Ruling on Subscribing to Joint-Stock Companies

Question:
Recently, we have come to see in advertisements for subscriptions to joint-stock companies what states: that the revenues from the subscription amounts during the subscription and allocation will be recorded in the company's accounts. It is known that the company system does not allow spending from the subscription amounts until the company is registered after the issuance of a certificate from the bank regarding the subscription. From this, it becomes clear to us that any revenues prior to the registration of the company and the allocation are in the form of bank interest, which is the bank's guarantee for the company. So what is the ruling on participating in these companies, knowing that participation in these companies is a good investment, in addition to the fact that it helps the economic infrastructure of the country?

Answer:
What we understood is that there is riba (usury or interest) in this, as long as it calls for money. If the money is gathered, it helps the company. We do not know anything else, but this money must not be used in riba (usury or interest). It is gathered and kept in any bank. Once the requirement is met, and the announcement of the company and its approval are made, the matter is finished.
But this gathered money must not be used in riba (usury or interest). There is no harm in using it for other things besides riba (usury or interest). It can be used for the interests of the shareholders, benefiting them in goods that are bought and then sold for a profit. As for paying it to other banks with riba (usury or interest), this is not permissible.