wmj
71aa4ae47c
Closes 3 of the remaining 4 gaps from the competitive benchmark: - Coverage Dashboard now has a rule-based recommendations engine (recommendations.js) surfacing plain-language next steps from data already in the app — exposed assets, missing Wassiyah, unverified assets, unlinked liabilities, missing insurance/Zakat setup, insufficient attestors, no agent assigned, no Waqf configured. - Faraid Calculator gains a madhab selector (Shafi'i/Hanafi/Maliki/ Hanbali) encoding the one well-documented divergence this engine's existing rules touch: whether radd extends to a sole-heir spouse (Hanafi: yes; Shafi'i/Maliki/Hanbali: no, residue unallocated). Ja'fari (Shia) is honestly gated as unsupported rather than silently computed with Sunni rules, since it's a structurally different classification system, not a parameter tweak. faraid.test.js grows from 14 to 17 cases covering the divergence and the gating. - Wassiyah tab gains a 'Generate draft will document' button producing a formatted, statutory-style DRAFT will (declaration/revocation, executor appointment, bequest schedule, witness attestation blocks) via browser print-to-PDF — no new PDF dependency. Clearly watermarked 'DRAFT — NOT EXECUTED, requires physical signing and witnessing.' Not a claim of legal validity, a lawyer-reviewable starting point. The 4th gap (human-in-the-loop professional tier) remains open — out of scope for a self-serve prevention tool. COMPETITIVE_BENCHMARK.md updated to reflect closed/partially-closed status on each item. Covered by e2e-gaps-round2.cjs (14/14) plus 3 new faraid.test.js cases. Full regression: 226/226 across all suites.
4.9 KiB
4.9 KiB
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 — status
- 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.
- Zakat calculator — closed. New per-member Zakat tab: Nisab check + 2.5% on cash, gold, silver, business assets, and investments, minus deductible liabilities.
- 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.
- No human-in-the-loop / professional tier — open. Every competitor pairs software with a lawyer or consultant; Nur Falah remains self-serve only.
- 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/