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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
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
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:
StatusMeaningAction
HALALCompliant with Sharia principlesSafe to hold
DOUBTFULSome concerns, needs scholarly reviewHold with caution, seek fatwa
HARAMViolates Sharia principlesShould 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:
  1. Token name & symbol
  2. Category (currency, DeFi, stablecoin, meme, utility, etc.)
  3. Compliance Status (Halal / Doubtful / Haram)
  4. Flags — Specific issues found (riba, gharar, maysir)
  5. Reasoning — Why the token received this classification
  6. 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：
  1. 代币名称及符号
  2. 类别（货币、DeFi、稳定币、模因币、效用币等）
  3. 合规状态（清真 / 存疑 / 非清真）
  4. 标记 — 发现的具体问题（riba、gharar、maysir）
  5. 判定理由 — 代币获得该分类的原因
  6. 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。