Hadith: No owner of gold or silver who does not pay what is due on it except that on the Day of Judgment they will be made for him sheets of fire

عَنْ أَبي هُرَيْرَةَ رضي الله عنه قَالَ: قَالَ رَسُولُ اللهِ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ:
«مَا مِنْ صَاحِبِ ذَهَبٍ وَلَا فِضَّةٍ، لَا يُؤَدِّي مِنْهَا حَقَّهَا، إِلَّا إِذَا كَانَ يَوْمُ الْقِيَامَةِ، صُفِّحَتْ لَهُ صَفَائِحُ مِنْ نَارٍ، فَأُحْمِيَ عَلَيْهَا فِي نَارِ جَهَنَّمَ، فَيُكْوَى بِهَا جَنْبُهُ وَجَبِينُهُ وَظَهْرُهُ، كُلَّمَا بَرَدَتْ أُعِيدَتْ لَهُ، فِي يَوْمٍ كَانَ مِقْدَارُهُ خَمْسِينَ أَلْفَ سَنَةٍ، حَتَّى يُقْضَى بَيْنَ الْعِبَادِ، فَيَرَى سَبِيلَهُ، إِمَّا إِلَى الْجَنَّةِ، وَإِمَّا إِلَى النَّارِ» قِيلَ: يَا رَسُولَ اللهِ، فَالْإِبِلُ؟ قَالَ: «وَلَا صَاحِبُ إِبِلٍ لَا يُؤَدِّي مِنْهَا حَقَّهَا، وَمِنْ حَقِّهَا حَلَبُهَا يَوْمَ وِرْدِهَا، إِلَّا إِذَا كَانَ يَوْمُ الْقِيَامَةِ، بُطِحَ لَهَا بِقَاعٍ قَرْقَرٍ، أَوْفَرَ مَا كَانَتْ، لَا يَفْقِدُ مِنْهَا فَصِيلًا وَاحِدًا، تَطَؤُهُ بِأَخْفَافِهَا وَتَعَضُّهُ بِأَفْوَاهِهَا، كُلَّمَا مَرَّ عَلَيْهِ أُولَاهَا رُدَّ عَلَيْهِ أُخْرَاهَا، فِي يَوْمٍ كَانَ مِقْدَارُهُ خَمْسِينَ أَلْفَ سَنَةٍ، حَتَّى يُقْضَى بَيْنَ الْعِبَادِ، فَيَرَى سَبِيلَهُ إِمَّا إِلَى الْجَنَّةِ، وَإِمَّا إِلَى النَّارِ» قِيلَ: يَا رَسُولَ اللهِ، فَالْبَقَرُ وَالْغَنَمُ؟ قَالَ: «وَلَا صَاحِبُ بَقَرٍ، وَلَا غَنَمٍ، لَا يُؤَدِّي مِنْهَا حَقَّهَا، إِلَّا إِذَا كَانَ يَوْمُ الْقِيَامَةِ بُطِحَ لَهَا بِقَاعٍ قَرْقَرٍ، لَا يَفْقِدُ مِنْهَا شَيْئًا، لَيْسَ فِيهَا عَقْصَاءُ، وَلَا جَلْحَاءُ، وَلَا عَضْبَاءُ تَنْطَحُهُ بِقُرُونِهَا وَتَطَؤُهُ بِأَظْلَافِهَا، كُلَّمَا مَرَّ عَلَيْهِ أُولَاهَا رُدَّ عَلَيْهِ أُخْرَاهَا، فِي يَوْمٍ كَانَ مِقْدَارُهُ خَمْسِينَ أَلْفَ سَنَةٍ، حَتَّى يُقْضَى بَيْنَ الْعِبَادِ، فَيَرَى سَبِيلَهُ إِمَّا إِلَى الْجَنَّةِ، وَإِمَّا إِلَى النَّارِ» قِيلَ: يَا رَسُولَ اللهِ، فَالْخَيْلُ؟ قَالَ: «الْخَيْلُ ثَلَاثَةٌ: هِيَ لِرَجُلٍ وِزْرٌ، وَهِيَ لِرَجُلٍ سِتْرٌ، وَهِيَ لِرَجُلٍ أَجْرٌ، فَأَمَّا الَّتِي هِيَ لَهُ وِزْرٌ، فَرَجُلٌ رَبَطَهَا رِيَاءً وَفَخْرًا وَنِوَاءً عَلَى أَهْلِ الْإِسْلَامِ، فَهِيَ لَهُ وِزْرٌ، وَأَمَّا الَّتِي هِيَ لَهُ سِتْرٌ، فَرَجُلٌ رَبَطَهَا فِي سَبِيلِ اللهِ، ثُمَّ لَمْ يَنْسَ حَقَّ اللهِ فِي ظُهُورِهَا وَلَا رِقَابِهَا، فَهِيَ لَهُ سِتْرٌ وَأَمَّا الَّتِي هِيَ لَهُ أَجْرٌ، فَرَجُلٌ رَبَطَهَا فِي سَبِيلِ اللهِ لِأَهْلِ الْإِسْلَامِ، فِي مَرْجٍ وَرَوْضَةٍ، فَمَا أَكَلَتْ مِنْ ذَلِكَ الْمَرْجِ، أَوِ الرَّوْضَةِ مِنْ شَيْءٍ، إِلَّا كُتِبَ لَهُ، عَدَدَ مَا أَكَلَتْ حَسَنَاتٌ، وَكُتِبَ لَهُ، عَدَدَ أَرْوَاثِهَا وَأَبْوَالِهَا، حَسَنَاتٌ، وَلَا تَقْطَعُ طِوَلَهَا فَاسْتَنَّتْ شَرَفًا، أَوْ شَرَفَيْنِ، إِلَّا كَتَبَ اللهُ لَهُ عَدَدَ آثَارِهَا وَأَرْوَاثِهَا حَسَنَاتٍ، وَلَا مَرَّ بِهَا صَاحِبُهَا عَلَى نَهْرٍ، فَشَرِبَتْ مِنْهُ وَلَا يُرِيدُ أَنْ يَسْقِيَهَا، إِلَّا كَتَبَ اللهُ لَهُ، عَدَدَ مَا شَرِبَتْ، حَسَنَاتٍ» قِيلَ: يَا رَسُولَ اللهِ، فَالْحُمُرُ؟ قَالَ: «مَا أُنْزِلَ عَلَيَّ فِي الْحُمُرِ شَيْءٌ، إِلَّا هَذِهِ الْآيَةَ الْفَاذَّةُ الْجَامِعَةُ»: {فَمَنْ يَعْمَلْ مِثْقَالَ ذَرَّةٍ خَيْرًا يَرَهُ، وَمَنْ يَعْمَلْ مِثْقَالَ ذَرَّةٍ شَرًّا يَرَهُ} [الزلزلة: 8].
[صحيح] - [متفق عليه] - [صحيح مسلم: 987]

