64% of issued DCR was locked in tickets on 1 October 2026. No impermissible primary use was found, so the criterion gets the maximum score.

Fully paid spot DCR is available and can be held in one's own wallet.

This criterion asks whether the asset can be owned in a permissible way. DCR trades spot with full payment and delivery, for example on Binance's DCR/USDT pair, and can be held in self-custody wallets such as Decrediton. Ownership does not depend on derivatives or leveraged wrappers, so the criterion gets the maximum score.

Decred offers a self-governed, self-funded currency network; no concrete harm specific to DCR was found.

Maslahah weighs public benefit against harm. Decred has run for over ten years as an open-source currency whose holders govern its rules and fund development from a treasury they control. No study found links DCR specifically to fraud, sanctions evasion or exploitation at scale, so the criterion gets the maximum score.