What is the ruling on selling the Russian governmental "Maternity Capital" certificate for cash at a price lower than its nominal value, and is this considered among the prohibited sales due to lack of equivalence, or among the sales of currency for currency which requires equivalence and immediate possession?

The ruling on selling coupons or written certificates is determined by what the buyer obtains:

- If he obtains goods and benefits: It is permissible, due to the absence of riba al-tamathul (usury of equality), but it is prohibited due to the jahalah (uncertainty) of the sold item (type of goods, quantity, description, and term). Thus, the jahalah is entrenched in the price. - If he obtains cash: It is not permissible, as it involves riba (usury) of both types.