Under Islamic law, money has no intrinsic value; it is merely a medium of exchange. Therefore, Shariah-compliant transactions must be tied to a tangible underlying asset or real economic activity.

As elaborated by the renowned 14th-century scholar Ibn Qayyim al-Jawziyya:

“When money begins to be treated as a commodity and becomes the objective of transactions, the entire (economic) system will become corrupted and in crisis.”

This principle ensures that Islamic finance remains grounded in real value creation and avoids speculative practices.