Zakat on Jointly Held Family Crypto

Short answer: In money-type wealth each owner's share is reckoned separately — even inside a joint account. Whoever's share (with his other wealth) does not reach nisab owes nothing; whoever's does pays 2.5% on his own share. The special khultah (joint herd) rules apply to livestock only, per the majority — not to gold, silver or currency. Details: An important warning — engineering splits or mergers of wealth to dodge zakat is forbidden: the Prophet ﷺ said, 'Separate property is not to be combined nor combined property separated for fear of sadaqah.' True ownership is what counts, whoever's name is on the account. Record each person's real share in a joint account — it preserves justice in death or dispute. Each person's hawl runs from the day his own wealth touched nisab. Evidence: Sahih al-Bukhari 1450 (Abu Bakr's letter); Sahih al-Bukhari 1405 (nisab); the majority and Shaykh al-Uthaymin that khultah affects livestock only. For complex individual cases, consult a qualified scholar.