Kudin aika duniya: Miliyoyin da masu shiga tsakani ke ci a kowace shekara
Kowace shekara, ma'aikata daga wurare daban-daban suna fuskantar kusan dala tiriliyan 4 na kudin aika a duniya. Bankuna da kamfanonin aika kudi suna karbar kashi 6-7% na kudin, wanda ya kai biliyoyin daloli. A cikin tsarin kudin Islama, wannan nau'in kudi yana kama da 'riba' da 'gharar' saboda babu wani aiki na gaskiya da ake yi.
Kudaden da aka boye a cikin tsarin gargajiya
Bankuna sukan yi amfani da mummunan canjin kudi da kudaden boye don samun karin riba. Misali, aika dala 200 na iya biyan kudi har dala 15. Wannan ya saba wa ka'idar 'bai' (saye) a cikin kudin Islama, inda farashi ya kamata ya kasance a fili. Iyalai Musulmi da yawa suna jin wannan rashin adalci, musamman lokacin da suke son aika kudi ta hanyar halal.
Madadin kudin Islama: mallaka da gaskiya
A cikin kudin Islama, ma'amala ta dogara ne akan mallakar dukiya ta hakika. A tsarin 'Qist', mai aikawa yana canza kudi zuwa wata dukiya (kamar cryptocurrency), wanda shi ke mallaka, sannan ya mika ta ga mai karba. Babu kudaden boye, kashi 2% kawai. Ta haka, ribar masu shiga tsakani ta ƙare kuma kudin yana kaiwa ga iyali kai tsaye.
USDC da blockchain: juyin juya hali a cikin aika kudi na kasa da kasa
Qist yana amfani da USDC (kudin tsayayye), wanda ke da alaka da dala kuma yana tafiya a fili akan blockchain. Wannan yana rage kudin ma'amala da lokaci. Kwangiloli masu wayo a kan Base Network an duba su, don haka babu damar zamba. Bisa ga ka'idar 'amana' (amana) ta kudin Islama, duk bayanai suna a fili.
Yadda Qist ke aiwatar da hakan
A dandalin Qist, mai amfani yana saka USDC a cikin kwangila mai wayo, wanda ke sarrafa ma'amala ta atomatik. Mai siyarwa (mai aikawa) ya mallaki dukiya har sai mai karba ya karba. Akwai kwanaki 3 na jinkiri, kuma ba a karbar riba. Kudin da ya wuce ana mayar da shi, kuma kashi 2% kawai ake karba. Wannan ya yi daidai da ka'idodin Islama.
Gano Qist: qist.info
Wannan abun ciki ne na bayani kawai kuma ba shawara ce ta kudi ba.