Riba al-fadl concerns a prohibited excess in a same-genus ribawi exchange. Riba al-nasiʾa concerns delay where an immediate exchange is required.
Case 1: 5 saʿ of wheat for 6 saʿ immediately — the excess problem.
Case 2: 5 saʿ today for 5 saʿ tomorrow — the deferment problem.
Case 3: 5 saʿ today for 6 saʿ tomorrow — both defects.
These are doctrinal categories, not automatic verdicts on every modern financial product carrying a similar label.
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Riba: Operative Causes, Unequal Exchange and Deferral
Riba al-fadl concerns a prohibited excess in a same-genus ribawi exchange. Riba al-nasiʾa concerns delay where an immediate exchange is required.
Case 1: 5 saʿ of wheat for 6 saʿ immediately — the excess problem.
Case 2: 5 saʿ today for 5 saʿ tomorrow — the deferment problem.
Case 3: 5 saʿ today for 6 saʿ tomorrow — both defects.
These are doctrinal categories, not automatic verdicts on every modern financial product carrying a similar label.