# Nur Falah — Partnership Proposal

## The Sadaqah Jariyah App × Bank Trustee Model

**App:** https://moslem03.falahos.my  
**Code:** https://git.falahos.my/hermes-macbookair/nur-falah  
**Contact:** wanjauhari@gmail.com

---

## 1. What Is Nur Falah?

Nur Falah is a **free Muslim companion PWA** used by Muslims daily for prayer times, Quran, qibla, zakat calculation, and now — **perpetual charitable giving** through the Bir Nur (Well of Light) waqf system.

| Metric | Current |
|---|---|
| Features | 16 (Prayer · Qibla · Quran · Hijri · Tasbih · 99 Names · Food · Scan · ZakatCalc · Events · Mosques · Dua · Hifdh · Track · **Bir Nur Waqf** · Support) |
| Platform | PWA (no app store needed) |
| Deployment | Docker Swarm + Traefik + Let's Encrypt |
| Monthly Active Users | Growing organically |

**Core philosophy:** The app is **sadaqah jariyah** — ongoing charity. Free forever. Funded by:

1. **User giving** (zakat, sadaqah, waqf) flowing through a regulated bank trustee
2. **Bank/eWallet sponsorships** (co-branding and white-label partnerships)

---

## 2. The Win-Win Model

```
                    ┌──────────────────────────┐
                    │     NUR FALAH APP         │
                    │  Free · 16 features       │
                    │  5× daily engagement      │
                    └──────────┬───────────────┘
                               │
          ┌────────────────────┼────────────────────┐
          │                    │                    │
          ▼                    ▼                    ▼
   ┌──────────────┐    ┌──────────────┐    ┌──────────────┐
   │  BANK AS      │    │  eWALLET AS   │    │  SPONSOR     │
   │  TRUSTEE      │    │  DISTRIBUTOR  │    │  BRAND       │
   │               │    │              │    │              │
   │  Holds waqf   │    │  Embed app   │    │  Co-branded  │
   │  Manages      │    │  in wallet   │    │  white-label │
   │  investments  │    │  Add sadaqah │    │  PWA         │
   │  Distributes  │    │  tx flow     │    │              │
   │  Reports      │    │              │    │              │
   └──────────────┘    └──────────────┘    └──────────────┘
```

### What Each Partner Gets

| Partner Type | Value from Nur Falah | What They Give |
|---|---|---|
| **Islamic Bank** (Trustee) | • 5× daily brand engagement<br>• New account openings (CPA)<br>• Waqf pool growth (AUM)<br>• CSR/ESG metrics<br>• Muslim customer acquisition | • Monthly sponsorship fee<br>• Waqf management infrastructure<br>• Shariah committee approval<br>• Customer base marketing |
| **eWallet** (Distributor) | • Prayer times in-app = daily opens<br>• Sadaqah tx volume<br>• Halal positioning<br>• User retention | • Integration fee<br>• Revenue share on tx<br>• Marketing campaigns |
| **Sponsor Brand** | • White-label PWA<br>• Full brand control<br>• Dedicated user base | • Monthly SaaS fee<br>• CPA per conversion |

---

## 3. Partnership Tiers

### Tier 1 — Bank Trustee (Flagship)

**Best for:** Maybank Islamic, Bank Muamalat, Al Rajhi Malaysia, Tabung Haji

The bank becomes the official **Nazir/Mutawalli** (trustee) for all zakat, sadaqah, and waqf funds flowing through Nur Falah.

#### Bank's Role

| Responsibility | Detail |
|---|---|
| **Fund custody** | All user donations flow directly to the bank's Shariah-compliant account |
| **Waqf investment** | Pool cash waqf into Shariah assets (sukuk, Islamic REITs, agri-funds) |
| **Distribution** | Channel returns to verified asnaf/charity partners |
| **Reporting** | Provide per-user dashboard data: principal, growth, distributions |
| **Shariah audit** | Annual Shariah compliance certificate |
| **Marketing** | Promote the app to the bank's Islamic banking customer base |

