Luno Staking Suite and Bundle Are Now Shariah Compliant

Luno Malaysia has announced that its entire digital asset staking suite and its Luno Large Cap Bundle have earned official Shariah-compliant certification. Verified by Shariah advisory firm Sharlife, an entity registered with the Securities Commission Malaysia, the approval establishes Luno as the country’s first regulated digital asset exchange to offer Shariah-certified passive growth. The certification covers seven proof-of-stake cryptocurrencies—Avalanche, Cosmos, NEAR Protocol, Polkadot, Solana, Cardano, and Ethereum—alongside the platform's index bundle. With more than one million registered customers in Malaysia, the expansion allows local investors to generate indicative annual staking yields ranging between 3% and 11% while maintaining strict compliance with established Islamic finance principles.

Key Facts

Luno Malaysia has secured official Shariah compliance for its complete staking lineup and index bundle. Reviewed by Securities Commission-registered adviser Sharlife, the certification establishes Luno as Malaysia’s first regulated digital asset exchange to offer certified passive crypto yields across seven supported cryptocurrencies and an index-tracking investment vehicle.

Luno Malaysia is the first regulated digital asset exchange in the country to secure Shariah certification across its entire staking portfolio.

Which Digital Assets Are Included in the Staking Suite?

The expanded Shariah certification covers seven proof-of-stake digital assets: Cosmos, NEAR Protocol, Polkadot, Solana, Avalanche, Ethereum, and Cardano. Independent adviser Sharlife confirmed that each asset’s staking infrastructure satisfies Malaysian Shariah governance standards, enabling local Muslim investors to earn protocol-level rewards through an approved digital asset exchange platform.

The certification milestones and indicative annual rewards across the supported assets are:

• Cosmos (ATOM): Indicative reward up to 11%; launched 15 May 2025; certified 10 November 2026.
• NEAR Protocol (NEAR): Indicative reward up to 7%; launched 29 April 2025; certified 10 November 2026.
• Polkadot (DOT): Indicative reward up to 7%; launched 22 April 2025; certified 10 November 2026.
• Solana (SOL): Indicative reward up to 5%; launched 31 July 2024; certified 23 October 2025.
• Avalanche (AVAX): Indicative reward up to 4.5%; launched 22 January 2026; certified 10 November 2026.
• Ethereum (ETH): Indicative reward up to 4%; launched 26 January 2024; certified 5 December 2024.
• Cardano (ADA): Indicative reward up to 3%; launched 22 February 2024; certified 23 October 2025.

Ripple (XRP) remains a notable omission from the certified roster, meaning local users holding XRP cannot participate in Shariah-compliant staking on the platform.

“When we certified Ethereum staking as Shariah-compliant in December 2024, we made a commitment to expand our Shariah-compliant range so that every Malaysian could invest with assurance. Today we deliver on that promise. Every staking wallet and our Large Cap Bundle are now certified, which makes Luno the first regulated exchange in Malaysia where Muslim investors can grow their digital asset holdings passively without compromising their beliefs,”

Scarlett Chai, Country Manager of Luno

Cosmos offers the highest indicative yield in Luno's certified staking suite at up to 11% annually, while Ripple remains entirely uncertified.

How Did the Luno Large Cap Bundle Attain Shariah Compliance?

The Luno Large Cap Bundle attained compliance through an audit conducted by Sharlife that verified its underlying index-tracking structure. The assessment covered the bundle’s formal investment arrangement, its digital asset selection criteria, automated rebalancing mechanisms, and a dedicated screening process designed to filter out non-compliant blockchain assets.

According to Luno's schedule, the index-tracking Large Cap Bundle launches on 21 November 2026, with Shariah certification officially granted on 10 November 2026. This certification ensures that passive index investing across bundled digital assets complies with Malaysian Islamic investment principles, extending beyond standalone single-token staking wallets.

Sharlife’s verification covers the Large Cap Bundle’s asset selection methodology, rebalancing operations, and Shariah screening process.

What It Means for Malaysian Buyers

For Malaysian retail investors, the development eliminates religious uncertainty when generating passive yield through an exchange regulated by the Securities Commission Malaysia. Local users gain verified access to staking returns without resorting to unlicenced offshore crypto platforms, bridging digital asset participation with Malaysia's established Islamic finance framework.

With over one million customers in Malaysia, Luno's certification gives local investors seven regulated staking options with indicative annual yields spanning 3% to 11%. However, buyers should note that indicative rewards are subject to network fluctuations and do not constitute capital-guaranteed returns. Investors seeking compliant exposure to Ripple (XRP) must look elsewhere or wait, as the token remains outside Luno's certified suite.

Malaysian investors gain regulated, Shariah-compliant access to crypto staking yields on Luno, but yields remain variable and exclude Ripple.

Common Questions

Luno Malaysia's Shariah compliance expansion resolves key technical and regulatory questions for digital asset holders. Assessed by Sharlife under Securities Commission Malaysia standards, the framework defines which proof-of-stake cryptocurrencies qualify for certified passive returns and clarifies the operational rules governing index-based digital asset bundles.

Sharlife has approved seven staking assets and the Large Cap Bundle while excluding Ripple from Luno’s compliant suite.

Which digital assets on Luno are certified as Shariah-compliant?

The certified lineup includes the Luno Large Cap Bundle alongside seven staking assets: Cosmos (up to 11%), NEAR Protocol (up to 7%), Polkadot (up to 7%), Solana (up to 5%), Avalanche (up to 4.5%), Ethereum (up to 4%), and Cardano (up to 3%). Ripple (XRP) is not certified.

Who issued the Shariah certification for Luno Malaysia?

The certification was granted following a comprehensive review by Sharlife, an independent Shariah advisory firm registered with the Securities Commission Malaysia. Sharlife evaluated Luno’s staking protocols, asset screening methods, investment arrangements, and bundle rebalancing mechanisms.

Are the advertised staking rewards guaranteed returns?

The stated yields are indicative annual rewards determined by underlying network activity and validation mechanisms, not guaranteed returns. Returns range from up to 3% on Cardano to up to 11% on Cosmos, and remain subject to market and protocol fluctuations.

Sources and Methodology

This report is compiled from public product announcements and regulatory filings issued by Luno Malaysia, reported by Lowyat.NET on 11 November 2026. All stated reward figures represent protocol-level annual indications from Luno’s registered Shariah advisory audit by Sharlife, without secondary adjustments or speculative yield projections.

Primary source: Lowyat.NET article titled "Luno Extends Shariah Compliance To Entire Staking Suite, Large Cap Bundle" by John Law, accessed on 11 November 2026. No foreign currency conversions were applied as all values reflect native token percentage yields, calendar dates, and registered user metrics.

Data verified from primary exchange disclosures and Securities Commission-registered advisory documentation as of 11 November 2026.