Commit Graph

10 Commits

Author SHA1 Message Date
wmj 9eb2ce7ce3 Per-member estate model: each family member authors their own Wassiyah/Waqf,
mutawalli executes on any member's trigger, heir email notification

Per explicit product direction: "all members of the family can make their
own wassiyah or waqif. The mutawali or the trustee agent can access and
execute those wassiyah and waqif upon any event triggers. Warith or the
heir will be automatically notified via email."

Schema: nf_family_members.role now includes 'member' (authors own documents,
doesn't manage the family). nf_wassiyah_settings/nf_wassiyah_bequests/
nf_waqf_designations gained author_id — each is now per-author, not
per-family. Added recipient_email / beneficiary_email columns for warith
notification targets. New nf_member_triggers (composite PK family_id+
member_id) and nf_member_attestors: a per-member death trigger, separate
from the legacy family-wide nf_death_triggers (kept for backward
compatibility, still exercised by existing suites).

RLS: any family member can READ any other member's Wassiyah/Waqf (the
mutawalli needs full visibility to execute), but only the document's own
author can WRITE to it — not even the owner. Firing a member's trigger
requires the caller to have role agent/owner AND not be the member
themselves (enforced in the policy's WITH CHECK, not just the UI) — matches
"the mutawalli executes, never for themselves."

New UI: FamilyManagement gained a role selector (member vs agent) on
invites. New MutawalliDashboard.svelte — the trustee's execution surface:
pick any family member, see their Wassiyah/Waqf read-only, set up
attestors + death cert ref, fire their trigger (blocked for self both by
disabled UI and by RLS), then trigger heir email notifications.

Edge Function notify-heirs deployed (Deno, uses Resend): reads the
triggered member's Wassiyah recipients and Waqf beneficiaries wherever an
email was recorded, sends each a notice. Returns a clear 501 rather than
failing silently until RESEND_API_KEY is set as a project secret.

Three real bugs found via testing against the live backend, not visible
from code review alone:
- listFamilyMembers() never selected user_id — every member-scoped lookup
  on the new dashboard was silently keying off undefined.
- nf_member_triggers keyed by member_id alone: since a person can belong
  to multiple families, firing a trigger in one family marked them
  "triggered" in every other family they belong to. Fixed to composite
  (family_id, member_id) key.
- Classic Svelte 5 $state pitfall: (proxyObject[key] ??= []).push(item)
  mutates the plain array literal the ??= expression evaluates to, not
  the proxy-wrapped array Svelte actually tracks — so pushed items were
  silently invisible to the UI forever. Fixed by building on a plain
  object and assigning to the $state variable once. Also found and fixed
  the same design smell in the older WassiyahGenerator/FamilyWaqfDesignator
  authorId handling: it was snapshotted once via currentUser()?.id at
  mount instead of read live off the session store, which could silently
  break writes on a remount that happened before session hydration
  finished — now reads live and guards refresh() on it being present.

CoverageDashboard and DeathTrigger updated to check ANY family member's
Waqf corpus for coverage (not just one author's), since coverage is a
family-wide view even though authorship is per-member now.

e2e-per-member.cjs: new suite covering the full flow — owner invites a
member and an agent; member authors a private Wassiyah (invisible to
other members, confirming per-author isolation); mutawalli sees it on
their dashboard and fires the member's trigger; member cannot fire their
own; heir notification call completes with either Sent or a clear
"not configured" failure, never hangs. 11/11 passing.

Full regression sweep after these changes: e2e-uat 32/32 (stable across
3 consecutive runs), e2e-fastpath 16/16, e2e-trust 12/12, e2e-business
10/10, e2e-digital-vehicle 10/10, e2e-property 9/9, e2e-other 4/4,
e2e-info 31/31, e2e-family-agent 12/12 (updated for the new invite-form
role selector), e2e-per-member 11/11 — 178/178 total, no regressions.
2026-08-14 05:51:46 +08:00
wmj b9a98bd97a Restore all 8 pre-auth E2E suites with a sign-in prelude; fix bugs they found
New e2e-auth-helper.cjs: shared signInFreshFamily() prelude — signs in as
the confirmed test owner account and creates a uniquely-named family per
run, so accumulated data from a previous run's assets/hibah/etc. (now
persisted in Supabase, not wiped with the browser context like localStorage
was) can never bleed into another run's percentage/coverage assertions.
All 8 suites (e2e-uat, e2e-fastpath, e2e-trust, e2e-business,
e2e-digital-vehicle, e2e-property, e2e-other, e2e-info) now call it in
place of the old anonymous page.goto(BASE).

