What is the Shar'i ruling on receiving a motorcycle from its owner before the Islamic bank delivers its value to him, and is this considered usury (riba), given the buyer's ignorance of the ruling?

It is stipulated in Murabaha to the one who commands the purchase that the bank must first own the commodity, then sell it to the client at a profit in installments. The process is completed by the purchaser identifying the commodity and promising the bank to buy it. Then, the bank buys the commodity from the seller, and it enters into its possession. After that, the purchaser signs the Murabaha sale contract with the bank and receives the commodity. If the purchaser receives the commodity directly from the seller before the bank takes possession of it, the contract is not invalidated by that. However, the bank's representative must inspect and take possession of it before paying its value to the seller and selling it to the purchaser. The fundamental difference between Murabaha and interest-based loans is that in Murabaha, the bank genuinely buys the commodity, whereas in interest-based loans, it pays its price on behalf of the purchaser with an increase, and this is usury (riba). If the bank invalidates the first transaction, a new transaction can be conducted, adhering to the regulations of the Murabaha contract.