Abu Hurayrah (may Allah be pleased with him) reported: The Messenger of Allah (may Allah's peace and blessings be upon him) said:
"No owner of gold or silver who does not pay what is due on it except that on the Day of Judgment they will be made for him sheets of fire and will be heated in the fire of Hell. His side, forehead, and back will be seared therewith. Whenever they cool down, they will be heated for him again on a day, the length of which is fifty thousand years, until judgment is pronounced among the slaves and he sees his path, either to Paradise or Hellfire."
[Authentic hadith] - [Narrated by Bukhari & Muslim] - [Sahih Muslim - 987]

Explanation

The Prophet (may Allah's peace and blessings be upon him) clarified some types of properties and mentioned the recompense of those who do not pay their Zakah on the Day of Judgment. Such properties include:
First: Gold and silver and what is similar to them, including money and commercial goods, which are subject to Zakah but were not paid. In this case, they are melted down and poured in the form of plates and heated in the fire of Hell and used to torment their owner, searing therewith his side, forehead, and back. Whenever they cool down, they are reheated, and he continues being tormented in such a way throughout the Day of Judgment, the length of which is fifty thousand years, until Allah judges between the creation and he becomes either from the dwellers of Paradise or Hellfire.
Second: The owner of camels who does not pay their Zakah and the right due on them, including milking them for the needy who are present. In this case, such camels are brought, and they are huge, fat, and more in number than they were. Their owner will be laid down, thrown, and stretched for them on the Day of Judgment on a wide, level land where they can trample him with their hooves and bite him with their teeth. Whenever the last of them passes over him, the first of them will be made to return to pass over him, and he continues being tormented in such a way throughout the Day of Judgment, the length of which is fifty thousand years, until Allah judges between the creation and he becomes either from the dwellers of Paradise or Hellfire.
Third: The owner of cows and sheep—sheep and goats—who does not pay the Zakah due on them. In this case, they are brought in great numbers, more than they were, and nothing will be missing thereof. He will be laid down, thrown, and stretched for them on the Day of Judgment on a wide level land. None of them will have a twisted horn, no horn, or a broken horn; rather, they will be in perfect shape. They will gore him with their horns and trample him with their hooves. Whenever the last of them passes over him, the first of them will be made to return to pass over him. and he will continue being tormented in such a way throughout the Day of Judgment, the length of which is fifty thousand years, until Allah judges between the creation and he becomes either from the dwellers of Paradise or Hellfire.
Fourth: The owner of horses, and he is one of three types:
First: They are a burden for him, and this is the person who keeps them for the sake of showing off, boasting, and waging war against Muslims.
Second: They are a shield for him, and this is the person who keeps them for Jihad in the cause of Allah and treats them kindly, foddering and feeding them, and lending their males for breeding.
Third: They are a reward for him, and this is the person who keeps them for Jihad in the cause of Allah for the Muslims' benefit. They are kept in a meadow and pasture to graze. Whatever they eat is recorded for him as good deeds, and their dung and urine are recorded for him as good deeds as well. They do not break their halter, i.e., the rope used for tethering them, run, and gallop in high lands, except that Allah will record for him the number of their hoof marks and their dung as good deeds. Moreover, their owner will not take them past a river from which they drink, although he did not intend to water them, except that Allah will record for him the amount of what they drink as good deeds.
Then the Prophet (may Allah's peace and blessings be upon him) was asked about donkeys and whether they are like horses.
He said: No legislation has been revealed regarding them in particular except that unique verse, which generally refers to all types of acts of obedience and sins, namely the verse in which Allah Almighty says: {So whoever does an atom’s weight of good will see it, and whoever does an atom’s weight of evil will see it.} [Surat az-Zalzalah: 7-8] So, whoever possesses donkeys as an act of obedience will attain reward for that, and whoever keeps them to commit sins will be punished for that, and this is a general ruling that includes all deeds.