{
  "title": "The Digital Waqif: Waqf, Faraid, and the Architecture of Legacy",
  "subtitle": "10 Clauses of the Digital Will & Endowment — What Happens to Your Wealth When You Die",
  "author": "Jauhari Che Wan",
  "style": "Will & Testament Playbook — Clause-Driven Legacy Architecture",
  "dual_mentors": {
    "FARADI": "Inheritance Jurist (Ilm al-Faraid). Voice: 'The shares are not yours to design. God designed them. Your job is execution, not imagination. The fractions are fixed. The justice is in the execution.' Frameworks: Surah An-Nisa 4:11-12, 4:176; Ashab al-Furud (fixed-share heirs); Awl and Radd; Wasiyyah 1/3 rule; Classical Faraid jurisprudence.",
    "WAQIF": "Endowment Architect (Waqf builder). Voice: 'Perpetuity is a decision, not a wish. Every great legacy was a clause someone wrote while alive. You can't take it with you — but you can send it ahead.' Frameworks: Waqf jurisprudence; Sahih al-Bukhari (Umar's palm grove at Khaybar); Habous tradition; Sadaqah Jariyah; modern tokenized endowments, on-chain waqf, smart-contract estates."
  },
  "sources": [
    "Surah An-Nisa 4:11-12 — The Faraid Matrix",
    "Surah An-Nisa 4:176 — The Kalala verse",
    "Sahih al-Bukhari — Hadith of Umar's palm grove (waqf)",
    "Sahih Muslim — The three exits of wealth",
    "Surah Al-Baqarah 2:180 — The bequest obligation",
    "Classical Faraid texts (Ilm al-Faraid)",
    "Waqf jurisprudence — classical waqf deeds",
    "Modern digital estate planning — crypto custody, seed phrases, multi-sig",
    "Tokenized endowment / on-chain waqf projects"
  ],
  "playbook_format": "Each chapter = 1 CLAUSE of the Digital Will & Endowment → The Clause → The Nass → FARADI's Reading → WAQIF's Reading → The Declaration → The Execution → Hisbah",
  "clauses": [
    {
      "id": 1,
      "title": "Clause 1: The Wasiyyah — The Will That God Commanded",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → The Will as Sunnah",
      "framework": "Wasiyyah Quadrant: Mandatory / Recommended / Permitted / Nullified — the 1/3 cap",
      "nass_prompt": "Surah Al-Baqarah 2:180 (the bequest obligation) and the hadith of the 1/3 cap (Sa'd ibn Abi Waqqas). Why does Shariah cap the will at 1/3? What happens to the estate without a will?",
      "faradi_prompt": "FARADI: Why is the wasiyyah mandatory in classical fiqh? What are the technical conditions (shurut) of a valid will — witnesses, capacity, no bequest to an heir?",
      "waqif_prompt": "WAQIF: Why is the will the *first* instrument of legacy, not the last? How does the 1/3 create the 'space of design' within the 'space of justice'?"
    },
    {
      "id": 2,
      "title": "Clause 2: The Faraid Matrix — The Fixed Shares Decoded",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → God's Distribution Algorithm",
      "framework": "Faraid Matrix: Ashab al-Furud / 1/2, 1/4, 1/8, 2/3, 1/3, 1/6 — the Quranic fractions",
      "nass_prompt": "Surah An-Nisa 4:11-12 in full — the fixed shares for children, spouses, parents, siblings. And 4:176 (al-Kalala). Why are the shares fractions, not amounts? What does the 'asabah (residuary) rule complete?",
      "faradi_prompt": "FARADI: Walk through a real faraid computation. Why does the daughter get 1/2 and the son 2/1 ratio? Why does the wife get 1/4 (no children) or 1/8 (with children)? What is awl (proportional reduction) and radd (reversion)?",
      "waqif_prompt": "WAQIF: How does the fixed matrix *free* you from designing justice? If justice is guaranteed by God, your design work is only on the 1/3. What does that do to your planning?"
