Is the husband's transfer of money through an agency, where he hands over Saudi Riyals and Sudanese Pounds are received, and sometimes he asks them to transfer the amount before he pays them, considered usury (riba)? And what should be done if it is?

First: Currency exchange requires immediate possession [of both currencies] at the time of the contract, based on the Prophet, peace and blessings be upon him, who said: "Gold for gold, silver for silver… like for like, equal for equal, hand to hand. But if these types differ, then sell as you wish, provided it is hand to hand." Different currencies are considered distinct categories. Exchange is permissible with constructive possession, such as receiving a certified check or an accredited transfer receipt.

Second: It is not permissible for the agency to provide the funds in Egyptian Pounds and then receive them from the husband in Saudi Riyals, due to the absence of immediate possession in the exchange. The solution is to borrow the amount from another party and then repay it after receiving the money transferred from the husband.