Novo.co Reviews

Based on checking the website, Novo.co presents itself as a modern fintech platform designed to simplify banking for small businesses, freelancers, and entrepreneurs.

It aims to offer a seamless financial management experience, integrating various tools to help businesses streamline their operations.

While the platform emphasizes ease of use, invoicing, budgeting, and funding, a critical look reveals that some of its core offerings, particularly related to “Hassle-Free Funding,” involve interest-based financial products, which are impermissible in Islamic finance due to the prohibition of Riba interest. For any Muslim business owner, engaging with such interest-bearing mechanisms, whether for loans or investments, is to be avoided.

Instead, pursuing ethical, Sharia-compliant alternatives is not only a matter of faith but also a path to genuine blessings and sustainable growth, far removed from the inherent instability and injustice of interest-based systems.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Novo.co Review & First Look

Novo.co positions itself as a digital banking solution tailored for the modern entrepreneur, offering a suite of features designed to simplify financial management. Upon a first look at their website, the platform appears sleek, user-friendly, and geared towards efficiency. They highlight a focus on free business checking accounts, easy invoicing, intuitive budgeting, and real-time insights. The overall presentation suggests a commitment to helping small businesses thrive by removing traditional banking hurdles. However, for a Muslim entrepreneur, the term “Hassle-Free Funding” immediately raises a red flag, as this often implies conventional lending with interest.

• Key Design Principles:
  • Simplicity: The interface seems designed for minimal friction, emphasizing quick setup and easy navigation.
  • Integration: A strong point is their claim of integrating with other business tools, creating a centralized financial hub.
  • Focus on Small Business: The marketing is clearly aimed at consultants, freelancers, self-employed individuals, and small businesses, addressing their specific pain points.
• Initial Impression: The website provides a professional and trustworthy facade, emphasizing FDIC insurance and bank-level encryption. Customer testimonials are prominently displayed, highlighting ease of use and the absence of traditional fees, which can be appealing to many. However, the underlying financial models need careful scrutiny through an Islamic lens.

Novo.co Pros & Cons

When evaluating Novo.co, it’s crucial to weigh its advertised benefits against potential concerns, particularly from an Islamic financial perspective.

Pros from a conventional business standpoint:

• Free Checking Account: One of the most attractive features is the offer of a free business checking account with no monthly fees or minimum balance requirements. This can significantly reduce overhead for small businesses.
  • Data Point: Many traditional banks impose fees of $10-$25 per month for business checking accounts, making Novo’s no-fee approach a compelling alternative for cost-conscious entrepreneurs.
• User-Friendly Interface: Testimonials and website design suggest a highly intuitive platform, simplifying tasks like invoicing and budgeting.
• Integration with Business Tools: Novo advertises seamless integration with popular tools like QuickBooks, Xero, Stripe, and Shopify. This promises to centralize financial data and streamline workflows.
  • Statistic: A survey by QuickBooks found that businesses using integrated accounting software can save up to 40% in administrative time.
• Mobile App Functionality: The availability of a robust mobile app for managing finances on the go is a significant advantage for busy entrepreneurs.
• FDIC Insured Deposits: Funds are insured up to $250,000 through their partner bank, Middlesex Federal Savings, offering a layer of security.

Cons with a focus on Islamic impermissibility:

• Interest-Based Funding Riba: The most significant drawback for Muslim users is the “Hassle-Free Funding” option. While details on the homepage are limited, such funding typically involves interest-based loans or lines of credit, which are explicitly forbidden haram in Islam due to the prohibition of Riba.
  • Islamic Principle: The Quran explicitly condemns Riba in verses such as Al-Baqarah 2:275-276, stating that Allah destroys interest and gives increase for charities.
• Lack of Sharia Compliance: The platform does not appear to be Sharia-compliant in its overall financial structure. Even if individual features like invoicing are permissible, the underlying framework and potential for interest-bearing transactions make it problematic.
• Potential for Financial Entanglement: Engaging with a platform that offers interest-based funding, even if one doesn’t directly use that specific feature, can subtly normalize Riba and lead to unintended financial entanglement.

Novo.co Features

Novo.co offers a range of features aimed at streamlining business finances.

While some features are purely administrative and permissible, others need careful consideration for their underlying financial principles.