Restoring them surfaced two real product bugs, not just test staleness:

1. WassiyahGenerator.svelte was never migrated to Supabase in the earlier
   backend work — it still called the old local storage.js load()/save()
   for assets, bequests, and witnesses, so the one-third meter silently
   read an empty local cache and always showed 0. Migrated to family-scoped
   Supabase tables (new nf_wassiyah_bequests, nf_wassiyah_settings, with
   member-scoped RLS) matching the pattern used for Hibah/Nominations/etc.

2. storage.js's exportAll() did an unguarded JSON.parse on every
   "nf."-prefixed localStorage key, but family.js stores activeFamilyId as
   a raw string (not JSON-encoded) — one malformed parse threw and silently
   aborted the whole export before the file download fired. Made exportAll
   defensive: falls back to the raw string on a parse failure instead of
   throwing.

The remaining test failures were async-timing gaps inherent to the move
from synchronous localStorage reads to async Supabase fetches: several
assertions checked <select> option counts or newly-created rows immediately
after a fixed short wait, before the async load/refresh had actually
landed. Fixed by replacing blind isVisible()/fixed-timeout checks with
proper waitFor()/polling in the test helpers (selectByText, corpus-select
population, row-creation checks) — not a product bug, but worth fixing
since the old timing assumptions no longer hold now that data is live and
shared instead of instant and local.

Results: e2e-uat 32/32, e2e-fastpath 16/16, e2e-trust 12/12,
e2e-business 10/10, e2e-digital-vehicle 10/10, e2e-property 9/9,
e2e-other 4/4, e2e-info 31/31 — 124/124. Re-verified e2e-family-agent
(12/12) and e2e-smoke-authed (24/24) still pass after the
WassiyahGenerator migration. 160/160 total across all ten suites.
2026-08-13 21:30:46 +08:00
wmj a0c70e1411 Add estate agent delegation: real accounts, multi-tenant backend, RLS-enforced roles
Per explicit product direction: the app assumed a single user (head of
family) with everything in per-device localStorage. There was no way for
a family to delegate estate management to an agent (relative or
professional) without literally handing over the device. This required
real backend infrastructure, not a UI addition — added Supabase
(Postgres + Auth) as a multi-tenant backend.

Schema (nf_ prefixed to stay isolated from other tables in the reused
"Falah OS demo" project): nf_families, nf_family_members (role: owner/
agent, status: invited/active), and family-scoped versions of every
estate table — nf_assets, nf_trusted_contacts, nf_hibah_gifts,
nf_waqf_designations/nf_waqf_beneficiaries, nf_nominations,
nf_attestors, nf_death_triggers.

Permission model, enforced by RLS at the database level (not just
hidden in the UI): an agent can do everything an owner can — add/edit
assets, draft Hibah/Waqf/Nominations, set up the Death Trigger — except
fire it. nf_death_triggers' UPDATE/INSERT policies use a WITH CHECK that
only allows triggered=true when the caller has role='owner' on that
family. A professional agent can be invited to multiple families and
switches between them from their own dashboard.

New: auth.js, family.js, db.js, AuthScreen.svelte, FamilySwitcher.svelte,
FamilyManagement.svelte (new "Family" tab: invite agents, see members,
switch families). AssetRegistry, HibahTracker, FamilyWaqfDesignator,
NominationRegistry, CoverageDashboard, and DeathTrigger all migrated
from storage.js (localStorage) to db.js (Supabase), scoped to the
active family_id. App.svelte now gates on auth + family selection
before showing the main tab shell.

Three real bugs found and fixed via testing against the live backend
(not caught by the old localStorage-based suites, which had no
cross-client concurrency to expose them):
- RLS gap: pending-invite lookup joins nf_families(name), but the
  invitee isn't a family member yet, so the join was silently dropped —
  added a policy letting a pending invitee see just the family name.
- Attestor row race: lazy "create on first blur" could double-fire from
  two different code paths, creating duplicate rows and confirming the
  wrong one. Fixed by eagerly creating attestor rows on first load so
  every row always has a real id — no more create-or-update ambiguity.
- Out-of-order async clobber: three death-trigger setup fields each
  fired a full-snapshot upsert on every input; whichever request
  *finished* last (not fired last) won, silently reverting the other
  two fields to stale values. Fixed with per-field partial updates
  (updateDeathTriggerField) that can't clobber columns they don't touch.

e2e-family-agent.cjs: full owner/agent flow against the live Supabase
backend — invite, accept, shared live data, agent blocked from firing
the trigger (button stays disabled and a direct RLS-level attempt would
also fail), owner successfully fires it. 12/12 passing.
e2e-smoke-authed.cjs: post-auth-gate sweep confirming every existing tab
still renders and its info panel still opens under the new sign-in
requirement. 24/24 passing, zero console errors.

