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