Assessing Crypto-Zakat’s Legal and Sharia Validity in Indonesia’s Digital Economy

https://doi.org/10.35912/bukhori.v5i2.5336
Published: Jan 15, 2026

Abstract:

Purpose: This study investigates the legal and Sharia perspectives on the use of cryptocurrency in Indonesia’s digital economy, with a focus on its potential application for zakat payments.

Methodology/Approach: The study adopts a legal-normative and doctrinal approach, analyzing Indonesian regulations and fatwas from major Islamic organizations. Secondary sources, including academic articles and classical Islamic jurisprudence, are reviewed to understand the intersection of cryptocurrency with both legal frameworks and Sharia law.

Results/Findings: The findings reveal that while Indonesian law acknowledges cryptocurrency as a digital asset, it is not recognized as legal tender. In terms of Sharia law, there are differing opinions, with some Islamic scholars viewing cryptocurrency as haram due to the uncertainty (gharar) involved, while others accept it as a permissible asset if backed by tangible goods. However, the use of cryptocurrency for zakat payments is not authorized, though crypto-assets themselves could be subject to zakat if they meet specific conditions.

Conclusion: For cryptocurrency to be utilized for zakat, a comprehensive regulatory framework aligning both legal and Sharia principles must be established. Close collaboration among legal authorities, religious scholars, and zakat institutions is crucial.

Limitations: The study is based on a theoretical analysis and lacks empirical data from zakat institutions, which limits its applicability in real-world scenarios.

Contribution: This research adds to the field of Islamic digital finance by offering a dual legal-religious perspective and providing recommendations for the integration of cryptocurrency into Indonesia’s zakat system.

Keywords:
1. Crypto Asset
2. Crypto Currency
3. Crypto Zakat
4. Digital Asset
5. Indonesia Zakat
Authors:
1 . Ahmad Syathiri
2 . Fera Widyanata
3 . Farida Kumalasari
4 . Dr.Heru Wahyudi
https://orcid.org/0000-0002-4584-8078
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How to Cite
Syathiri, A. ., Widyanata, F., Kumalasari, F., & Wahyudi, H. (2026). Assessing Crypto-Zakat’s Legal and Sharia Validity in Indonesia’s Digital Economy. Bukhori: Kajian Ekonomi Dan Keuangan Islam, 5(2), 11–22. https://doi.org/10.35912/bukhori.v5i2.5336
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Vol. 5 No. 2 (2026): January
Articles
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