Layer review
Namibia payment journey: Public lists cannot confirm what is enabled for one profile. Use the authenticated Personal Area (PA) as the live source for methods, limits, fees and processing estimates.
| Layer | Evidence |
|---|---|
| Software | MT4/MT5 functions |
| Broker | Entity/agreement |
| Instrument | Specification/ownership |
| Financing | Margin/leverage/fees |
| Settlement | Execution/history |
| Payments | Owned method/currency; separate operational layer |
Same app, different contracts
XAUUSD CFD, currency CFD and other instruments can share MT5 but have different Shariah questions. A software logo cannot certify them.
Review workflow
- Open exact symbol spec.
- Identify ownership/possession.
- Document settlement.
- List all fees.
- Record leverage/short structure.
- Ask qualified scholar.
EA boundary
Automation does not alter the contract. Restrict symbols/fees and log trades; copying a signal does not transfer responsibility.
Payment boundary
A bank/card route can raise its own ethical/legal questions but does not turn an impermissible trading contract into a permissible one, or vice versa.
References
CFD structure · AAOIFI standards
Frequently asked questions
Is MT5 itself halal?
It is software; assess the underlying transaction.
Does swap-free settle the issue?
No. Other contract questions remain.
Does an EA change the ruling?
No. It automates the same transaction.
Who gives the final ruling?
A qualified scholar reviewing current exact terms.