Muslim Money Talk

This episode is brought to you by Kestrl - the app helping Muslims to spend, store and grow their wealth without compromise!📲 Download today on App Store and Google Play here: https://kestrl.io/get-the-appShould Muslims be all in on Bitcoin — or are we taking it too far? In this episode of Muslim Money Talk, host Areeb Siddiqui is back in Riyadh with Morrad Irsane, co-founder & CEO of Takadao, to unpack how Web3 is being used to reinvent Islamic insurance, and to have a frank, animated debate about Bitcoin, crypto and where Muslims should really be putting their money.⏱️ TIMESTAMPS0:00 Trailer & Intro1:48 Back in Riyadh — and why Makkah is becoming a startup city3:38 What is Takadao? Decentralised Islamic insurance explained5:03 How the LifeDAO family protection fund actually works6:17 Donator and receiver: bringing Takaful back to its purest model8:02 Why every Western "halal" insurer ends up compromising9:58 Killing the conflict of interest: how a DAO removes the middleman11:17 Deny, delay, defend — how traditional insurers avoid paying out12:54 Who controls the money? Voting rights and nine elected members15:08 Why Takadao takes 25% — and what the Takaful standards actually allow17:47 Do you get your money back? Surplus, sadaqah and double reward21:04 The real gap: what happens to a family after the janazah23:56 Stablecoins, USDC and the no-bank crypto card27:56 How halal yield is generated: liquidity provisioning explained32:04 Is this just FX trading? The Sharia distinction that matters34:19 The Bitcoin debate: is it money, digital gold, or neither?38:34 "You don't own Bitcoin" — ETFs, Binance, Revolut and real ownership41:37 Why Bitcoin maximalism is a cult — and why there's no maxi in Islam50:02 If not Bitcoin, then what? Smart contracts and reviving Mudaraba1:00:18 Are Muslims ready for web3? Regulators, remittances and the no-bank vision1:06:48 Where to find Takadao1:07:29 Outro💚 If Muslim Money Talk has given you value, please hit SUBSCRIBE, ring the bell, and drop us a comment — it genuinely helps us grow.⚠️ This episode discusses cryptocurrency, insurance and investing for educational purposes only and is not financial advice. Always do your own research and consult a qualified professional before making financial decisions.#IslamicFinance #Bitcoin #HalalCrypto #Takaful #IslamicInsurance #Web3 #Muslims #Crypto #MuslimMoneyTalk #Kestrl #Takadao #DeFi

📱 This episode is brought to you by Kestrl — the app helping Muslims spend, save, and grow their wealth without compromise. Order your watermelon-themed debit card, earn Sharia-compliant rewards, and screen your spending against your values. Download on the App Store or Google Play. https://kestrl.io/Do British Muslims have a crisis in belonging? In the season two premiere of Muslim Money Talk, host Areeb Siddiqui sits down with Sadiq Dorasat — Forbes 30 Under 30, founder & CEO of Muslim Census, and product lead at StrideUp — to unpack the findings of Muslim Census's new report, "Crisis in Belonging."Ten years ago, 9 in 10 Muslims felt a strong sense of belonging in the UK. Today it's just over 1 in 2 — and only 8% feel positive about the country's future. We dig into what's driving that collapse, why 43% of Muslims are relying on credit to cover everyday expenses, the surprising link between Islamic mortgages and belonging, and whether Muslims are really thinking about leaving.⏱️ TIMESTAMPS0:00 Trailer1:04 Intro3:52 The new report: "Crisis in Belonging"4:25 From 90% to 50% — the collapse in belonging8:00 Does Sadiq personally feel he belongs?9:54 The most surprising findings11:56 Do Muslims really earn 48% more?13:06 Are British Muslims actually thinking of leaving?14:41 The shift in where Muslims give their zakat15:59 Can these surveys be weaponised by the far right?23:25 Why he started Muslim Census29:03 A career across Islamic finance: HSBC to StrideUp32:07 The biggest gaps: insurance and microfinancing38:03 Advice for Kestrl: just ship40:49 Islamic mortgages — why they cost more45:20 Rapid fire: conventional or Islamic to start?49:56 Optimistic for the next generation?4:04 How Sadiq uses AI in product59:21 Do Muslims really belong in the UK?💚 If Muslim Money Talk has given you value, please hit SUBSCRIBE, ring the bell, and drop us a comment — it genuinely helps us grow.#BritishMuslims #IslamicFinance #MuslimCensus #CrisisInBelonging #HalalMortgage #CostOfLiving #MuslimMoneyTalk #Kestrel #StrideUp #IslamicMortgage

