Is it permissible to sell dollars via a deposit slip into an account instead of a certified check, knowing that the bank may not have cash liquidity, but communication cards can be withdrawn for the amount, and that the selling price is higher than the cash purchase price?

Monetary currencies are treated like gold and silver in rulings concerning currency exchange and the obligation of immediate possession (taqabud) when exchanging them. A certified check is considered equivalent to actual possession if it has a withdrawable and usable balance, as stipulated in the resolution of the Islamic Fiqh Academy. The delivery of a check stands in place of possession when its conditions are met. Similarly, the arrival of a deposit in the account from the buyer is considered constructive possession, as long as the full amount has been deposited. Among the forms of constructive possession (al-qabd al-hukmi) that are recognized legally and customarily are: the banking entry of a sum of money into a customer's account in specific cases such as direct deposit, bank transfer, immediate currency exchange contract, or deduction from one account to another. The customary delay in the banking entry is forgiven, provided that the currency is not disposed of during this period.