#### What the Bank Gets

| Asset | Detail |
|---|---|
| **5× daily brand engagement** | 5 prayer notifications = 5 branded touchpoints per user per day |
| **New account pipeline** | ZakatCalc → "Open an account to pay zakat" conversion funnel |
| **Waqf AUM growth** | Pooled cash waqf managed by the bank = fee-generating assets under management |
| **CSR/ESG metrics** | "RM X in charitable giving distributed through our waqf program" |
| **Digital leadership** | "Malaysia's first waqf-enabled digital lifestyle app" positioning |
| **Co-branded PWA** | `prayer.[bank].com.my` — fully branded version |

#### Pricing

| Component | Amount | Notes |
|---|---|---|
| Monthly sponsorship | RM 15,000 – 25,000 | Covers dev, hosting, updates |
| CPA per account opened | RM 50 – 150 | New Islamic savings/current accounts |
| Waqf management fee share | 10 – 20% of bank's fee | On the bank's waqf management fee |
| Annual minimum | RM 180,000 – 300,000 | 12-month commitment |

#### Success Metrics (Year 1)

| Metric | Conservative | Target |
|---|---|---|
| App MAU | 20,000 | 50,000 |
| New bank accounts via app | 500 | 2,000 |
| Waqf pool collected | RM 100K | RM 500K |
| Zakat/sadaqah flowing through bank | RM 500K | RM 2M |

---

### Tier 2 — eWallet Integration

**Best for:** Touch 'n Go eWallet (30M users), GrabPay (20M users), ShopeePay (25M users), Boost (10M users)

The eWallet embeds prayer times + qibla as a mini-app, with integrated sadaqah giving.

#### eWallet's Role

| Responsibility | Detail |
|---|---|
| **Integration** | Embed the PWA as a mini-app in the eWallet |
| **Sadaqah flow** | Users donate via eWallet balance → flows to bank trustee |
| **Marketing** | Promote "Muslim Companion by [eWallet]" to user base |
| **Halal merchant tagging** | Identify halal merchants for integrated payments |

#### What the eWallet Gets

| Asset | Detail |
|---|---|
| **5× daily opens** | Prayer reminders = daily engagement boost |
| **Sadaqah tx volume** | Micro-donations = payment volume |
| **Halal positioning** | "The Muslim-friendly eWallet" brand differentiation |
| **User retention** | Companion features reduce churn |

#### Pricing

| Component | Amount | Notes |
|---|---|---|
| Annual sponsorship | RM 50,000 – 100,000 | Fixed fee, no volume dependency |
| Revenue share | 0.5 – 1% | On sadaqah/waqf transaction volume |
| Co-marketing budget | RM 20,000 – 50,000 | Joint campaigns (Ramadan, Eid, Hajj) |

---

### Tier 3 — UK Islamic Bank (Al Rayyan / Gatehouse)

**Best for:** Al Rayyan Bank (London), Gatehouse Bank, BLME

UK version with local prayer times, GBP zakat calculator, and UK-regulated waqf/charity account.

#### UK-Specific Features

| Feature | Detail |
|---|---|
| Prayer times | London, Birmingham, Manchester, Bradford, Glasgow |
| Zakat calculator | GBP (£), UK nisab (BoE gold/silver prices), HMRC tax relief |
| Cash waqf | GBP-denominated, invested in UK Shariah assets (UK Sukuk, Islamic REITs) |
| Sadaqah | Donate to UK-registered Islamic charities vetted by the bank |
| Hibah | UK inheritance tax planning (IHT) + Islamic will |

#### Pricing

| Component | Amount |
|---|---|
| Monthly sponsorship | £3,000 – 5,000 |
| CPA per charity account opened | £5 – 10 |
| Waqf management fee share | 10 – 15% |

---

## 4. Targeted Pitches

### Maybank Islamic

> *"You have 5M Islamic banking customers who open MAE 3× a month. We offer 5× daily engagement inside a Muslim companion that we give away for free as sadaqah. Your existing waqf product (Mutiara Waqf / Sadaqah House) needs a digital front-end. Nur Falah IS that front-end. Your customers can: calculate zakat → pay through Maybank → get tax receipt. Endow a waqf → Maybank manages → user watches their 'well' grow. All inside an app they already check 5× a day."*

**Best entry point:** Maybank Islamic Marketing / Digital Banking team

---

### Bank Muamalat ATLAS

> *"Your ATLAS digital bank launched in June 2025 as Malaysia's first faith-aligned digital bank. Faith without giving is incomplete. Make ATLAS the first digital bank where users can waqf, zakat, and sadaqah with full transparency. Nur Falah is your lifestyle front-end. You are the waqafa (trustee). Together: Malaysia's first waqf-enabled digital bank."*

