الأحكام الفقهية المتعلقة بمحفظة النقود الإلكترونية: "Stc Pay" أنموذجا

Abstract EN

The paper defines the notion of e-purses (particularly, STC Pay as an electronic purse where e-money is saved.

The e-purse owner can use his money online whenever he likes without having to carry cash.

There are many advantages of using e-purses like low surcharge, speed, and multiple uses.

We found that it opening and using an e-purse is permissible because it is considered one types of loaning and the surcharge is considered hiring a proxy for payment.

It does not involve any trace of usury because the company is regarded as a loanee that can receive and pay, therefore money can be added to the e-purse for local and international remittances, purchases, payment of bills, money withdrawal, even the prizes offered by the company when doing transactions are permissible because these prizes are offered when using the e-purse for purchase, not upon topping up.

Usury is then not involved, particularly these gifts are not calculated according to the size or duration of the loan.

If prizes are offered for the business by the companies partnering with STC Pay or obtained from the surcharges collected from customers, they are permissible too because usury does not hold in this case.