Bayt Al-Mal: The Architecture That Ends the Age of Debt

By GLENN CHIN

The suffering visible across today's world - recurring financial crashes, generational debt, a widening gap between the wealthy few and the indebted many - is not an accident inside an otherwise sound system. It is the system working exactly as designed.

This book makes one argument from beginning to end: an economy built on interest-bearing debt creation mathematically guarantees that more debt exists than money to repay it. Someone must always lose. And the remedy is not a kinder interest rate or a more generous welfare program - it is a complete, different architecture, already fully developed in the Quran and the Islamic institution of Bayt al-Mal, the House of Wealth.
Inside, you'll find: A clear, arithmetic-based diagnosis of how debt-based money actually works - and why reform alone can never fix itA correction of one of the most common misunderstandings in the Muslim world today: zakat is not 2.5% paid annually, but a due triggered by actual gain, exactly as the Qur'an describes (6:141)The eight recipients of zakat, read for their full contemporary relevance - not frozen in a seventh-century lensA principle-by-principle comparison between the interest-based economy and Bayt al-Mal's circulatory alternativeA concrete, honest look at who benefits and who is left behind under each system - asset holders, borrowers, nations, the elderly, small producers, and moreA practical, phased blueprint any community can begin today - starting with a single founding circle, long before waiting for governments or global institutions to leadWhy automation, AI, and near-universal digital coordination make large-scale, non-monetary economic organization more achievable now than at any point in human historyThe book's ultimate horizon: not merely a reformed economy, but a fully Quranic, moneyless economic orderThis is not a theoretical treatise. It is a working da'wah - grounded in the Qur'an, honest about implementation difficulty, and built for anyone ready to gather a few trusted people together and begin.

• Format: Paperback
• Language: English
• ISBN: B0H99R1N74
• ISBN13: 9798187713394
• Release Date: July 2026
• Publisher: Independently Published
• Length: 254 Pages
• Weight: 0.66 lbs.
• Dimensions: 0.6" x 5.5" x 8.5"