I came saying who was prepared toexchange dirhams (for my gold), whereupon Talha b. Ubaidullah (Allah be pleased with him) (as he was sitting with 'Umar b. Khattib) said: Show us your gold and then come to us (at a later time). When our servant would come we would give you your silver (dirhams due to you). Thereupon 'Umar b. al-Khattib (Allah be pleased with him) said: Not at all. By Allah, either give him his silver (coins). or return his gold to him, for Messenger of Allah ﷺ said: Exchange of silver for gold (has an element of) interest in it. except when (it is exchanged) on the spot;and wheat for wheat is an interest unless both are handed over on the spot: barley for barley is interest unless both are handed over on the spot; dates for dates is interest unless both are handed over on the Spot.  

عُمَرُ بْنُ الْخَطَّابِ كَلاَّ وَاللَّهِ لَتُعْطِيَنَّهُ وَرِقَهُ أَوْ لَتَرُدَّنَّ إِلَيْهِ ذَهَبَهُ فَإِنَّ رَسُولَ اللَّهِ ﷺ قَالَ الْوَرِقُ بِالذَّهَبِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالْبُرُّ بِالْبُرِّ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالشَّعِيرُ بِالشَّعِيرِ رِبًا إِلاَّ هَاءَ وَهَاءَ وَالتَّمْرُ بِالتَّمْرِ رِبًا إِلاَّ هَاءَ وَهَاءَ  

Yahya related to me from Malik from Ibn Shihab from Malik ibn Aus ibn al-Hadathan an-Nasri that one time he asked to exchange 100 dinars. He said, "Talha ibn Ubaydullah called me over and we made a mutual agreement that he would make an exchange for me. He took the gold and turned it about in his hand, and then said, 'I can't do it until my treasurer brings the money to me from al-Ghaba.' Umar ibn al- Khattab was listening and Umar said, 'By Allah! Do not leave him until you have taken it from him!' Then he said, 'The Messenger of Allah ﷺ said, "Gold for silver is usury except hand to hand. Wheat for wheat is usury except hand to hand. Dates for dates is usury except hand to hand. Barley for barley is usury except hand to hand." "' Malik said, "When a man buys dirhams with dinars and then finds a bad dirham among them and wants to return it, the exchange of the dinars breaks down, and he returns the silver and takes back his dinars. The explanation of what is disapproved of in that is that the Messenger of Allah ﷺ said, 'Gold for silver is usury except hand to hand.' and Umar ibn al-Khattab said, 'If someone asks you to wait to be paid until he has gone back to his house, do not leave him.' When he returns a dirham to him from the exchange after he has left him, it is like a debt or something deferred. For that reason, it is disapproved of, and the exchange collapses. Umar ibn al-Khattab wanted that all gold, silver and food should not be sold for goods to be paid later. He did not want there to be any delay or deferment in any such sale, whether it involved one commodity or different sorts of commodities."  

أنَّهُ التَمَسَ صَرْفًا بِمِائَةِ دِينارٍ، قالَ فَدَعانِي طَلْحَةُ بْنُ عُبَيْدِ اللَّهِ فَتَراوَضْنا حَتّى اصْطَرَفَ مِنِّي وأخَذَ الذَّهَبَ يُقَلِّبُها فِي يَدِهِ، ثُمَّ قالَ: حَتّى يَأْتِيَنِي خازِنِي مِنَ الغابَةِ وعُمَرُ بْنُ الخَطّابِ يَسْمَعُ، -[٦٣٧]- فَقالَ عُمَرُ: واللَّهِ لا تُفارِقْهُ حَتّى تَأْخُذَ مِنهُ، ثُمَّ قالَ: قالَ رَسُولُ اللَّهِ ﷺ: «الذَّهَبُ بِالوَرِقِ رِبًا، إلّا هاءَ وهاءَ، والبُرُّ بِالبُرِّ رِبًا، إلّا هاءَ وهاءَ، والتَّمْرُ بِالتَّمْرِ رِبًا، إلّا هاءَ وهاءَ، والشَّعِيرُ بِالشَّعِيرِ رِبًا، إلّا هاءَ وهاءَ» قالَ مالِكٌ: إذا اصْطَرَفَ الرَّجُلُ دَراهِمَ بِدَنانِيرَ، ثُمَّ وجَدَ فِيها دِرْهَمًا زائِفًا، فَأرادَ رَدَّهُ انْتَقَضَ صَرْفُ الدِّينارِ، ورَدَّ إلَيْهِ ورِقَهُ، وأخَذَ إلَيْهِ دِينارَهُ، وتَفْسِيرُ ما كُرِهَ مِن ذَلِكَ أنَّ رَسُولَ اللَّهِ ﷺ قالَ: «الذَّهَبُ بِالوَرِقِ رِبًا، إلّا هاءَ وهاءَ» وقالَ عُمَرُ بْنُ الخَطّابِ: «وإنِ اسْتَنْظَرَكَ إلى أنْ يَلِجَ بَيْتَهُ، فَلا تُنْظِرْهُ وهُوَ إذا رَدَّ عَلَيْهِ دِرْهَمًا مِن صَرْفٍ بَعْدَ أنْ يُفارِقَهُ كانَ بِمَنزِلَةِ الدَّيْنِ أوِ الشَّيْءِ المُتَأخِّرِ، فَلِذَلِكَ كُرِهَ ذَلِكَ، وانْتَقَضَ الصَّرْفُ، وإنَّما أرادَ عُمَرُ بْنُ الخَطّابِ أنْ لا يُباعَ الذَّهَبُ والوَرِقُ، والطَّعامُ كُلُّهُ عاجِلًا بِآجِلٍ، فَإنَّهُ لا يَنْبَغِي أنْ يَكُونَ فِي شَيْءٍ مِن ذَلِكَ تَأْخِيرٌ، ولا نَظِرَةٌ وإنْ كانَ مِن صِنْفٍ واحِدٍ أوْ كانَ مُخْتَلِفَةً أصْنافُهُ»  

"عَنْ مَالِك بنِ أَوسِ بنِ الحَدَثاَن: أَنَّه التْمسَ صَرْفًا بِمائة دينارٍ قَالَ: فَدَعانِى طَلحةُ بنُ عُبَيِد الله فَتَراضَينَا حَتَّى اصْطَرفَ مِنِّى وَأَخَذَ الذهَبَ فَقَلَّبَها فِى يَدهِ ثَّم قَالَ: حَتَّى يَأتِى خَازِنِى منَ الغابَةِ وَعُمَرُ بنُ الخَطَّابِ يَسْمَعُ، فَقَالَ عُمَر: لاَ تُفَارِقْهُ حتَّى تَأخُذَ مِنْه، ثَّم قَالَ: قَالَ رَسُول اللهِ ﷺ : الذَّهَبُ بالوَرِقِ رِبًا إلا ها وها، والبُرُّ بِالبُرِّ رِبًا إلا ها وها، والشعير بالشعير رِبًا إلا ها وها، والتمر بالتمر رِبًا إلا ها وها".