Is it permissible to accept a "Qoshan" certificate as a gift, knowing that it is a certificate purchased from a usurious bank for 25 Jordanian Dinars, and it enters the holder into a draw to win an apartment? And is it permissible to sell it back to the bank and reclaim its value?

These certificates issued by usurious banks combine two forbidden elements: lending with interest and gambling. It is forbidden for you to benefit from them in a prohibited manner. You should only take back your relative's principal without the interest and without participating in the draws. As for the interest generated from them, do not leave it for the bank; rather, take it and give it as charity to the poor and needy. You must also advise your relative regarding his purchase of these certificates.