Issue 01 · The House

01 / 28 · Practice · Speculation

Do not house a family on a token.

A deposit that lives in an exchange account is not a deposit. It is a position. HPP providers will not treat it as either until it is sterling in a named account.

The Mizan desk · 7 September 2026 · 6 min

Scale and house weight

Crypto as mal is a split in this guide already. Crypto as a 10% deposit on a Birmingham terrace is a timing problem even if you follow the permit-Bitcoin camp. Exchange risk, gharar, and a solicitor who needs source-of-funds will all arrive before the Shariah board does.

Staking yields and CeFi ‘savings’ on the way to a house are coupons. They do not become lawful because the destination is a musharakah. Convert, document, sit in wakala savings, then buy the house.