Suggested halal asset mix for your balance + risk profile.
Risk profile
Suggested allocation — Moderate
Total: 100%
Balanced compounding. 2 anchors + 4 halal Layer-1s + transit.
35.0%
$3500
Anchor allocation. Lower volatility than mid-caps, halal at asset level.
25.0%
$2500
Second anchor. Smart-contract platform with deep ecosystem utility.
12.0%
$1200
High-throughput halal Layer-1. Adds growth exposure beyond top-2 anchors.
8.0%
$800
Subnet-architecture Layer-1. Halal asset-level. Diversifies the top-2 concentration.
8.0%
$800
Layer-0 interoperability asset. Halal. Adds non-correlated exposure to monolithic chains.
7.0%
$700
Oracle infrastructure. Halal service-economy token, captures cross-chain demand.
5.0%
$500
Rebalancing reserve. Transit only.
Suggested allocation only. Every coin in this allocation passes the 4-gate AAOIFI-aligned screen. Stablecoin transit (USDT) is held only as a rebalancing reserve, never as a yield-bearing position. This is a planning tool, not investment advice.
A halal portfolio that puts 100% into a single mid-cap is technically Sharia-compliant — but it's a one-asset portfolio, and that's a structural problem; Halal screening tells you what you can buy. Allocation tells you in what proportion. Both matter.
The portfolio allocator gives you a starting suggested mix across BTC, ETH, halal Layer-1s, and selected halal Layer-2s — all four-gate AAOIFI-screened; Three risk profiles are supported; Conservative tilts heavily to BTC and ETH anchors. Moderate adds halal L1 diversification (SOL, AVAX, DOT, LINK). Multi-X reduces anchor weight to make room for halal mid-caps with asymmetric upside.
Every line in every allocation comes with a one-sentence rationale — why that asset, at that weight, in that profile. Use it as a starting point and adjust based on your conviction and constraints.
BTC 50% · ETH 30% · BNB 10% · USDT transit 10%. Heavy on the two anchors. Minimal exposure to mid-caps. Designed to hold value through cycles with steady upside.
BTC 35% · ETH 25% · halal L1 mix 35% (SOL, AVAX, DOT, LINK) · transit 5%. Compounds through cycles with controlled diversification.
Reduced BTC anchor (20%) + ETH (15%) · halal mid-cap mix 60% (SOL, AVAX, ARB, OP, RNDR, UNI, TON) · transit 5%. Asymmetric upside.
No lending-protocol governance. AAVE, COMP, MKR — excluded across every profile because the token captures riba revenue. Their slot is taken by halal Layer-1 governance assets like UNI (spot DEX) and ATOM.
No derivatives DEX tokens. INJ, GMX, DYDX — excluded because the underlying protocol runs leveraged perpetual futures, which is structural gharar. Allocation routes to spot-only equivalents.
No memecoins. SHIB, PEPE, BONK — excluded because pure-speculation payoff structures fail the maysir gate. Even at Multi-X, allocation routes to halal mid-caps with productive service economies (RNDR for compute, UNI for spot DEX).
Stablecoin transit only. USDT/USDC reserves are sized small (5–10%) and used purely for rebalancing. Never staked, never lent, never held as a yield-bearing position.
A target allocation is a starting point — over time, winners drift up and losers drift down, and your actual weights diverge from the target. Rebalancing brings them back. A simple cadence: review monthly, rebalance only when any single position is more than 5 percentage points away from its target.
If you're running our automated trading bot, this happens for you continuously. The bot rebalances within tier limits at each cycle — so you don't need to think about drift or open the dashboard to take action.
If you're trading manually, set a calendar reminder for the first Friday of every month. Spend ten minutes checking the deltas and decide whether to act. Most months no action will be needed.
No. Diversification reduces single-asset risk; it does not guarantee outperformance. In a strong BTC-only cycle, a diversified portfolio underperforms BTC. In a broad alt rally, it outperforms. The point is to reduce single-asset blow-up risk, not to maximise returns in any single regime.
The tool gives you a starting suggestion. Many users adjust by 5–10% per asset based on personal conviction. Just don’ t allocate to assets that fail the halal screen — that’ s the constraint.
Layer-2s carry beta to ETH activity plus their own protocol risk. Conservative profiles can’ t absorb that extra layer of variance; Multi-X can. The asset itself is halal at every tier — the allocation choice is risk-driven.
Re-screening happens quarterly, faster on material protocol changes. If a coin moves from halal to under-review, the allocator updates and we’ d recommend rotating to the suggested replacement at next rebalance.
Holding USDT for the minutes between selling one halal asset and buying another is broadly accepted as transit. Holding USDT as a savings position is not — that’ s where reserves go to earn riba. Treat the transit allocation strictly as a rebalancing buffer.
The same halal universe, the same risk-aware allocation, continuously rebalanced. Spot only, on your connected exchange account.
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Onboarding Checklist
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Trade P&L Auditor
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Halal Coin Comparison
Compare any 2 or 3 coins side by side. AAOIFI gates aligned.
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