    },
    {
      "id": 3,
      "title": "Clause 3: The Waqf — The Three Exits of Wealth",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → Wasiyyah vs Waqf vs Gift",
      "framework": "Exit Quadrant: Wasiyyah (post-death, capped 1/3) / Waqf (inter vivos, perpetual) / Hibah (gift, immediate) / Inheritance (faraid)",
      "nass_prompt": "The hadith of Umar's palm grove at Khaybar (Sahih al-Bukhari) — the first waqf. The hadith of Ibn Umar: 'When a man dies, his deeds end except three: ongoing charity (sadaqah jariyah), beneficial knowledge, and a righteous child who prays for him.'",
      "faradi_prompt": "FARADI: Why does waqf remove wealth from the faraid pool? What are the limits — can you waqf everything and leave heirs with nothing? Classical rulings on excessive waqf vs heirs' rights.",
      "waqif_prompt": "WAQIF: What is the anatomy of a waqf deed? Corpus vs usufruct — the tree that can never be cut, the fruit that flows forever. How do you design an endowment that outlives you by centuries?"
    },
    {
      "id": 4,
      "title": "Clause 4: The Digital Kingdom — Inventorying the Invisible Estate",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → The Estate Nobody Can See",
      "framework": "Digital Inventory: Crypto / Domains / IP / SaaS / DAO memberships / Social accounts / Digital business",
      "nass_prompt": "What is 'wealth' (mal) in Islamic law? Does the digital kingdom count? Classical jurists on the definition of mal — and the modern extension to digital assets, data, and accounts with value.",
      "faradi_prompt": "FARADI: Faraid can only distribute what is *found*. If no inventory exists, the estate is lost before distribution. What is the executor's duty of discovery?",
      "waqif_prompt": "WAQIF: A legacy you cannot list is a legacy you cannot endow. Walk through the full digital inventory: wallets, exchanges, domain registrars, cloud accounts, code repos, AI models you trained, content libraries."
    },
    {
      "id": 5,
      "title": "Clause 5: The Keys — Custody, Seed Phrases, and the Executor Who Cannot Be Bribed",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → Access Is the Whole Game",
      "framework": "Custody Quadrant: Hot / Cold / Multi-sig / Inherited — the key hierarchy and dead-man switches",
      "nass_prompt": "The hadith on trust (amanah) and returning what is entrusted. How does classical trust law map to crypto custody? What does 'the hand that holds is the hand that owns' mean for key custody?",
      "faradi_prompt": "FARADI: If the private key dies with you, the asset is *legally nonexistent* — no faraid can reach it. What is the ethical duty of the asset holder to make the estate discoverable?",
      "waqif_prompt": "WAQIF: Design the key ceremony: multi-sig heirs, time-locked vaults, dead-man switches, a succession document that is not a security risk while you live. Trusted third party vs decentralized inheritance."
    },
    {
      "id": 6,
      "title": "Clause 6: The Amil — Choosing the Executor of the Digital Estate",
      "subtitle": "Maqasid: Hifz al-Din (Preservation of Purpose) → The Executor as Deputy of the Waqif",
      "framework": "Executor Quadrant: Family / Professional / Institutional / Hybrid — duties, fees, and hisbah",
      "nass_prompt": "The hadith: 'The trustee is not liable for what is not his fault.' Classical rulings on the executor (wasi) of the will — who can serve, what are the duties, what breaks the trust.",
      "faradi_prompt": "FARADI: The executor executes *your* will but distributes *God's* shares. What happens when the executor is incompetent, corrupt, or conflicted? The hisbah (accountability) of the executor.",
      "waqif_prompt": "WAQIF: The executor is the deputy of the waqif — the person who enforces your design after you cannot. How do you choose between family (knows you) and professionals (know the law)? The hybrid: family + lawyer + crypto-savvy adviser."
