@misc{lim2026_ssrn_6854299,
  author = {Lim, Boon Chuan},
  title = {Shariah Integrity at the Reserve Layer Working Paper: Shariah Integrity at the Reserve Layer},
  year = {2026},
  doi = {10.2139/ssrn.6854299},
  url = {https://doi.org/10.2139/ssrn.6854299},
  note = {Working paper / preprint}
}