LayerZero

Holding ZRO pays no interest, and the protocol has no lending function.

Riba is interest or any guaranteed increase on a loan. ZRO is a governance token; LayerZero charges for carrying messages, and ZRO repurchases are funded by Stargate bridge revenue, not by interest. Sharlife, the first authoritative source that rates LayerZero, marks it compliant, and CryptoUmmah also finds no interest mechanism. Staking terms on the planned Zero network are not public; that is a data gap, not a found problem, so the criterion is at the maximum.

ZRO governs working cross-chain infrastructure used by many applications.

Mal is property that Islamic law recognises as having value. ZRO gives votes over a live interoperability protocol, its fee switch and the Zero network. Sharlife rates LayerZero permissible, so the general debate on whether crypto is property is reflected in confidence rather than in this score.

ZRO has no chance-based payout or game mechanics.

Maysir is gambling: gaining or losing by chance rather than through productive exchange. ZRO is a governance token of infrastructure and has no lottery or meme feature; ordinary price swings are not maysir. CryptoUmmah lowers its own maysir score for speculation, but no coin-specific gambling mechanism is documented, so the criterion is at the maximum.

LayerZero earns from message and bridge fees; repurchases are funded by Stargate revenue.

This criterion asks how the protocol earns. LayerZero is paid for verifying and delivering cross-chain messages, and the Foundation reports repurchasing 2,375,357 ZRO for $3,329,282 from Stargate bridge revenue between September 2025 and August 2026. These are fees for a service. ATLAS, launched in August 2026, would use 75% of its post-rebate trading fees to buy and burn ZRO; which markets it will host was not confirmed and is noted as a data gap. No interest-based or other impermissible revenue was found, so the criterion is at the maximum.

Supply is fixed and code is audited, but insiders hold 57.7% of supply and an exploit exposed weak default verifier setups.

Gharar is excessive uncertainty or hidden information. ZRO supply is fixed at 1 billion, allocations are published and the Foundation publishes its repurchases. Two concrete points lower the score within pass. Strategic partners and core contributors hold 57.7% of final supply, with about 35% circulating and unlocks running into 2027.

ZRO is used to govern a messaging protocol and, on ATLAS, to earn venue fee rebates.

This criterion looks at what the asset is actually used for. ZRO is used for governance votes, including the six-monthly fee switch vote, and venues can stake it on ATLAS for fee rebates. These are permissible uses, and no impermissible main use is documented, so the criterion is at the maximum.

Fully paid spot ZRO is widely available and can be held in a self-custody wallet.

This criterion asks whether the asset can be owned in a permissible way. ZRO trades spot with full payment and delivery on major exchanges and is an ordinary token that can be withdrawn to a self-custody wallet on several networks. Ownership does not depend on derivatives or leverage, so the criterion is at the maximum.

LayerZero is useful infrastructure, but a $292 million exploit hit users of an application built on it.

Maslahah weighs benefit against harm. LayerZero lets assets and messages move between many blockchains, a real public benefit. A concrete harm is the April 2026 Kelp DAO exploit: attackers linked by LayerZero to North Korea's Lazarus Group drained about $292 million through a single-verifier bridge on LayerZero, and responsibility is now disputed in court. LayerZero has since stopped signing for 1-of-1 setups. The criterion stays in pass with a lower score.