From 2b022cbcc30535758ba04107d06edfeec449704d Mon Sep 17 00:00:00 2001 From: Wmj Ismail Date: Fri, 14 Aug 2026 11:50:01 +0800 Subject: [PATCH] docs: add competitive benchmark vs 5 Islamic estate-planning apps Compares Nur Falah against Legacy Logic, MyPusaka, My Islamic Wills, True Wills, and Rafiq. Identifies 5 gaps: legally-filable will output, Zakat calculator, multi-madhab Faraid support, human advisor tier, AI guidance. --- COMPETITIVE_BENCHMARK.md | 71 ++++++++++++++++++++++++++++++++++++++++ 1 file changed, 71 insertions(+) create mode 100644 COMPETITIVE_BENCHMARK.md diff --git a/COMPETITIVE_BENCHMARK.md b/COMPETITIVE_BENCHMARK.md new file mode 100644 index 0000000..971a1d5 --- /dev/null +++ b/COMPETITIVE_BENCHMARK.md @@ -0,0 +1,71 @@ +# Nur Falah vs. 5 Islamic Estate-Planning Competitors + +Compared against: Legacy Logic / Al Yusra+ (Malaysia, AI-powered), MyPusaka / Wasiyyah Shoppe +(Malaysia, legacy incumbent), My Islamic Wills (UK), True Wills (UK), Rafiq Islamic Finance OS +(US/global fintech). + +## Feature matrix + +| Capability | Nur Falah | Legacy Logic | MyPusaka | My Islamic Wills | True Wills | Rafiq | +|---|---|---|---|---|---|---| +| Faraid calculator | Yes | Yes (via report) | Yes | Partial | Partial | No | +| Wassiyah (1/3 cap enforced) | Yes, per-member | Yes | Yes | Yes | Yes | No | +| Hibah tracking | Yes | Yes | Yes | No | No | No | +| Family Waqf | Yes | Partial | Yes | No | No | No | +| Legally-filable Will document | No | Yes | Yes | Yes | Yes | No | +| Human lawyer/consultant tier | No | Yes | Yes | Yes | Yes | No | +| Multi-user family account w/ roles (owner/agent/member) | Yes | No | No | No | No | No | +| Death trigger + attestor workflow | Yes, dual-attestor, per-member | No | No | No | No | No | +| Automated heir email notification | Yes | No | No | No | No | No | +| Mutawalli/trustee live dashboard | Yes | No | No | No | No | No | +| Family genealogy/tree with photos | Yes | No | No | No | No | No | +| Coverage % dashboard (asset-by-instrument) | Yes | Partial (static report) | No | No | No | No | +| Insurance/Takaful tracking | Yes | Yes | No | No | No | No | +| Liabilities/debt tracking | Yes | Yes | No | No | No | No | +| Asset ownership verification (proof docs + confirm) | Yes | No | No | No | No | No | +| Zakat calculator | No | No | No | No | No | Yes | +| Multi-madhab support | No (single ruleset) | No | No | No | No | Yes (5 schools) | +| AI guidance / recommendations | No | Yes | No | No | No | Yes | +| Bank/brokerage account linking | No (explicitly out of scope) | No | No | No | No | Yes (Plaid) | +| Paid pricing / commercial tier | No (demo) | Yes | Yes | Yes (GBP 98-350) | Yes (GBP 98-350) | Yes (freemium) | + +## Where Nur Falah leads + +None of the five competitors treat estate planning as a living, multi-person, +collaboratively-administered system. All five are single-user "fill in a form, get a PDF" +products — a static document written once and hoped to be found later. Nur Falah's +differentiators: + +- **Family-shared accounts with real RBAC** (owner/agent/member, enforced via RLS) — every + competitor is one account, one estate. +- **A trigger mechanism that actually does something** — dual-attestor confirmation, per-member + death triggers, and automated heir email notification. Competitors stop at "here's your will + PDF"; none automate what happens *after* death. +- **A live mutawalli dashboard** — ongoing administration, not a one-time document. +- **Coverage %, genealogy tree, insurance/liabilities, asset verification** — this granularity + does not exist anywhere else in the set. + +## Gaps to close + +1. **No legally-filable Will output.** The single biggest gap — every commercial competitor's + core deliverable is a document that can be taken to a lawyer/court/Amanah Raya. Nur Falah + generates coverage data and "execution packets," not a notarizable legal instrument. +2. **No Zakat calculator.** Increasingly table-stakes for this category (Rafiq's core pitch), + and a natural extension of the existing Asset Registry. +3. **Single madhab assumption.** The Faraid calculator doesn't expose or let a user pick a + school of jurisprudence — Rafiq's explicit 5-school support is a credibility signal worth + matching for a global (not just Malaysia) audience. +4. **No human-in-the-loop / professional tier.** Every competitor pairs software with a lawyer + or consultant. +5. **No AI guidance layer.** Legacy Logic's "personalized report" and Rafiq's contextual + coaching both nudge users toward gaps in plain language; Nur Falah's Coverage Dashboard shows + the gap but doesn't recommend what to do about it beyond static info panels. + +## Sources + +- https://www.createwills.my/legacy-logic-malaysias-first-ai-powered-estate-planning-tool-for-islamic-conventional-wills/ +- https://mypusaka.online/home/ +- https://truewills.co.uk/about/ +- https://myislamicwills.co.uk/ +- https://apps.apple.com/us/app/rafiq-islamic-finance-os/id6757416672 +- https://rockwills.com/islamic-estate-planning-in-malaysia-secure-shariah-compliant-wealth-distribution/