What is the ruling on the certificate of deposit offered by "CashU" company, which allows for earning profits of up to 20% annually in exchange for freezing the amount for a specified period, and is this certificate considered usurious?

For an investment to be valid, three conditions must be met: the investment field must be permissible (mubah), there must be an agreement on a common percentage of the profit (not of the capital), and the capital must not be guaranteed. These certificates have failed to meet these conditions: the investment field is unknown, the capital is guaranteed, and the contract does not stipulate a common percentage of the profit, but rather a percentage of the capital. This makes the profit unknown, a fixed amount, or a percentage of the capital, all of which invalidate the Mudarabah (partnership) and are prohibited. Guaranteeing the capital and making the profit a fixed amount or a percentage of the capital transforms the investment into a prohibited usurious loan. Therefore, it is not permissible to invest money in these certificates.