Is zakat obligatory on a bank certificate with quarterly profits, and on money given to someone to invest in trade in exchange for a variable monthly sum, and how is zakat calculated in both cases?

Bonds are usurious loans, which are forbidden. Zakat is obligatory on them because they are a debt owed to their owner. Zakat is calculated annually and paid upon receipt. As for the interest accrued on them, it is ill-gotten wealth that must be disposed of in charitable causes. As for permissible investment, three conditions must be met: the money must be invested in permissible activities, the capital must not be guaranteed, and the profit must be specified as a common percentage of the profit, not of the capital. Zakat is obligatory on the principal amount and its profit. Giving money to someone to trade with it in exchange for a percentage of the profit is called Mudarabah (profit-sharing partnership), and for its validity, the three aforementioned conditions must be met. If a year passes on the money, Zakat becomes obligatory on it and its profits. The Zakat on trade goods is a quarter of a tenth (2.5%), and Zakat is due on each person's wealth.