What is the ruling on purchasing gold from the central bank online if it involves paying fees and a percentage of the gold, while the buyer does not receive a certificate of ownership in case of unavailability?

When purchasing gold with money, immediate possession is required, either hand-to-hand or by depositing the gold into a special account belonging to the buyer immediately upon payment in the same session. Otherwise, it would be forbidden Riba (usury). It is a condition that the account be specific to the buyer, such that he can withdraw the gold from it at any time. The evidence for this is the Prophet, peace and blessings be upon him, who said: "Gold for gold... hand to hand." Currencies take the rulings of gold and silver. There is no harm in paying fees or taxes on stored gold, but the full price of the gold must be paid, and it must genuinely be owned and deposited immediately into the buyer's account.