• Free Checking Account:
  • Details: No monthly fees, no minimum balance, and unlimited transactions. This is a core offering to attract small businesses.
  • Mechanism: Funds are held with their partner bank, Middlesex Federal Savings, F.A., Member FDIC.
• Easy Invoicing:
  • Functionality: Allows users to create, send, and track invoices directly from the platform. It supports customization with logos and integration with payment processors.
  • Benefit: Simplifies the process of getting paid, providing insights into payment statuses.
• Intuitive Budgeting:
  • Capability: Helps businesses categorize expenses, set budgets, and track spending to manage cash flow effectively.
  • Approach: Aims to provide a clear overview of financial health, enabling better financial planning.
• Real-Time Insights:
  • Data Access: Offers dashboards and reports that provide up-to-the-minute information on account balances, transactions, and spending patterns.
  • Purpose: Empowers business owners to make informed financial decisions quickly.
• Hassle-Free Funding:
  • Description: Advertised as “fast, flexible cash when you need it.” This is typically where interest-based lending products, such as lines of credit or term loans, are offered.
  • Islamic Concern: This feature is the primary point of concern for Muslim users due to the high likelihood of Riba involvement. While specific terms aren’t detailed on the homepage, the general nature of such offerings in conventional finance points to interest.
• Tool Integration:
  • Ecosystem: Connects with popular business tools like Stripe, PayPal, Shopify, QuickBooks, Xero, and more.
  • Advantage: Creates a unified financial management ecosystem, reducing manual data entry and improving efficiency.
• Security Measures:
  • Protection: Emphasizes FDIC insurance for deposits up to $250,000 and bank-level encryption for data security.
  • Fraud Alerts: Provides real-time fraud alerts and the ability to freeze cards with a few taps.

Novo.co Pricing

Novo.co distinguishes itself with a very straightforward pricing model, primarily centered around its “free” offerings.

• Core Offering:
  • Free Business Checking Account: This is the flagship product, advertised as having no monthly fees, no minimum balance requirements, and no hidden fees for standard transactions. This is a significant draw for startups and small businesses looking to minimize operational costs.
  • ATM Fee Refunds: Novo states they refund all ATM fees at the end of each month, which is a considerable perk for businesses that deal with cash.
• Other Services:
  • Invoicing and Budgeting Tools: These are typically included as part of the free account features, not separate paid add-ons.
  • Integrations: Access to integrations with other business tools is also generally included without additional fees from Novo’s side, though the integrated services themselves may have their own pricing structures.
• Potential Costs Riba-related:
  • Funding Options: While the checking account itself is free, the “Hassle-Free Funding” options, if utilized, would almost certainly come with interest charges. These would be the primary “cost” from an Islamic perspective, as Riba is considered a grave sin. The platform does not explicitly detail these costs on the homepage, but the nature of such services in conventional finance makes this an almost certainty.
  • Analogy: Imagine a service that offers free general tools but then pushes you to take out a loan with interest to “grow.” The core tool might be free, but the incentivized “growth” mechanism is problematic.

For a Muslim business owner, the “free” aspect of the checking account might seem appealing initially.

However, the presence of interest-based funding options on the same platform necessitates extreme caution.

The perceived benefit of “free” operational banking services must be weighed against the significant spiritual and ethical cost of being associated with or tempted by Riba-based products.

Novo.co Alternatives

Given the concerns surrounding interest-based funding and the general non-Sharia-compliant nature of conventional fintech platforms like Novo.co, it is essential for Muslim entrepreneurs to seek out truly ethical and permissible alternatives.

These alternatives focus on honest trade, profit-sharing, and interest-free mechanisms.

