Is it permissible to complete a currency exchange transaction by borrowing part of the amount from a third party at the time of the exchange, with the intention of repaying it later?

Current currencies are treated the same as gold and silver in all Islamic rulings, such as usury (riba), zakat, and salam (forward buying). The currency of each country is considered a separate class (jins). Therefore, selling dollars for riyals is an exchange between two different currencies, and it requires immediate possession (taqabud) in the contract session, based on the Prophet's (PBUH) saying: "If these types differ, then sell as you wish, provided it is hand to hand."