the same genus, it serves as a stratagem for ribā al-faḍl (usury of excess) (1) and ribā al-nasīʾah (usury of deferment) (2).

Question Eleven: What is the ruling on someone who purchases gold, still owes part of its price, and says, “I will bring it to you whenever it becomes easy for me”?

Answer: This is impermissible. If he nevertheless does so, the contract is valid for the portion whose counter-value he has actually taken possession of and void for the portion he has not, because the Prophet ﷺ said about exchanging gold for silver, “Sell as you wish, so long as it is hand to hand.” (3)

Question Twelve: What is the ruling concerning a person who has bought gold and concluded the sale, then paid the price but still owes a part of the amount—may he go somewhere, such as to his car or to the bank, to fetch the remainder after a short while, while he does not take possession of the gold until after