nur-falah/PARTNERSHIP-PROPOSAL.md

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

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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)

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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 • New account openings (CPA) • Waqf pool growth (AUM) • CSR/ESG metrics • Muslim customer acquisition	• Monthly sponsorship fee • Waqf management infrastructure • Shariah committee approval • Customer base marketing
eWallet (Distributor)	• Prayer times in-app = daily opens • Sadaqah tx volume • Halal positioning • User retention	• Integration fee • Revenue share on tx • Marketing campaigns
Sponsor Brand	• White-label PWA • Full brand control • Dedicated user base	• Monthly SaaS fee • CPA per conversion

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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

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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)

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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%

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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

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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)

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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)

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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

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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

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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

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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

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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.

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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.