• 1. Islamic Banks and Financial Institutions:
  • Concept: These institutions operate strictly under Sharia principles, avoiding Riba, Gharar excessive uncertainty, and Maysir gambling. They offer compliant alternatives for business accounts, financing, and investments.
  • Services:
    • Halal Business Checking Accounts: Often structured as current accounts Qard Hassan or Mudarabah accounts profit-sharing, though less common for checking.
    • Murabaha Cost-Plus Financing: For purchasing assets equipment, inventory where the bank buys the asset and sells it to the client at a mark-up. This is a sales contract, not a loan.
    • Musharakah/Mudarabah Partnership/Profit-Sharing: For larger projects or ongoing business finance, where the bank shares in the profits and losses.
    • Ijarah Leasing: For equipment or property, structured as a lease agreement.
  • Examples: Institutions like Guidance Residential for home financing, American Finance House LARIBA for various financing needs, and Islamic banks in countries where they are established e.g., Al Rajhi Bank in Saudi Arabia, Dubai Islamic Bank in UAE. While dedicated Islamic business banks in the US are still developing, some credit unions or niche financial services are emerging.
• 2. Community-Based Interest-Free Loan Funds Qard Hassan:
  • Concept: Many Muslim communities establish funds that offer interest-free loans Qard Hassan to individuals and small businesses. These loans are typically repaid without any additional charge.
  • Benefit: Directly addresses the need for funding without involving Riba. They rely on donations and community support.
  • Accessibility: May have specific eligibility criteria and limited funding compared to conventional banks, but they represent a pure, permissible option.
• 3. Ethical Crowd-funding Platforms Equity-Based:
  • Concept: Platforms that facilitate investment in businesses in exchange for equity ownership shares rather than debt with interest. This aligns with Islamic principles of profit-sharing and risk-sharing.
  • Examples: While not exclusively Sharia-compliant, some mainstream equity crowdfunding platforms can be used if the underlying business and the investment structure are verified as permissible. Look for platforms that explicitly deal in equity, not debt.
• 4. Bartering and Direct Trade:
  • Concept: Returning to fundamental principles of direct exchange of goods and services. While not a complete banking solution, it can reduce the need for external financing in certain contexts.
• 5. Self-Funding and Organic Growth:
  • Concept: Prioritizing internal cash flow and reinvesting profits for growth. This is the most independent and intrinsically permissible form of business expansion.
  • Strategy: Requires careful budgeting, disciplined spending, and a focus on profitability from day one.
• 6. Local Credit Unions Careful Vetting:
  • Concept: Some credit unions may offer more flexible or community-focused banking services. While most still operate conventionally, a thorough inquiry might reveal specific products that are less problematic, though Riba remains the core issue.
  • Caution: Requires meticulous vetting of every product and service to ensure no hidden interest or impermissible elements.

For any Muslim individual or business, the pursuit of financial solutions must always prioritize adherence to Islamic principles.

How to Cancel Novo.co Subscription

While Novo.co primarily operates on a “free” business checking account model, understanding how to close the account or cancel associated services is crucial for any user, particularly for those seeking to transition to Sharia-compliant alternatives.

Since there isn’t a traditional “subscription” fee for their core offering, “canceling a subscription” typically means closing your business checking account with Novo.

• 1. Withdraw Funds: Before initiating the cancellation process, ensure that all funds from your Novo business checking account have been transferred out.
  • Method: You can typically transfer funds via ACH to another bank account. Allow a few business days for the transfer to clear.
  • Recommendation: Keep a record of all transactions and account balances for your financial records.
• 2. Disconnect Integrations: If you have integrated Novo with other business tools e.g., QuickBooks, Stripe, Shopify, disconnect these integrations first to prevent any issues with ongoing transactions or data flow.
  • Steps: Log into your respective integrated platforms and remove Novo as a connected bank account.
• 3. Contact Novo Support: The most direct way to close your account is to contact Novo’s customer support.
  • Channels:
    • In-App Chat: Novo often emphasizes its in-app support as the primary communication channel.
    • Email: Look for a dedicated support email address on their website e.g., [email protected].
    • Phone Less Common: While some fintechs are primarily digital, check if a support phone number is available for account closure requests.
  • What to State: Clearly communicate your intention to close your business checking account. They may ask for a reason for closure, which you can provide or state that you are seeking alternatives.
• 4. Confirm Account Closure: After submitting your request, follow up to ensure the account has been officially closed.
  • Verification: Novo should send you a confirmation email once the account is completely closed. Keep this for your records.
  • Timeline: Account closure can take a few business days, depending on any pending transactions or internal processes.
• Important Considerations:
  • Outstanding Invoices: Ensure any outstanding invoices sent via Novo’s invoicing tool are settled or managed through another platform.
  • Recurring Payments: If you have any recurring payments or direct debits linked to your Novo account, update these with your new bank account details before closing the Novo account to avoid service interruptions.

