Overview
Returns on Cash allows eligible uninvested cash in your CUSP Wealth account to earn returns of up to 2.5% APR. These returns are structured in accordance with Sharia principles.
Sharia Compliance
Your cash is invested exclusively in halal assets:
Murabaha - residential and commercial property financing
Ijara - vehicle financing.
These assets are managed by UIF (University Islamic Financial Corporation). Funds are fully segregated from interest-bearing assets, and the structure is independently certified.
Certification: AAOIFI Standard 46
The Returns on Cash structure has been reviewed and approved by UIF's independent Shariah Supervisory Board under AAOIFI Standard 46 (Accounting and Auditing Organisation for Islamic Financial Institutions), which provides Sharia guidance relevant to investment structures.
Returns on Cash remains subject to ongoing Sharia oversight, with UIF managing the underlying Sharia-compliant investment and CUSP Wealth providing access to it through the platform.
Managing Returns on Cash
Enabling Returns on Cash
Tap Cash from your main dashboard or Portfolio.
Tap Enable Returns on Cash.
Complete the Risk Questionnaire, if you haven't already.
Review and accept the Terms & Conditions (T&Cs).
Disabling Returns on Cash
You can disable Idle Cash or Returns on Cash from either location:
Dashboard: Cash → View Details → Disable Returns on Cash
Profile: Profile → Investing Preferences → Disable Returns on Cash
Payouts
Returns are calculated daily and paid monthly. Once paid, they're automatically added to your available cash balance.
To view your return details at any time, go to Cash on your main dashboard and tap View Details.
