Arabic (ربا خفي) for unapparent usury (implicit riba/ hidden riba/ disguised riba/ riba in disguise/ concealed riba). It refers to any excess consideration over and above the amount of a loan (qardh) offered in kind or two unequal amounts in a barter (muqayadhah) transaction involving items of the same genus (ribawi items). It may be expressed as the additional consideration by a debtor to a creditor in transactions that involve the same commodity on both sides of the transaction. Shari’ah warns that barter involving exchange of commodities of the same kind (genus) would result in riba and therefore traders are advised to resort to the use of money (naqd or nuqud) for the exchange of such items or commodities in order to avoid riba.

This type of riba is also known as trade riba or riba al-buyu or riba al-fadhl/ riba al-fadl.