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.
