# Nur Falah vs. 5 Islamic Estate-Planning Competitors

Last updated: 2026-08-14

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 — status

1. **Legally-filable Will output — partially closed.** Wassiyah tab now generates a formatted,
   statutory-style DRAFT will document (declaration/revocation, executor appointment, bequest
   schedule, witness attestation blocks) via a print-to-PDF flow, clearly watermarked "DRAFT —
   NOT EXECUTED." This is a real time-saver for a lawyer to review and finalize, not a claim
   that the app produces a legally executed document — that still requires physical signing,
   witnessing, and jurisdiction-specific legal review. A fully legally-valid, notarized/filed
   output remains out of scope.
2. **Zakat calculator — closed.** New per-member Zakat tab: Nisab check + 2.5% on cash, gold,
   silver, business assets, and investments, minus deductible liabilities.
3. **Single madhab assumption — partially closed.** Faraid calculator now has a madhab
   selector (Shafi'i/Hanafi/Maliki/Hanbali) encoding the one well-documented divergence this
   engine's rules actually touch — whether radd (return of residue) extends to a sole-heir
   spouse. Ja'fari (Shia) is deliberately gated as unsupported rather than silently computed
   with Sunni rules, since it uses a structurally different classification system, not a
   parameter tweak.
4. **Human-in-the-loop / professional tier — closed, as a review-request workflow.** Not a
   marketplace or payment integration (out of scope) — a structured status on each member's
   Wassiyah (Not reviewed → Review requested → Reviewed, with reviewer name recorded), surfaced
   on the Mutawalli dashboard so nothing quietly ships as final without the legally-required
   review being flagged. Pairs with a new whole-app jurisdiction setting (Malaysia/Singapore/UK,
   owner-configurable in Settings) that drives jurisdiction-specific legal notes in both the
   Wassiyah tab and the generated draft will document (Wills Act 1959/state Syariah for
   Malaysia, Wills Act 1838 + AMLA for Singapore, Wills Act 1837 for the UK) and Zakat
   currency/Nisab defaults.
5. **AI guidance layer — closed.** Coverage Dashboard now surfaces a rule-based
   recommendations list (exposed assets, missing Wassiyah, unverified assets, unlinked
   liabilities, no insurance logged, no Zakat set up, insufficient attestors, no agent
   assigned, no Waqf configured) — every recommendation traces to a concrete fact already in
   the app's data, not a generated guess.

## 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/