**Best entry point:** ATLAS product team (most receptive — actively building ecosystem)

---

### Al Rajhi Bank Malaysia

> *"You proved this model works when you partnered with TheNoor in 2023. Now deepen it. Instead of just ads, let your users give zakat and endow waqf through the app with you as the trustee. Rize digital bank + Nur Falah = daily engagement + charitable fund flow through your banking system. TheNoor gave you 2.8M users. We give you daily engagement PLUS actual charitable assets under management."*

**Best entry point:** Partnership / Business Development team (existing precedent)

---

### Tabung Haji

> *"Your depositors already pray 5× a day. Give them a companion app that connects their prayer time to their hajj savings. And Bir Nur: let them endow part of their savings as waqf — perpetual benefit, continuous reward. The app is free. We only need your sponsorship and your trust as the waqf manager."*

**Best entry point:** THiJARI digital team

---

### Touch 'n Go eWallet

> *"30 million users. Zero Muslim companion features. Add prayer times + sadaqah as a TNG mini-app. Users check prayer times 5× a day = TNG opens 5× a day. One-tap sadaqah from TNG balance = micro-donation volume. No development cost — we provide the PWA. You provide the distribution."*

**Best entry point:** Partnership team / New Initiatives

---

### Al Rayyan Bank (UK)

> *"4 million British Muslims. Zero Muslim companion apps with embedded Islamic banking. You already have an Islamic Charity Account product. Give British Muslims a free app with London prayer times, zakat calculation in GBP, and Bir Nur waqf in pounds — managed by you, Shariah-audited by you, creating perpetual benefit for UK Muslim communities. The app is free. You sponsor it, you trustee it, you own the charitable relationship."*

**Best entry point:** Retail Banking / Marketing team

---

## 5. Technical Integration Effort

| Partner Type | Effort | Timeline | Nur Falah Work | Partner Work |
|---|---|---|---|---|
| **Bank Trustee** (full integration) | 4-8 weeks | Month 1-2 | Build payment API, waqf dashboard API, zakat receipt, Hibah legal docs | Provide API endpoints, Shariah approval, legal framework, customer marketing |
| **Bank Trustee** (lite — Polar.sh redirect) | 1-2 weeks | Immediate | Add "Pay via [Bank]" button → Polar.sh checkout with bank flag | Provide branding, marketing approval |
| **eWallet mini-app** | 2-4 weeks | Month 2-3 | PWA embed code, sadaqah API, iframe/popup | Provide SDK, integration review, marketing campaign |
| **UK Bank** | 6-10 weeks | Month 3-5 | UK-specific features, GBP, local APIs, tax relief forms | UK banking license, FCA compliance, Shariah board approval |

---

## 6. The Urgency (Why Now)

| Factor | Detail |
|---|---|
| **Bank Muamalat ATLAS** | Launched June 2025 — actively seeking ecosystem partners. Window closes as they mature. |
| **Al Rajhi precedent** | TheNoor deal in 2023 proved the model. Renewal opportunity for Al Rajhi. |
| **First-mover in waqf** | No Muslim app offers transparent, bank-trusteed cash waqf. First to market wins. |
| **Ramadan 2027** | 7 months away. Peak giving season. Partners who sign now benefit from Ramadan campaign. |
| **No technical risk** | PWA is built, tested, deployed. No app store. Instant onboarding. |

---

## 7. Appendix: The Bir Nur Dashboard (Live Demo)

See the live experience at **https://moslem03.falahos.my** (tab: ⛲ WAQF)

The end-to-end flow is fully functional:

1. User opens Bir Nur → reads the story of Uthman's Well and Abdur Rahman bin Auf
2. Clicks "Configure Your Well" → names their waqf, selects well type (Date Palm / Water / Knowledge / Healing / Shelter / General)
3. Sets amount → allocates returns across causes (Orphans, Education, Healthcare, etc.)
4. Enters email → registers interest
5. Sees preview dashboard: well bar (principal intact), water bar (returns flowing), per-cause breakdown
6. Receives confirmation: "Your well is registered. Your reward continues forever."

The only missing piece is the bank's payment API and actual waqf management backend.