For Muslim entrepreneurs, this process is not just about financial management but also about systematically disengaging from any financial ecosystem that has elements of Riba, even if indirectly.

The intention should be clear: to purify one’s financial dealings and align them fully with Islamic principles.

How to Cancel Novo.co Free Trial

Novo.co’s primary offering is a free business checking account, so the concept of a “free trial” in the traditional sense for the banking service itself doesn’t directly apply. Users sign up for the free account directly.

However, if Novo offers any premium features, integrations, or partnerships that might have had a trial period, the cancellation process for those specific elements would generally follow similar steps to canceling a subscription or an account.

• 1. Identify the Specific Service: Determine which particular feature or integrated service you are on a “free trial” for. Novo partners with various businesses, and some of these partners might offer trial periods for their services when accessed through Novo.
• 2. Check Service-Specific Terms: Navigate to the settings or subscription management section within the Novo app or website. For third-party integrations, you might need to log into the partner service directly. Look for terms related to trial periods, auto-renewal, and cancellation policies.
• 3. Disconnect/Unsubscribe:
  • Within Novo: If the trial is for a Novo-specific premium feature which is not commonly advertised on their homepage, there should be an option to disable it or downgrade your plan in your account settings.
  • Third-Party Partner: If the trial is with one of Novo’s partners e.g., a specific accounting software trial you accessed via Novo’s perks, you will almost certainly need to cancel directly through that partner’s platform or by contacting their support.
• 4. Contact Support if Unclear: If you cannot find a clear cancellation option within the app or website, contact Novo’s customer support via in-app chat or email for guidance. Explain precisely which “free trial” you wish to cancel.
• 5. Confirm Cancellation: Ensure you receive a confirmation email or message that the trial has been canceled and you will not be charged. Set a reminder for yourself before the trial period ends to avoid unwanted charges.

For a Muslim seeking to maintain financial purity, this is a part of diligent stewardship.

Even seemingly innocuous “free trials” linked to conventional financial systems can subtly lead to exposure to impermissible dealings, especially if they transition into paid services that are not Sharia-compliant.

Proactive management and swift cancellation of anything that deviates from Islamic principles are crucial.

Novo.co vs. Traditional Banks

Comparing Novo.co to traditional banks reveals distinct advantages and disadvantages, especially when viewed through the lens of Islamic financial principles.

• 1. Fees and Accessibility:
  • Novo.co: Offers a free business checking account with no monthly fees or minimum balances. It’s a digital-first platform, meaning easy online setup without needing to visit a physical branch. This is highly appealing for remote businesses and startups.
  • Traditional Banks: Often have complex fee structures, including monthly maintenance fees unless certain balance requirements are met, ATM fees, and transaction limits. Account opening typically requires an in-person visit or extensive paperwork.
  • Islamic View: The absence of direct fees for the checking account is a conventional “pro.” However, the convenience should not overshadow the fundamental impermissibility of interest-based funding options that often accompany such platforms.
• 2. Funding Options:
  • Novo.co: Advertises “Hassle-Free Funding,” which in conventional finance almost invariably means interest-based loans, lines of credit, or cash advances.
  • Traditional Banks: Are the primary source of conventional, interest-bearing loans Riba. This is their core business model.
  • Islamic View: Both Novo.co and traditional banks generally present significant issues here due to Riba. For a Muslim, seeking funding from either unless it’s explicitly structured as a Sharia-compliant product e.g., Murabaha, Musharakah is impermissible.
• 3. Technology and Integrations:
  • Novo.co: Is built on modern fintech architecture, offering robust mobile apps, real-time insights, and seamless integrations with popular business tools Stripe, QuickBooks, Shopify. This digital-first approach enhances efficiency.
  • Traditional Banks: While many traditional banks have improved their digital offerings, they often lag behind fintechs in terms of user experience, modern integrations, and real-time analytics. Legacy systems can be a hindrance.
  • Islamic View: The technological superiority of fintechs like Novo.co is a convenience. However, convenience alone cannot override fundamental religious prohibitions. A technologically advanced platform offering impermissible services is still impermissible.
• 4. Customer Service:
  • Novo.co: Primarily relies on in-app chat and email support. While often responsive, it lacks the personal touch of a dedicated branch representative.
  • Traditional Banks: Offer a mix of online, phone, and in-person branch support. For some, the ability to visit a physical branch and speak to a banker is a significant advantage.
  • Islamic View: Customer service effectiveness is a practical consideration, but not one that dictates permissibility.
• 5. Security and Regulation:
  • Novo.co: Deposits are FDIC insured through their partner bank, and they emphasize bank-level encryption and fraud alerts. As a fintech, they are regulated by the banking partner.
  • Traditional Banks: Are heavily regulated by federal and state authorities FDIC, Federal Reserve, OCC, offering robust consumer protections.
  • Islamic View: Security is a shared benefit. However, the fundamental issue remains the underlying financial model.