Known follow-up, not done here: the eight pre-auth E2E suites
(e2e-uat.cjs, e2e-fastpath.cjs, e2e-trust.cjs, e2e-business.cjs,
e2e-digital-vehicle.cjs, e2e-property.cjs, e2e-other.cjs, e2e-info.cjs)
assume an anonymous landing page and need a sign-in prelude added
before they're valid again — their detailed assertions were re-verified
functionally via the smoke test and manual review, not by running them
as-is.
2026-08-13 21:07:23 +08:00
wmj 4250f8da14 Fix "Other" asset type: was suggesting a channel that doesn't exist
nonprobate.js's suggestedChannel() had no case for the "Other" type (or
anything else that fell through every specific check) — it defaulted to
{ channel: 'nomination', label: 'EPF / Takaful nomination' }. Two bugs:
(1) recommending a retirement/insurance nomination for a generic asset
that could be anything (a collectible, a domain name, an heirloom) makes
no sense, and (2) 'nomination' isn't a real value in NominationRegistry's
CHANNEL_TYPES (epf/takaful/bank-mandate/trust/business-continuity/
digital-custody) — the suggestion pointed at a channel that doesn't exist.

Default now points to Hibah — the safest general-purpose fast path since
it needs no institution or legal structure, with a note to consider a
trust setup instead if the asset is high-value or income-generating.

e2e-other.cjs: new suite confirming the fixed suggestion, the corrected
in-app reasoning text, and that following it (Hibah) actually reaches
100% coverage. 4/4 passing. Re-verified all seven prior suites (32/32,
16/16, 12/12, 10/10, 10/10, 9/9, 31/31) — 136/136 total, no regressions.
2026-08-13 18:33:22 +08:00
wmj 4d244db6d0 Add (i) info button to every tab, explained for the average user
New InfoPanel.svelte: shared (i) button next to each module's h2, toggling
a plain-language explainer with three sections — what this tab is, how to
use it, what to enter in each field. One component so tone stays
consistent across all 10 tabs instead of each screen inventing its own
help pattern.

Deliberately avoids fiqh/legal jargon in favor of concrete, everyday
framing (e.g. Hibah explained as "a gift you give right now, while you're
alive" rather than leading with the Arabic term) — written for someone
with no prior estate-planning or Islamic finance background, consistent
with the "convince a 100-year-old grandmother" usability bar already
established for this product.

Wired into: Coverage, Faraid, Assets, Wassiyah, Hibah, Family Waqf,
Nominate, Trigger, Claims (H2), Settings.

e2e-info.cjs: new suite verifying the info button appears, opens a
non-trivial explanation, and closes again on every one of the 10 tabs.
31/31 passing. Re-verified all five prior suites (32/32, 16/16, 12/12,
10/10, 10/10) — 111/111 total, no regressions.
2026-08-13 18:14:28 +08:00
wmj 07b9f4f07a Cover digital assets and vehicles with proper fast-path instruments
Digital assets: nonprobate.js's suggestion previously claimed channel
'bank-mandate' with label 'Multi-sig / pre-authorized release' — a
mismatch, since bank-mandate's fields (institution/nominee/reference)
don't fit crypto custody at all. New "digital-custody" channel with
custody-type-specific fields: exchange beneficiary feature, self-custody
multi-sig (warns that it only works if a living co-signer is already
configured), or key-escrow with executor (warns explicitly: never store
the actual seed phrase or private key in this app or any single record —
only a reference to WHERE access is arranged).

Vehicles/jewelry/valuables: were lumped into the same "trust" suggestion
as land, which is overkill for movable property that hands over cleanly
by a simple Hibah. Suggestion now points straight to Hibah for these;
land keeps the trust suggestion since it has no such easy path.

CoverageDashboard's suggestion-inline text simplified from an ad-hoc
ternary chain into a clean NEXT_STEP_TAB map, now correctly covering
hibah/trust/digital-custody/business-continuity.

e2e-digital-vehicle.cjs: new suite verifying digital asset exposed ->
custody-type warnings -> export -> covered, and vehicle exposed -> Hibah
suggestion (not trust) -> covered via Hibah link -> 100% combined
coverage. 10/10 passing. Re-verified all four prior suites (32/32,
16/16, 12/12, 10/10) — 80/80 total, no regressions.
2026-08-13 17:41:25 +08:00
wmj 051c9d9a94 Cover business interests via a proper continuity instrument
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.
2026-08-13 17:32:32 +08:00
wmj ff47dc9ed2 Cover land parcels via proper trust setup, not generic nomination fields
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.
2026-08-13 17:27:51 +08:00
wmj ad2b3c48a3 Rebuild around the real mechanism: bypass Faraid/probate entirely
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.
2026-08-13 17:21:44 +08:00
wmj 6690696f7f Initial build: Horizon 1 Prevention Suite + Horizon 2 Unlock demo
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.
2026-08-13 16:55:58 +08:00