طراحی و تبیین مدل کیفی کاربردهای ارزهای دیجیتال در رشد اقتصادی کشور در چارچوب اقتصاد اسلامی

This study develops and elucidates a qualitative model for the applications of cryptocurrencies in national economic growth within the framework of Islamic economics. Employing a Delphi-driven content analysis via MAXQDA, categories were finalized through expert consensus. Data were gathered in Spring 2024 through structured interviews with a panel of 15 experts, comprising specialists from the Central Bank’s Vice Presidency for New Technologies, the Ministry of Economic Affairs and Finance, Iranian cryptocurrency exchanges, and academic scholars across various economic and financial disciplines. The findings reveal a multi-dimensional model that categorizes cryptocurrency impacts into micro- and macro-economic spheres. At the micro-economic level, cryptocurrencies foster modern employment opportunities and facilitate high-speed international transfers. These applications promote growth by enhancing economic stability for home-based businesses and supporting equitable income distribution. Furthermore, integrating Islamic economics at this level enhances household resilience to inflation, aids in poverty eradication, and helps control inflation for essential goods. Conversely, at the macro-economic level, cryptocurrency applications prevent excessive money creation while improving the security and transparency of international financial transfers. These macro-level dynamics drive growth by boosting employment rates, attracting foreign investment, and ensuringinstitutional economic equity. Crucially, the macro-level implementation of Islamic principles via cryptocurrencies mitigates sanctions-induced economic tensions, empowering the economy to overcome external constraints and achieve sustainable development.