Islamic Finance Academy

Zakat on Crypto

Crypto assets differ in purpose, rights, liquidity, custody, and risk. An educational estimate depends on user-entered values and an explicitly selected treatment; it does not classify a token or retrieve a live price.

Last reviewed: 2026-07-29Reviewed by: Human editorial reviewEditorial status: Reviewed

Build an asset inventory

List assets, quantities, custody locations, ownership shares, restrictions, and valuation time.

Exclude assets not owned and identify lost access, locked balances, staking arrangements, or disputed ownership for separate review.

Choose and record a valuation basis

Use a reliable external source and timestamp for any market value, noting liquidity and currency conversion assumptions.

A converted spot value is not necessarily a realizable local retail value.

Treatment and calculation

A calculator may apply arithmetic to an entered value under a chosen method. It cannot determine whether every token is currency, trade inventory, an investment interest, or another kind of right.

Combine values consistently with other included assets before reviewing Nisab, Hawl, and liabilities.

Practical examples

Timestamped portfolio value

A holder records quantities and an external valuation at one stated time, converts consistently, and preserves the source before entering the total.

Important cautions

  • Do not use an unsourced or stale market value.
  • Do not assume illiquid, locked, lost, or disputed assets have the same treatment as accessible holdings.

Differences of opinion

Classification and treatment can differ across token types, trading intentions, staking arrangements, inaccessible holdings, and emerging products.

When to consult a scholar

Consult a qualified scholar for personal circumstances, disputed asset treatment, complex ownership, inheritance, or uncertainty about the methodology you follow.

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Sources

  1. Quran 9:103 — giving from wealthPublisher: Quran.com · Accessed 2026-07-29 · Verification: verified
  2. Online Zakat Calculator methodologyPublisher: Online Zakat Calculator · Accessed 2026-07-29 · Verification: verified
  3. Online Zakat Calculator source policyPublisher: Online Zakat Calculator · Accessed 2026-07-29 · Verification: verified