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Swiss Islamic Finance

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Subject: Is income from my AI avatar business halal?
Question: Assalamu Alaikum, About one month ago, I started an online business using an AI-generated influencer/avatar on Instagram. The person shown in my profile picture, videos, and content is not a real human being. The character is completely generated using artificial intelligence and does not represent any existing person. Through this Instagram account, I share beneficial content about topics such as wealth management, personal development, good habits, productivity, and mindset. People interact with the content, leave comments, and benefit from it. I also created a digital e-book that contains information and advice related to investing, financial mindset, and personal development. I sell this e-book to my followers through the Instagram account. Recently, I made a sale and earned $15 from selling the e-book. If you want to check the AI influencer account, here is the link: https://www.instagram.com/richard_kane__/ My questions are: 1. Is it permissible (halal) for me to operate this AI-generated influencer business and earn money from selling my e-book through it? Or is this income considered haram? 2. Most people who see the account assume that the character is a real human being, even though I do not explicitly claim that it is real. I only clarify if someone directly asks. Is this considered deception (gharar or tadlees) in Islam? 3. If this business model is not permissible, what should I do with the income I have already earned? 4. Additionally, can I sell this Instagram account in the future? If I sell it, would the income from selling the account be considered halal or haram? Additional details: - The avatar/influencer is entirely AI-generated and does not exist in real life. - I do not explicitly claim that the AI character is a real person. - The content I share is beneficial, lawful, and intended to help people. - The product I sell is a digital e-book containing educational and motivational material.
1 like • 3d
@Muhammad Umar you're welcome
0 likes • 4h
@Muhammad Umar here the answer of our Shariah expert (background in investment banking in London and graduated from the University of Madina): May Allah swt reward you for taking the step in seeking clarification regarding your business venture as to whether it aligns with the principles of Allah's Shariah and that of the Prophet s.a.w's, specifically concerning the permissibility of your earnings. We seek Allah's guidance and strive to act with the utmost sincerity when offering naseeha, in good faith. May Allah forgive us all in our shortcomings. The below is a sincere attempt at answering your concerns. Anything good from it is solely from Allah SWT while any mistakes that may inadvertently occur are from us and we seek protection in Allah SWT from the evil within ourselves and ask for His forgiveness and guidance, ameen. 1. *The issue on AI Avatar:* While there is no known sharia concerns (Allah knows best) using an AI generated Avatar in and of itself - in the same way you would use a Profile picture/logo on a Social Media Account - there is however, an individual responsibility (Fard al 'ayn) upon the person to make themselves known to their audience (for instance, their name, professional & academic credentials, whether they are accredited by a Professional Body, and are in a Professional capacity to advise on specific matters e.g. Financial and Investment Advice, Personal Development). The question one needs to ask themselves is, why would they choose to not disclose their identity when they had set out to be an ' _*influencer*_ ' (i.e. a supposedly known figure) in the first place? What is the rationale behind this? If one has set out to spread khair, knowledge (especially where money matters) and thus to influence people in decision-making, why would they not make themselves known to their audience? It's imperative that the person revisits the intention and renew it where necessary - as per the prophetic hadith in: Every action is by their intention.
Next research newsletter coming soon
Back on June 9 I laid out the rotation from tech into financials and said it would bring the next major wave of capital into crypto. That’s no longer a forecast. It’s happening. Over the last month Financials have been one of the best performing sectors while tech has entered a technical bear market. Pull up the XLF and you’ll see the exact same story as crypto — a long base, coiled, starting to turn. That’s not a coincidence. Crypto isn’t a software stock and it never was. It’s primarily financial technology in its current form, and it moves with the financial sector, not the Nasdaq.
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Next research newsletter coming soon
What is important to understand
Very few people understand where we actually are in this cycle. Most people are treating it like a bear market bottom and will miss the right positioning and the right timing. As for where we stand today I really only see August window 9-17th and Sept 11th week as the only two dates to watch in q3 from here. These dates could be the high of the quarter but given that the low pushed out a bit further than I thought in June its likely september could be of more importance now than the august window. So possible the market will rally all the way into september from here. Either way its paramount to be aware of what I have been saying lately. this next wave will be the biggest thing crypto has ever seen. It’s really the first major cycle for alts since 2015-2017. If you truly break it down the last 7 years have been dominated by btc with most alt pairs only ever making lower highs. Now we have a setup where we are very likely looking at the tail end of a secular bull market for btc and the beginning of what will be only the second ever secular bull market in alts. Crypto is still a very young asset class and this setup has really only been present last time ETH went from $80 to 5k. Very high chance my 16k target will look very conservative a year from now
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What to watch this week
very key levels coming into play over these structures:
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What to watch this week
Rotation
Xlf Financials up big yesterday. Kbe bank etf record high on volume. More signs of rotation to financials
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Rotation
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We help Muslims grow wealth ethically in crypto, equities, and beyond.

Active 4h ago
Joined Nov 15, 2025
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