Usury is of two types: one that is consumed and one that is not consumed. As for the type that is consumed, it is when you give a gift to someone seeking a better return than what you gave. This is what Allah سبحانه وتعالى, the Almighty and Majestic, referred to in His saying: 'And whatever you give as usury so that it may increase in the wealth of people, it does not increase with Allah سبحانه وتعالى.' (Surah Ar-Rum 30:39) And as for the type that is not consumed, it is when a man lends another man ten dirhams on the condition that he repays more than that. This is the usury that Allah سبحانه وتعالى has prohibited in His words: 'O you who believe, fear Allah سبحانه وتعالى and give up what remains of usury, if you are believers. But if you do not, then be informed of a war from Allah سبحانه وتعالى and His Messenger. And if you repent, you will have your principal amounts; you will not wrong and you will not be wronged.' (Surah Al-Baqarah 2:278-279) Allah سبحانه وتعالى, the Almighty and Majestic, has commanded the one who consumed usury to return the excess he took over his principal amount, even the flesh that has grown on his body due to what he gained from usury. He must reduce it. If he repents, he should frequently visit the bathhouse to decrease his flesh. And if a man says to another: 'Exchange your horse for my horse, and I will give you extra,' this is not valid and is impermissible. However, he may say: 'Give me your horse for such and such amount, and I will give you my horse for such and such amount.'""