What should we do if we want to exchange usurious money in dollars into the local currency to pay for heating oil for the needy, knowing that the state prohibits exchange except at exchange bureaus, and that the private exchange rate is almost equivalent to the market rate, while the black market offers a slightly higher rate, and if we give these dollars to charities, they will inevitably exchange them at exchange bureaus?

You have done well in your determination to get rid of usurious money by giving it to the needy. This unlawful money must be immediately disbursed for charitable purposes, whether in dollars or other currencies. Its holder is permitted to disburse it in another currency at its value on the day of disbursement and give it to the poor. He should seek the best rates for the benefit of the poor. This money becomes lawful for the poor and needy, and there is no harm for them in using it to buy fuel oil or anything else. Al-Nawawi said: "And if it - unlawful money - is given to the poor, it does not become unlawful for the poor, but rather becomes lawful and pure." You do not have the right to determine how this money is spent; rather, it should be given to the needy for them to spend it on fulfilling their needs. There is no harm in exchanging dollars in the black market as long as it is done in a permissible manner.