Does not taking a receipt for money transferred through a person the questioner trusts make it without hand-to-hand possession, knowing that the money reaches his family?

Taking a receipt or the like is not a condition in itself for transfer operations. Rather, the condition is possession (qabḍ) if the transfer and receipt are in two different currencies, because the operation includes currency exchange (ṣarf) and authorization for the transfer (ḥawālah). In currency exchange, possession between the exchangers is a condition. One form of constructive possession is the customer receiving a receipt or a check that enables them to withdraw the amount immediately. If actual or constructive possession does not occur, the transaction is impermissible. Therefore, transfers paid in the same currency are religiously permissible, whether for a fee or without a fee. However, if they are in a different currency, they consist of currency exchange and a transfer. The currency exchange operation takes place before the transfer by the customer handing over the amount to the bank and registering it in its books after agreeing on the exchange rate.