Beyond the Qur'an's own warnings, the Prophet ﷺ made clear that responsibility for riba is not limited to whoever directly charges it. In an authentic hadith, he ﷺ is reported to have cursed the one who consumes riba, the one who pays it, the one who writes the contract, and the two witnesses to it — saying they are all equal in this.

The lesson generally drawn from this is one of collective avoidance rather than individual blame alone: riba is treated as something a whole transaction, and everyone knowingly party to it, should stay away from — not merely a private matter between a lender and a borrower.

As with the Qur'anic verses, this hadith establishes the seriousness of the principle; it does not itself tell you how to classify a specific modern financial product. That judgment call belongs with qualified scholars reviewing the actual contract.