wallet-compliance-scanner

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Wallet Compliance Scanner

钱包合规扫描工具

Scan cryptocurrency wallets and tokens for Sharia compliance based on Islamic finance principles. Evaluate tokens, DeFi protocols, and wallet holdings for halal/haram status.

基于伊斯兰金融原则，扫描加密货币钱包和代币是否符合伊斯兰教法合规要求。评估代币、DeFi协议及钱包持仓的清真/非清真状态。

When to Use

适用场景

User asks if a crypto token or project is halal
User wants to scan their wallet for Sharia compliance
User wants to evaluate a DeFi protocol for Islamic permissibility
User asks about crypto staking, lending, or yield farming from a Sharia perspective

用户询问某加密代币或项目是否符合清真标准
用户希望扫描其钱包的伊斯兰教法合规性
用户希望评估某DeFi协议是否符合伊斯兰教法许可
用户从伊斯兰教法角度询问加密货币质押、借贷或收益耕作相关问题

How It Works

工作流程

Step 1: Get Wallet or Token Information

步骤1：获取钱包或代币信息

Ask the user for either:

Wallet address (EVM-compatible: Ethereum, BSC, Polygon, etc.)
List of token symbols (e.g., BTC, ETH, USDT, AAVE)
A specific project name (e.g., "Uniswap", "Compound")

向用户请求以下任意一种信息：

钱包地址（兼容EVM：以太坊、BSC、Polygon等）
代币符号列表（例如：BTC、ETH、USDT、AAVE）
特定项目名称（例如："Uniswap"、"Compound"）

Step 2: Run the Scanner

步骤2：运行扫描工具

bash

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bash

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Scan specific tokens

扫描特定代币

python scripts/scan_wallet.py --tokens BTC ETH USDT AAVE CAKE

Scan with JSON output

生成JSON格式输出

python scripts/scan_wallet.py --tokens BTC ETH --json

Run built-in tests

运行内置测试

python scripts/scan_wallet.py --test

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python scripts/scan_wallet.py --test

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Step 3: Screening Criteria

步骤3：筛查标准

Each token/protocol is evaluated against these Islamic finance principles:

每个代币/协议都会依据以下伊斯兰金融原则进行评估：

Riba (Interest/Usury)

Riba（利息/高利贷）

Does the protocol involve lending/borrowing with fixed interest?
Does staking involve guaranteed returns (riba-like)?
Are there interest-bearing mechanisms?

Examples of riba violations:

Lending platforms with fixed interest rates (Aave lending, Compound)
Interest-bearing stablecoins
Bonds / fixed-income tokens

协议是否涉及固定利息的借贷？
质押是否包含类似利息的保证收益？
是否存在生息机制？

违反Riba的示例：

采用固定利率的借贷平台（Aave借贷、Compound）
生息稳定币
债券/固定收益代币

Gharar (Excessive Uncertainty/Ambiguity)

Gharar（过度不确定性/模糊性）

Is the project overly speculative with no real utility?
Is the tokenomics unclear or deceptive?
Are smart contracts unaudited and opaque?

Examples of gharar concerns:

Pure meme coins with no utility
Projects with unrealistic promised returns
Unaudited, anonymous team projects

项目是否过度投机且无实际效用？
代币经济模型是否不清晰或具有欺骗性？
智能合约是否未经审计且不透明？

存在Gharar问题的示例：

无实际效用的纯模因币
承诺不切实际回报的项目
团队匿名且智能合约未经审计的项目

Maysir (Gambling)

Maysir（赌博）

Does the protocol facilitate gambling?
Are there lottery-like mechanisms?
Is the token used primarily for speculation/betting?

Examples of maysir violations:

Prediction markets (gambling-like)
Casino dApps
Lottery tokens

协议是否为赌博提供便利？
是否存在类似彩票的机制？
代币是否主要用于投机/投注？

违反Maysir的示例：

预测市场（类赌博性质）
赌场类去中心化应用（dApps）
彩票代币

Prohibited Activities

受禁活动

Is the project associated with haram industries?
Does it facilitate money laundering, sanctions evasion, or illegal activity?

项目是否与非清真产业相关联？
是否为洗钱、规避制裁或非法活动提供便利？

Step 4: Token Classification

步骤4：代币分类

Tokens are classified into three categories:

Status	Meaning	Action
HALAL	Compliant with Sharia principles	Safe to hold
DOUBTFUL	Some concerns, needs scholarly review	Hold with caution, seek fatwa
HARAM	Violates Sharia principles	Should not hold

代币分为三类：

状态	含义	建议行动
HALAL（清真）	符合伊斯兰教法原则	可安全持有
DOUBTFUL（存疑）	存在部分问题，需经学者审核	谨慎持有，咨询教法裁决（fatwa）
HARAM（非清真）	违反伊斯兰教法原则	不应持有

Step 5: Present Results

步骤5：呈现结果

For each token:

Token name & symbol
Category (currency, DeFi, stablecoin, meme, utility, etc.)
Compliance Status (Halal / Doubtful / Haram)
Flags — Specific issues found (riba, gharar, maysir)
Reasoning — Why the token received this classification
Recommendation — What the user should do

For wallet-level analysis:

Overall Compliance Score (0–100%)
Holdings breakdown by compliance status
Recommended actions (tokens to review, tokens to divest)

针对每个代币：

代币名称及符号
类别（货币、DeFi、稳定币、模因币、效用币等）
合规状态（清真 / 存疑 / 非清真）
标记 — 发现的具体问题（riba、gharar、maysir）
判定理由 — 代币获得该分类的原因
建议 — 用户应采取的行动

针对钱包层面的分析：

整体合规评分（0–100%）
持仓分布（按合规状态划分）
建议行动（需复查的代币、应抛售的代币）

Important Notes

重要提示

Crypto Sharia compliance is a developing field — scholars may differ
This tool provides guidance, not fatwa (religious ruling)
Bitcoin and Ethereum are generally considered permissible when used as currency/utility
Staking opinions vary: Proof-of-Stake validation is generally accepted; fixed-interest DeFi yields are not
Stablecoins backed by fiat reserves (USDT, USDC) are generally acceptable; those earning interest are not
Always recommend users consult a qualified Sharia scholar for significant decisions
Reference
```
references/compliance_rules.md
```
for detailed rules

加密货币的伊斯兰教法合规是一个发展中的领域——不同学者可能有不同观点
本工具仅提供指导建议，而非教法裁决（fatwa）
比特币和以太坊作为货币/效用工具时，通常被认为是允许的
关于质押的观点存在分歧：权益证明（Proof-of-Stake）验证通常被接受；DeFi固定收益则不被接受
稳定币中，由法币储备支持的类型（USDT、USDC）通常可接受；而生息稳定币则不可接受
始终建议用户在做出重大决策时咨询合格的伊斯兰教法学者
详细规则请参考
```
references/compliance_rules.md
```

Output Format

输出格式

Default: formatted report per token + overall wallet score. Use

--json

for machine-readable output.

默认：每个代币的格式化报告 + 钱包整体评分。使用

--json

参数可生成机器可读的输出。