This episode is brought to you by Kestrl - the app helping Muslims to spend, store and grow their wealth without compromise!📲 Download today on App Store and Google Play here: https://kestrl.io/get-the-appRecorded live in front of an audience at Muslim Tech Fest. This episode asks whether the UK can actually become the global capital of Islamic finance — why halal home finance still costs 2% more than a conventional mortgage, why liquidity is the real bottleneck, and what it took to get the first partnership between an Islamic bank and an Islamic fintech over the line. Guest experts: Raza Ullah, founder & CEO of Pfida, and Hamdi Abdullah, General Manager of Maybank UKThis podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise. Download our app and order your card here: https://kestrl.io/⏱️ TIMESTAMPS0:00 Intro: is Islamic finance really Islamic?1:20 Meet the panel: Pfida, Maybank and Kestrl2:05 £1m in 15 weeks — and why the UK may be the best place in the world to do Islamic finance5:35 Ten years in: how UK Muslims got educated on riba7:58 Why Muslim-majority markets use Islamic finance less than we do10:20 The 2% problem: why halal home finance costs more11:42 Liquidity is the real bottleneck — and why Maybank partnered instead of going it alone13:20 Pfida: built by the community, for the community15:20 Community money vs institutional money: the case for a hybrid17:28 What success looks like in 5–10 years19:50 Do we even call it Islamic? ESG, participation banking and silent dawah22:08 Competition, Hajj and how big this market actually is23:59 "Don't become a bank" — and will other Islamic banks follow Maybank?25:55 Europe, France and why North America excites us more29:46 Debanking, masjids and the case for business banking31:23 Consolidation, exits and protecting the mission34:19 Where should a Muslim charity put £1 million?40:10 Do VCs want Islamic fintech — and do we want them?43:09 What's next: Sharia-compliant insurance and credit cards#IslamicFinance #IslamicFintech #MuslimMoneyTalk #HalalInvesting #Maybank #Pfida #MuslimTechFest #HalalMortgage #FinancialLiteracy #MuslimPodcast #Kestrl

This episode is brought to you by Kestrl - the digital bank helping to grow your wealth without compromise!📲 Download today on App Store and Google play here: https://kestrl.io/get-the-appThis episode dives into financial compatibility before marriage, the realities of Mahr, prenups, and how unspoken financial expectations can lead to divorce.Guest experts:Sannah Khan & Dr. Mohammed SinanAML Finance insta page:https://www.instagram.com/aml.finance?igsh=MWN1YnY4enMzcnJwMQ==This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise.Become a lifetime user of our new digital bank here: https://kestrl.io/⏱️ TIMESTAMPS0:00 "Her money is her money and his money is hers"0:56 Intro2:06 How they both ended up in finance5:32 Solutions in search of a problem — why Amal exists7:04 What financial abuse actually looks like9:57 The three-step framework12:23 The £70bn report — and how they met15:49 "If your salary doubled tomorrow, what would you do?"18:56 He earns £150k and won't let her stop working21:42 "My Situationship with Money" — the card game26:06 "Her money is her money" — where did it come from?29:31 Bollywood, borrowed expectations and the checklist problem33:40 What "provision" actually means35:32 Is mahr a gift or an exit plan?37:39 The nikah that wasn't registered — and cost her everything40:56 £50k weddings and the debt that follows46:21 High-earning sisters who can't find a match50:42 Work out the life you want first53:12 What is a career actually for?57:49 "Do people ever ask you about second wives?"1:00:44 Joint accounts — how to actually do it1:04:58 Final advice + the one-day intensive1:06:26 Outro#MuslimMarriage #IslamicFinance #MarriageAdvice #MuslimMoneyTalk #FinancialLiteracy #MoneyAndMarriage #Mahr #MuslimPodcast #Prenup #AmalFinance #Kestrl

In this episode of Muslim Money Talk, Areeb Siddiqui sits down with Moulana Tahir Talati (Islamic scholar, finance professional, and co-founder of National Waqf) to explore one of the most powerful yet forgotten concepts in Islamic finance: the Waqf (charitable endowment).📱 This episode is brought to you by Kestrl — the app helping Muslims spend, save, and grow their wealth without compromise. Order your watermelon-themed debit card, earn Sharia-compliant rewards, and screen your spending against your values. Download on the App Store or Google Play. https://kestrl.io/Timestamps00:00 – Teaser: Why Do Mosques with Millions Still Fundraise for Bills?01:20 – Sponsor: Kestrl – The Muslim Money App01:56 – Welcome & Introducing Molana Taher Talati03:14 – Molana Taher’s Journey: Combining Traditional Alimiyyah & Finance04:59 – The Problem with Modern Charity & How National Waqf Was Born07:34 – What is a Waqf? Linguistic & Legal Definition09:14 – Asset-Based vs. Usufruct Waqf: How Endowments Actually Work10:40 – Moving from One-Off Donations to Sustainable, Perpetual Giving13:08 – The Prophetic Vision: Hadith of Umar (RA) & Historical Origins16:00 – The Waqf of the Sahabah & The 1,400-Year Legacy of the Well of Uthman (RA)19:18 – Ibn Battuta’s Travels: The Peak of Waqf & Creative Endowments24:50 – How Colonial Powers Systematically Dismantled Waqf in Algeria & India30:30 – The Attack on Family Waqfs & The Loss of Community Independence33:38 – Modern Endowments: How the West Took the Waqf Model37:15 – Did Oxford, Cambridge & Western Trusts Originate from Waqf?40:05 – Inside the National Waqf Model: 50/50 Growth & Grant Reinvestment45:49 – The 6 Priority Areas for Empowering UK Muslims49:32 – Housing, Student Finance & Muslim Financial Empowerment52:22 – Could the UK Government Adopt an Endowment-Style Sovereign Wealth Fund?57:30 – Shifting from First-Generation Survival to Strategic Community Institutions01:00:17 – The UK Waqf Summit & Integrating Islamic Fintech01:03:10 – The Mosque Dilemma: Helping Masajid Build Endowments01:08:40 – Q&A: Property Strategy & Risk-Averse Shariah Investments01:10:12 – Family Waqfs & The Private Endowment (100% Donation Policy)01:14:11 – The Power of Pooled Investments & Overcoming Duplication01:20:23 – Social Investments: How Mosques Can Fund Each Other01:25:35 – Digital Banking for Charities & The Future of Kestrl01:28:28 – Outro & Final Thoughts#islamicfinance #waqfboard #halalinvestment #sadaqahjariyah #money #investment