What is the ruling on the testimony of millions?

These certificates are based on monthly draws for financial prizes, with the possibility of redeeming their value after one year. Legally, they do not differ from investment certificates category (C) or the Millionaire certificate, as they represent a loan from their owners to the bank. The bank then distributes the profits in the form of prizes through a lottery to some certificate holders, excluding others. This is forbidden due to the elements of usury (riba) and gambling (maysir) it contains.