In summary, while Novo.co offers a modern, low-fee, and convenient banking experience that surpasses many traditional banks in terms of user-friendliness and integrations, its potential involvement in interest-based funding makes it largely unsuitable for a Muslim entrepreneur seeking to adhere strictly to Islamic financial principles.

The convenience cannot justify engagement with Riba.

The ethical choice is always to seek out Sharia-compliant financial institutions and services.

How to Switch to a Sharia-Compliant Alternative

For a Muslim entrepreneur currently using a conventional banking service like Novo.co or a traditional bank, the process of transitioning to a Sharia-compliant alternative is a strategic move to ensure financial dealings align with Islamic principles. This involves careful planning and execution.

• 1. Research Sharia-Compliant Options:
  • Identify Institutions: Look for certified Islamic banks, Takaful Islamic insurance providers, Sharia-compliant investment funds, and community-based interest-free loan initiatives Qard Hassan in your region.
  • Verify Compliance: Don’t just rely on a name. Investigate their Sharia advisory board, their product offerings, and how they ensure compliance. Ask for documentation or certifications.
  • Consider Needs: Determine what specific services your business requires checking, financing, payroll, international transfers and find a compliant alternative that meets those needs.
  • Data Point: As of 2023, the global Islamic finance industry is projected to reach $4 trillion by 2026, indicating a growing array of Sharia-compliant options.
• 2. Open New Accounts:
  • Initiate Setup: Begin the process of opening new business checking accounts, savings accounts, and any other necessary financial instruments with your chosen Sharia-compliant institution.
  • Understand Terms: Carefully review the terms and conditions of these new accounts, especially concerning profit-sharing Mudarabah, current accounts Qard Hassan, and any administrative fees. Ensure they are free from Riba.
• 3. Update All Financial Connections:
  • Payments & Payroll: Change all incoming payment routes e.g., client payments, e-commerce payouts to your new Sharia-compliant account. Update payroll details for employees and contractors.
  • Bills & Subscriptions: Update all outgoing recurring payments, direct debits, and subscriptions utilities, software, rent, vendor payments to draw from your new account.
  • Integrations: If your new institution offers integrations, connect them to your business software accounting, CRM. If not, plan for manual reconciliation or alternative data entry.
  • Statistic: On average, a small business has 5-7 recurring bills linked to its primary bank account. Changing these requires meticulous attention to detail.
• 4. Transfer Funds:
  • Gradual Transfer: Once your new accounts are fully operational and connections updated, begin transferring funds from your old conventional account to your new Sharia-compliant one.
  • Leave Buffer: Keep a small balance in the old account for a short period to catch any missed recurring payments or unexpected deposits.
• 5. Close Old Accounts:
  • Confirm Zero Balance: Ensure the conventional account has a zero balance and no pending transactions.
  • Contact Bank: Follow the formal procedures for closing the account with Novo.co or your traditional bank as outlined in the “How to Cancel Novo.co Subscription” section.
  • Obtain Confirmation: Get written confirmation of the account closure for your records.
• 6. Educate Yourself and Your Team:
  • Continuous Learning: Continuously educate yourself on Islamic finance principles to ensure ongoing compliance in all future financial decisions.
  • Team Awareness: If you have a team, ensure they understand the importance of Sharia compliance in financial operations to avoid unintentional Riba.

Switching to a Sharia-compliant financial ecosystem is a transformative step for a Muslim business, bringing immense barakah blessings and peace of mind.

It’s an investment in both your worldly success and your Akhirah hereafter.

Frequently Asked Questions

What is Novo.co?

Based on looking at the website, Novo.co is a fintech platform that offers business banking services specifically designed for freelancers, startups, and small businesses.

It provides a free business checking account, invoicing tools, budgeting features, and integrations with other business software.

