Is Stellar (XLM) Halal or Haram?
Last screened: April 2026 · Reviewed against AAOIFI Shariah Standards
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HALAL — Stellar
Decentralized payment network focused on cross-border remittances and financial inclusion
Screening Criteria
- Real utility — cross-border payments & remittances ✅
- No interest mechanism in the protocol ✅
- No gambling structure ✅
- Institutional partnerships (IBM, etc.) ✅
- Financial inclusion mission aligns with Islamic finance goals ✅
Scholar’s Note
Stellar's mission of financial inclusion and cross-border payments aligns well with Islamic finance principles. XLM is widely regarded as halal by scholars. The network's inflation mechanism has been deprecated, removing previous concerns.
⚠ This screening is for educational purposes only. For a binding religious ruling (fatwa), please consult a qualified Islamic scholar (mufti) familiar with your specific circumstances.
Our Screening Methodology
We screen every cryptocurrency against 5 criteria derived from AAOIFI Shariah Standards and scholarly consensus:
- ✓ No Riba — No interest-bearing mechanisms or yield that resembles usury
- ✓ No Gharar — No excessive uncertainty or deception in the token’s structure
- ✓ No Maysir — No gambling mechanics or purely speculative mechanisms
- ✓ Genuine Utility — The asset serves a real economic or technological purpose
- ✓ Halal Business — The underlying project does not facilitate haram activities
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