The Qur’ānic Banking Model (QBM) proposes a structurally simplified alternative to contemporary Islamic banking by eliminating interest, lending, and benchmark-based pricing. Grounded in the economic logic of Qur’an 2:276, the model interprets riba as a circulation-reducing force and charity as a circulation-enhancing mechanism.
By embedding partnership investment, asset backing, and charitable circulation incentives directly into its architecture, QBM presents a coherent framework for monetary stability and digitally native, interest-free finance.