Same gap as land parcels: business assets were routed into the generic
trust fields (trustee/successor/beneficiaries), which don't fit — a
business needs a continuity instrument, not a trustee holding title.
New "business-continuity" channel in Nomination Registry, modelled on the
digital-waqif docs repo's own business-succession framework (Clause 9):
- Structure selector (sole proprietorship / partnership / company). Sole
proprietorship surfaces an explicit warning: it legally dies with the
owner, so the only fast-path options are converting to a company or
dedicating as a waqf-owned enterprise.
- Instrument selector: partnership continuation clause, shareholder
buy-sell agreement (the standard fast-path for company shares, often
Takaful-funded), or a direct redirect to Family Waqf Designator for a
waqf-owned enterprise (nothing duplicated here — reuses that module).
- Dedicated business-continuity-draft.txt export, same treatment as the
trust deed and waqfiyya exports.
- Death Trigger packet text updated with the business-specific execution
action (execute buy-sell / continuation clause, file Takaful claim if
funded — a private agreement between owners, not a probate filing).
e2e-business.cjs: new suite covering exposed->warning->instrument
selection->export->100% coverage->execution packet, plus the
waqf-enterprise redirect disabling the Add button. 10/10 passing.
Re-verified e2e-uat.cjs (32/32), e2e-fastpath.cjs (16/16), and
e2e-trust.cjs (12/12) — 70/70 total, no regressions.
Nomination Registry's "trust" channel type previously reused the same
nominee/institution fields as EPF/Takaful/bank nominations — wrong shape
for a trust, which needs a trustee (and successor) holding title, not a
beneficiary named on a policy. Coverage math already counted any
nomination-type entry as fast-path regardless of shape, so land parcels
were silently "covered" without the actual structure a trust requires.
Now: selecting "trust" swaps in trustee/successor-trustee/beneficiaries
fields, and adds a dedicated trust-setup drafting-aid export (same
treatment as the Waqf deed export) explaining what still needs a real
trust company/lawyer to execute.
e2e-trust.cjs: new suite verifying the full path for a land parcel —
exposed -> trust suggestion -> trustee fields -> deed export -> coverage
flips to 100% -> death trigger generates its execution packet. 12/12
passing. Re-verified e2e-uat.cjs (32/32) and e2e-fastpath.cjs (16/16)
with no regressions.
Product direction clarified: Faraid/probate court adjudication is what takes
~2 years. Assets already moved out of the estate before death (via completed
Hibah, dedicated Waqf, or a legally-direct nomination channel) are never in
that queue — there's nothing for a court to adjudicate. The app's job is to
maximize what's covered by those instruments and make the death-triggered
payout fast for whatever is covered.
New:
- nonprobate.js: coverage model — classifies each Asset Registry entry by
fast-path channel (hibah/waqf/nomination) vs exposed (faraid/probate).
- CoverageDashboard.svelte: the single number that matters — % of estate
that bypasses Faraid entirely, with per-asset next-step suggestions.
- NominationRegistry.svelte: third fast-path channel for assets that can't
be fully gifted/waqf'd — EPF (EPF Act 1991 s.51), Takaful/insurance
(Insurance Act 1996 s.166), bank death-mandate, trust/nominee holding.
- DeathTrigger.svelte: the execution layer. Multi-attestor threshold +
death certificate reference fires the trigger; generates a ready-to-file
execution packet per covered asset, pre-filled from Hibah/Waqf/Nomination
records. Explicitly scoped: this app cannot itself move money or transfer
title, but removes missing-paperwork/ambiguity as a source of delay so
institutions can act in days instead of stacking behind a probate queue.
Changed:
- HibahTracker/FamilyWaqfDesignator: now link to a specific Asset Registry
entry so coverage can be computed; fast-path explanation added to both.
- WassiyahGenerator: explicit warning that a wassiyah does NOT bypass
probate — it's a post-death instrument, only appropriate for the
discretionary one-third, not a fast-track vehicle. Users were previously
not told this distinction.
- FaraidCalculator: reframed as informational-only, showing what applies to
whatever remains uncovered — not itself a mechanism.
e2e-fastpath.cjs: new Playwright suite covering the full mechanism
end-to-end (coverage 0%->100%, nomination, multi-attestor trigger threshold,
execution packet generation) — 16/16 passing. Original e2e-uat.cjs suite
re-verified at 32/32 with no regressions.
- App.svelte: language toggle (EN/BM) wired to existing i18n.js store,
header tagline reflects selection. Was previously dead code with no
UI control (found by e2e-uat.cjs during full-flow UAT).
- e2e-uat.cjs: Playwright-driven E2E UAT against the live deployment —
real clicks/typing through all 7 tabs, faraid textbook-case
verification, heir-exclusion blocking, marad al-mawt guard, 1/3 cap
override flow, claim issuance/transfer, export/delete-all guards,
PWA and console-error checks.
Svelte 5 + Vite PWA, styled to match moslem03.falahos.my's design system.
Horizon 1: Faraid Calculator (shared calc core, 14 classical cases passing),
Asset Registry, Wassiyah Generator (1/3 meter + heir-exclusion block),
Hibah Tracker and Family Waqf Designator (shared marad al-mawt guardrail).
Horizon 2: Digital Beneficial Claims — local non-custodial demo of the claim
model and transfer restriction only.
Two governance gates in this project's own PRDs were overridden per explicit
product direction, and are flagged in-app and in README.md / deploy/DEPLOY.md
rather than silently shipped as production-ready:
- Family Waqf Designator ships ahead of scholarly sign-off (OPEN-01 in
scholarly-review-log.md remains unresolved).
- Horizon 2 ships ahead of the PRD's stated Phase 0 gate (legal opinion +
signed institutional partner) with no confirmation that gate is cleared.
wmj