وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا
“Allah has permitted trade and prohibited usury.” (Al-Baqarah 2:275)
Two rulings are evident from the wording itself:
Aḥalla Allāhu al-bayʿ: trade is permitted.
Ḥarrama al-ribā: riba is prohibited.
These straightforward meanings require no elaborate linguistic analysis. For that reason the verse serves as an example of zahir. Whether a particular transaction legally qualifies as a sale or as riba may, of course, require further legal analysis.