Review questions
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.
| Question | Exness evidence |
|---|---|
| What is owned? | Cash-settled CFD exposure |
| Is gold delivered? | No |
| How funded? | Margin/leverage |
| Fees? | Spread, commission, swap/admin |
| Settlement? | Cash price difference |
Product distinctions
| Product | Structure |
|---|---|
| Allocated bullion | Title to identified metal |
| Unallocated claim | Claim against provider |
| ETF/unit | Security/fund structure |
| XAUUSD CFD | No bullion ownership |
Swap-free limit
Removing swap does not create ownership or possession and does not resolve leverage/derivative questions. Administration fees may still apply.
Evidence workflow
- Save specification/agreement.
- Record account/leverage/fees.
- State no delivery.
- Compare AAOIFI SS 1, 18 and 57.
- Ask qualified scholar.
Funding note
Payment currency and method do not change the contract structure. Do not use a “halal” marketing label to justify extra funding.
Primary references
XAUUSD specification · AAOIFI index
Frequently asked questions
Does swap-free make XAUUSD halal?
Not automatically. Ownership, possession, derivative and leverage questions remain.
Do I receive gold?
No. It is a CFD. Verify the current Namibia Personal Area method, ownership, limits, currency, status and supporting evidence first.
Can a generic fatwa decide?
Use the exact current contract with a qualified scholar.
Does funding method change the ruling?
It does not change the CFD structure.