What is the ruling on investing in a digital platform that lends money and stipulates that no more than 10% of the loan value should be lost, and takes 15% of the realized profits?

The mentioned transaction is not valid because it is an investment loan that brings two benefits to the lender. The first is subscription fees, which is explicit usury by consensus. The second is taking 15% of the investor's profit, which is prohibited because it is a loan conditioned on the transaction being conducted through the lending company. Scholars have emphasized that conditions attached to a loan must be solely for the benefit of the borrower. Furthermore, it is not permissible to combine a loan with any exchange contract, such as brokerage, due to the Prophet's (peace and blessings be upon him) saying: "It is not permissible to have a loan and a sale, nor two conditions in one sale," and because this is a means to usury.