Is Novo.co a bank?

No, Novo.co is a fintech company, not a bank.

It provides banking services through its partner bank, Middlesex Federal Savings, F.A., which is Member FDIC.

This means your deposits are insured up to $250,000. Dscarriers.co.uk Reviews

Are there any monthly fees for Novo.co?

Based on the website, Novo.co advertises that its core business checking account has no monthly fees and no minimum balance requirements.

How does Novo.co make money if the checking account is free?

Novo.co likely earns revenue through interchange fees when customers use their debit cards, fees from premium services if offered, though not prominently advertised on the homepage for core banking, and potentially through partnerships for “Hassle-Free Funding” which would involve interest.

Is Novo.co Sharia-compliant?

No, based on its “Hassle-Free Funding” feature which typically involves interest-based loans or lines of credit, Novo.co is not Sharia-compliant.

Muslims should avoid platforms that deal in Riba interest.

What are the main features of Novo.co?

The main features include a free business checking account, easy invoicing, intuitive budgeting tools, real-time insights, integrations with popular business apps e.g., Stripe, QuickBooks, and “Hassle-Free Funding.” Pogoskill.com Reviews

Can I deposit cash with Novo.co?

Based on common fintech limitations, Novo.co does not typically offer direct cash deposits through physical branches.

Users usually deposit cash by converting it to a money order and then depositing it, or by transferring funds from another bank account.

How do I open a Novo.co account?

Based on the website, you can open a Novo.co account online through their website by clicking “Get Started” and following their application process. It emphasizes an easy and seamless setup.

Does Novo.co offer loans or lines of credit?

Yes, Novo.co advertises “Hassle-Free Funding,” which in conventional finance typically refers to interest-based loans or lines of credit.

This feature is a concern for Muslims due to the prohibition of Riba. Highlandappliances.co.uk Reviews

Is my money safe with Novo.co?

Yes, your money is safe with Novo.co as deposits are FDIC insured up to $250,000 through their partner bank, Middlesex Federal Savings, F.A.

They also claim to use bank-level encryption and offer real-time fraud alerts.

How does Novo.co’s invoicing work?

Novo.co’s invoicing allows users to create, send, and track customized invoices directly from their platform, integrating with payment processors to help businesses get paid faster.

Can I integrate Novo.co with other business tools?

Yes, Novo.co emphasizes its ability to integrate with various business tools such as Stripe, PayPal, Shopify, QuickBooks, Xero, and more, aiming to centralize financial management.

What are some Sharia-compliant alternatives to Novo.co for business banking?

Better alternatives include Islamic banks and financial institutions that offer Murabaha, Musharakah, or Ijarah financing, community-based interest-free loan funds Qard Hassan, and equity-based crowdfunding platforms. Getcasely.com Reviews

How do I close my Novo.co account?

To close your Novo.co account, you typically need to withdraw all funds, disconnect integrations, and then contact Novo’s customer support often via in-app chat or email to formally request account closure.

Does Novo.co refund ATM fees?

Yes, Novo.co states on its website that it refunds all ATM fees at the end of each month, which is a significant perk for users who frequently withdraw cash.

Who is Novo.co best suited for?

Novo.co is best suited for freelancers, consultants, self-employed individuals, and small businesses that prefer digital banking, minimal fees, and integrated financial management tools.

However, for Muslims, the interest-based funding options present a serious ethical barrier.

Can I use Novo.co for international transactions?

The website mentions “send money safely,” but specific details on international transaction capabilities or associated fees are not prominently displayed on the homepage. Users should verify this with Novo.co’s support. Rheged.com Reviews

What customer support options does Novo.co offer?

Novo.co primarily offers customer support through in-app chat and email, emphasizing a digital-first approach to service.

Does Novo.co have a mobile app?

Yes, Novo.co offers a mobile app for both iOS and Android devices, allowing users to manage their business finances on the go.

Why should a Muslim entrepreneur avoid Novo.co’s “Hassle-Free Funding”?

A Muslim entrepreneur should avoid Novo.co’s “Hassle-Free Funding” because it almost certainly involves Riba interest, which is strictly forbidden in Islam.

Engaging with interest-based transactions leads to spiritual and ethical harm, and true barakah blessings are found in Sharia-compliant dealings.

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