Is buying a commodity (rice) from the bank by installments, along with authorizing the bank to sell it immediately, permissible or forbidden?

Organized tawarruq (monetization) is impermissible because it is a stratagem to legitimize a usurious loan, as the bank commits to selling the commodity to the client, thus transforming it into a usurious loan. As for permissible tawarruq, it is when the bank genuinely purchases a commodity and sells it to the client, who then takes possession of it and sells it to benefit from its price.