What is the ruling on the increase a female crypto marketer receives from her company if she agrees to hold onto these currencies and not dispose of them for three years?

The retention of digital currencies during the so-called "incubation period" has several possibilities:

1. The company benefits from the currencies: If the company benefits from the currencies and considers what it pays as a reward, then this is considered a loan, and the reward in this case is interest on the loan, which is Islamically prohibited. Jurists have stipulated the prohibition of every loan that draws a benefit for the lender, and the prohibition of gifts associated with a loan if they were not a customary practice between the two parties beforehand. 2. Investment of currencies between the company and its owner: If there is a partnership or mudarabah contract for investing the currencies, then the Sharia conditions for investment must be verified, such as not guaranteeing the capital and agreeing on a known percentage of the profit. However, this possibility is not applicable in this case, as the company calls what it offers a reward, not a profit resulting from an investment. 3. The company retaining the currencies without benefiting: This possibility is remote, and it is unreasonable for the company to offer gifts or rewards without compensation or benefit. Even if the benefit is the stabilization of its currency's price, it is not permissible to pay a reward in exchange for this benefit.

Therefore, it is advisable to withdraw the currencies and not retain them to avoid falling into riba (usury/interest).