wmj
97a1d2ebe2
Closes the 4th and final gap from the competitive benchmark: the human-in-the-loop professional tier every commercial competitor pairs with their software. Deliberately NOT a marketplace or payment integration — a structured review-request status on each member's Wassiyah (not_requested -> requested -> reviewed, with reviewer name recorded), surfaced on the Mutawalli dashboard so nothing quietly ships as final without the legally-required review being flagged. Paired with a new whole-app jurisdiction setting since 'necessary in certain countries' only makes sense per-jurisdiction: - nf_families.jurisdiction (MY/SG/UK), owner-only to change — first UPDATE policy ever added to nf_families, which previously had none. - New Settings-tab jurisdiction selector (JurisdictionSetting.svelte). - Wassiyah tab and the draft will document now carry jurisdiction- specific legal notes: Wills Act 1959 + state Syariah (Malaysia), Wills Act 1838 + AMLA (Singapore), Wills Act 1837 (UK). Singapore added as a full third jurisdiction option, not just a stub. - Zakat calculator's currency label and Nisab default now follow the family's jurisdiction (RM/SGD/GBP) instead of a hardcoded RM guess. Covered by e2e-jurisdiction-review.cjs (13/13). Full regression: 253/253 across all suites (2 reruns confirmed as pre-existing parallel-load flakes, not regressions).
5.5 KiB
5.5 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.
- 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.
- 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/