<![CDATA[The high penetration of financial technology among the millennial generation brings unprecedented convenience, yet simultaneously presents fundamental risks regarding compliance with Sharia principles, particularly in the use of digital wallets and deferred payment services (paylater). This community service strategically aims to enhance muamalah fiqh literacy and weave financial independence among millennial (students) at Pondok Pesantren Nuruzzahroh. The methodology applied is Asset-Based Community Development (ABCD), an emancipatory framework focusing on the mapping, mobilization, and orchestration of the pesantren community's internal assets, which include the innate digital proficiency of Generation Z, social capital in the form of student brotherhood, institutional support from the foundation, and the foundation of spiritual values and noble character The results of the community service prove a highly significant surge in the participants' Islamic financial literacy scores, with the composite average understanding score jumping drastically from 30 in the pre-training phase to 86.4 in the post-training phase. The educational approach that integrates the epistemology of classical Islamic text studies with critical analysis of modern authority fatwas,specifically DSN-MUI Fatwa No. 116/DSN-MUI/IX/2017 concerning Sharia Electronic Money and East Java MUI Fatwa No. 4 of 2022 concerning Digital Transactions with the Paylater System proved highly effective in deconstructing students confusion and misconceptions. In-depth analysis reveals that the philosophical and technical understanding regarding the difference between disciplinary fines (ta'zir) justified for social purposes and time-based value additions (riba nasi'ah) which are forbidden became the main catalyst for changing student behavior. This literacy successfully shifted impulsive consumptive tendencies driven by the fear of missing out into rational, proportional shopping behavior subject to Sharia corridors. Furthermore, synchronizing this literacy program with pesantren regulations regarding smartphone usage restrictions and the implementation of contactless Digital Student Cards creates an intact supportive ecosystem that ensures long-term program sustainability. The conclusion of this academic activity emphasizes that asset-based empowerment synergizing classical Islamic knowledge and modern digital literacy is absolutely necessary to transform millennial students from mere technology consumers into smart, resilient, and highly principled agents of the Sharia economy in facing the challenges of digital capitalism Contemporary Muamalah Fiqh, Paylater, E-Wallet, Pesantren Nuruzzahroh, ABCD Method, Islamic Financial Literacy]]>
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