    },
    {
      "id": 7,
      "title": "Clause 7: The Purification — Debt, Zakat, and Cleaning the Estate Before Distribution",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → The Estate Must Be Clean Before It Is Shared",
      "framework": "Purification Order: Burial expenses → Debts → Wasiyyah (1/3) → Faraid — the classical priority sequence",
      "nass_prompt": "The classical rule: the estate is processed in strict order — funeral expenses, then debts, then the wasiyyah, then faraid. The hadith: 'The soul of a believer is held hostage by his debt.' Zakat due on the estate before distribution.",
      "faradi_prompt": "FARADI: Why do debts precede the will? Why does the will precede inheritance? What about hidden digital debts — subscriptions, exchange margin loans, unpaid taxes on crypto gains?",
      "waqif_prompt": "WAQIF: A waqf built on debt is a lie. What is the zakat on digital assets (20% on trade gains, 2.5% on holdings)? How does purification become part of the legacy architecture — endowing only what is clean?"
    },
    {
      "id": 8,
      "title": "Clause 8: The Token — Smart-Contract Faraid and On-Chain Waqf",
      "subtitle": "Maqasid: Hifz al-Mal (Preservation of Wealth) → The Code That Distributes What We Cannot",
      "framework": "Tokenization Quadrant: Smart wills / Multi-sig executors / Time-locked waqf / On-chain sadaqah jariyah",
      "nass_prompt": "The hadith of the ongoing charity (sadaqah jariyah). How does tokenization serve the classical waqf structure — immutable corpus, perpetual usufruct, transparent revenue?",
      "faradi_prompt": "FARADI: Can code replace the executor? What are the limits — smart contracts execute the *mechanics* of faraid but who verifies the *facts* (who are the heirs, what is the estate)? The oracle problem in Islamic law.",
      "waqif_prompt": "WAQIF: Design the on-chain waqf: corpus locked in a contract, yield flowing to named causes, governance by a board of trustees. Real examples: DAO treasuries as endowments, tokenized waqf pilots. What breaks? What works?"
    },
    {
      "id": 9,
      "title": "Clause 9: The Successor — Business Continuity for the Digital Kingdom",
      "subtitle": "Maqasid: Hifz al-Nasl (Preservation of Community) → The Business That Survives Its Founder",
      "framework": "Continuity Quadrant: Sole proprietor / Partnership / Company / Waqf-owned — the org forms and their death behavior",
      "nass_prompt": "Classical partnership (shirkah) and mudarabah law — what happens to a business when a partner dies? The rules of business succession in classical fiqh.",
      "faradi_prompt": "FARADI: A business is an asset like any other — but it is *shared* faraid property with employees, clients, and debts attached. How do you divide a company among heirs without killing it?",
      "waqif_prompt": "WAQIF: The strongest succession: make the business itself a waqf. Employee-benefit waqfs, founder-purpose endowments, community-owned companies. Your company becomes your sadaqah jariyah."
    },
    {
      "id": 10,
      "title": "Clause 10: The Perpetuity — The Eternal Contract of the Digital Waqif",
      "subtitle": "Maqasid: Hifz al-Din (Preservation of Purpose) → From Legacy to Ongoing Charity",
      "framework": "Perpetuity Quadrant: Exit / Inheritance / Waqf / Sadaqah Jariyah — the four endings of a life's work",
      "nass_prompt": "The hadith of the three ongoing deeds: sadaqah jariyah, beneficial knowledge, righteous child. The waqf deed of classical endowments that ran for centuries — how they survived empires.",
      "faradi_prompt": "FARADI: The final balance: faraid protects the family, waqf extends the purpose, wasiyyah connects both. What does a *complete* estate look like when all three work together?",
      "waqif_prompt": "WAQIF: The digital waqif's covenant: your code, your content, your company, your coins — each assigned to a purpose that outlives you. The final clause: what do you want written on the deed of your life?"
    }
  ]
}