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nur-falah-prevention/DEMO_DATA.md
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wmj 49706e0cd2 feat: add insurance/Takaful tracking, liabilities, and asset ownership verification
Per-member Insurance & Takaful tab (life/Takaful/medical/asset policies,
same author-owns/family-reads pattern as Wassiyah/Waqf), a family-shared
Liabilities section on the Asset Registry (kept distinct from assets since
Faraid requires debts settled before distribution), and dual-path asset
ownership verification (proof document + confirm by either the
mutawalli/agent or any other family member, since not every demo family
has an agent assigned). All proof documents share a new private
nf-asset-documents storage bucket with the same RLS pattern as person
photos. Mutawalli dashboard now surfaces each member's insurance policies.

Covered by e2e-insurance-verification.cjs (12/12); full regression sweep
233/233 across all suites.
2026-08-14 10:17:03 +08:00

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# Demo data — 5 fully-populated families
Seeded directly against the live Supabase backend (not through the UI) for
speed. All accounts share the password `DemoPassword123!`.
## Families
| Family | Owner login | Assets | Coverage | Notable features |
|---|---|---|---|---|
| **The Ismail Family** | `nf.demo.ismail@gmail.com` | 5 (RM1.72M) | **100%** | Near-fully-planned demo — Hibah (house, car), Nomination (bank, digital custody, business continuity). Has an extra `member` (spouse) and an `agent`/mutawalli. 3-generation, 6-person tree. |
| **The Rahman Family (UK)** | `nf.demo.rahman@gmail.com` | 4 (£578K) | **20%** | UK diaspora market — partial coverage, uses Wassiyah (charitable bequest) alongside Hibah/Nomination. Has an extra adult-child `member`. 4-person tree. |
| **The Osman Family** | `nf.demo.osman@gmail.com` | 6 (RM3.18M) | **31%** | Deliberately mostly **uncovered** — demonstrates the Coverage Dashboard's warning state and per-asset "next step" suggestions. Sole-proprietorship business with a waqf-enterprise redirect note. 6-person tree (4 children). |
| **The Yusuf Family** | `nf.demo.yusuf@gmail.com` | 4 (RM355K) | **94%** | Young family, digital-asset-heavy (Ethereum multisig nomination). Shares the same mutawalli/agent as the Ismail family — demonstrates a professional agent managing multiple families. 3-person tree (young child). |
| **The Karim Family** | `nf.demo.karim@gmail.com` | 3 (RM758K) | **100%** | Family Waqf demo — an apartment dedicated as waqf corpus with a named mutawalli and successor. 3-person tree. |
## Shared/reusable accounts
| Login | Role | Used in |
|---|---|---|
| `nf.demo.spouse1@gmail.com` | member | Ismail Family |
| `nf.demo.child1@gmail.com` | member | Rahman Family |
| `nf.demo.mutawalli@gmail.com` | agent | Ismail Family **and** Yusuf Family (multi-family mutawalli demo) |
## What each family exercises
- **Coverage Dashboard**: full spread from 20% to 100%, so the warning/success states and per-asset suggestions are all visible without adding data manually.
- **Hibah / Nomination / Waqf / Wassiyah**: every fast-path channel type has at least one real example (bank-mandate, digital-custody in both multisig and key-escrow modes, business-continuity in both company-shares and sole-proprietorship modes, trust, family waqf).
- **Family roles**: owner-only (Osman, Yusuf, Karim), owner+member (Rahman), owner+member+agent (Ismail) — and a shared agent across two families (Ismail + Yusuf).
- **Genealogy**: every family has a real multi-person tree (36 people), all with parent/child and/or spouse relationships, so the Tree tab is never empty for a demo.
## Verification
Ran `verify-demo-families.cjs` against the live app (not just SQL success) —
confirms sign-in, correct asset count, non-zero estate total, coverage
percentage, correct person count, and non-empty tree render for all 5
families. 35/35 passing.
## Insurance/Takaful, Liabilities & Asset Verification (added later)
Three additions, covered by `e2e-insurance-verification.cjs` (12/12):
- **Insurance & Takaful tab** — per-member (`nf_insurance_policies`), same
author-owns-writes/family-reads pattern as Wassiyah/Waqf. Life, Takaful,
medical, or asset-specific policies with an optional proof document.
- **Liabilities** (bottom of the Assets tab) — family-shared
(`nf_liabilities`), kept distinct from assets because Faraid requires debts
settled before distribution. Optionally linked to the asset it's secured
against, with a loan-document attachment.
- **Asset ownership verification** — every asset in the Asset Registry can
now take a proof document (car grant, land title, cover note) and a
verified/unverified badge. Either the mutawalli/agent OR any other family
member can confirm — not gated to a single approver, since several demo
families have no agent assigned.
- The Mutawalli dashboard's per-member document summary now also lists each
member's insurance/Takaful policies.
- All proof documents (policies, liabilities, assets) share one private
Storage bucket, `nf-asset-documents`, with the same family-membership RLS
pattern used for person photos.