Audience guide · Updated 2026-04-26
Muslim Americans face a specific intersection: well-developed conventional financial infrastructure, narrow halal-specific options, US-jurisdictional crypto rules (Coinbase, Kraken, Gemini), and IRS reporting obligations on every disposal. The mainstream halal vehicles (Wahed Invest, Amana Funds, Saturna) cover halal equity well but leave a gap for crypto — and the crypto products marketed to Muslim Americans are uneven on screening rigor.
Our bot is built for that gap: AAOIFI-aligned framework, with Saudi Permanent Committee for Ifta and leading Saudi Islamic banks guidance. Spot only across screened large caps. USD pricing throughout. Read+spot-only API key on US-friendly exchanges (Kraken, Gemini for US persons; Binance.US within its supported coin list). No leverage, no margin, no derivatives, no DeFi yield.
All tiers billed in USD via Whop and NowPayments. Conservative $49 · Moderate $69 · Multi-X $99.
Kraken and Gemini are the cleanest options for US persons. Binance.US works within its supported coin list. Coinbase is supported but has different fee dynamics. The bot's screened universe is mostly large-cap and is well-covered by these venues.
Wahed handles halal equity and sukuk allocation — that's the core of most Muslim American portfolios. Our bot occupies the crypto sleeve (5–10%) on top of that core. They're complementary, not competing — different asset classes, different mandates.
Every crypto disposal (sell, swap) is a taxable event in the US. Your exchange provides 1099 forms (Kraken, Gemini, Coinbase do; Binance.US does for some users). Tax software like Koinly or CoinTracker imports the trade ledger and produces Schedule D output. Consult a CPA familiar with crypto for complex situations.
AAOIFI-aligned framework is the international Shariah standard most US-based Islamic finance institutions reference. Saudi Permanent Committee for Ifta and leading Saudi Islamic banks guidance underpins the spot-only mandate. The methodology is published — bring it to AMJA, your local imam, or a scholar you trust for a second opinion.
Most contemporary scholars treat crypto as zakat-eligible at 2.5% annually on holdings above nisab on your zakat date. Many US Muslims align zakat date with Ramadan; others use a fixed lunar date. Document the per-date valuation from your exchange ledger.
Asymmetric multi-X targeting (3% in 4h, 5% in 1h, pyramid). No scalping, no leverage.
Why every leverage product, perp, and option is structurally excluded from every tier.
The full Shariah picture — riba, gharar, maysir, and how spot trading earns a permissive verdict.
Where crypto fits next to halal equity portfolios — volatility, liquidity, and screening differences.
Position sizing, stop logic, profit cadence — all derived from our halal mandate.
Last updated 2026-04-26; Author: HalalCrypto Research Team. Information only — not financial or Shariah advice. Make your own taqlid choice.