# 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/