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).
88 lines
5.5 KiB
Markdown
88 lines
5.5 KiB
Markdown
# Nur Falah vs. 5 Islamic Estate-Planning Competitors
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Compared against: Legacy Logic / Al Yusra+ (Malaysia, AI-powered), MyPusaka / Wasiyyah Shoppe
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(Malaysia, legacy incumbent), My Islamic Wills (UK), True Wills (UK), Rafiq Islamic Finance OS
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(US/global fintech).
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## Feature matrix
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| Capability | Nur Falah | Legacy Logic | MyPusaka | My Islamic Wills | True Wills | Rafiq |
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|---|---|---|---|---|---|---|
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| Faraid calculator | Yes | Yes (via report) | Yes | Partial | Partial | No |
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| Wassiyah (1/3 cap enforced) | Yes, per-member | Yes | Yes | Yes | Yes | No |
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| Hibah tracking | Yes | Yes | Yes | No | No | No |
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| Family Waqf | Yes | Partial | Yes | No | No | No |
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| Legally-filable Will document | No | Yes | Yes | Yes | Yes | No |
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| Human lawyer/consultant tier | No | Yes | Yes | Yes | Yes | No |
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| Multi-user family account w/ roles (owner/agent/member) | Yes | No | No | No | No | No |
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| Death trigger + attestor workflow | Yes, dual-attestor, per-member | No | No | No | No | No |
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| Automated heir email notification | Yes | No | No | No | No | No |
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| Mutawalli/trustee live dashboard | Yes | No | No | No | No | No |
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| Family genealogy/tree with photos | Yes | No | No | No | No | No |
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| Coverage % dashboard (asset-by-instrument) | Yes | Partial (static report) | No | No | No | No |
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| Insurance/Takaful tracking | Yes | Yes | No | No | No | No |
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| Liabilities/debt tracking | Yes | Yes | No | No | No | No |
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| Asset ownership verification (proof docs + confirm) | Yes | No | No | No | No | No |
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| Zakat calculator | No | No | No | No | No | Yes |
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| Multi-madhab support | No (single ruleset) | No | No | No | No | Yes (5 schools) |
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| AI guidance / recommendations | No | Yes | No | No | No | Yes |
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| Bank/brokerage account linking | No (explicitly out of scope) | No | No | No | No | Yes (Plaid) |
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| Paid pricing / commercial tier | No (demo) | Yes | Yes | Yes (GBP 98-350) | Yes (GBP 98-350) | Yes (freemium) |
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## Where Nur Falah leads
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None of the five competitors treat estate planning as a living, multi-person,
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collaboratively-administered system. All five are single-user "fill in a form, get a PDF"
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products — a static document written once and hoped to be found later. Nur Falah's
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differentiators:
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- **Family-shared accounts with real RBAC** (owner/agent/member, enforced via RLS) — every
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competitor is one account, one estate.
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- **A trigger mechanism that actually does something** — dual-attestor confirmation, per-member
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death triggers, and automated heir email notification. Competitors stop at "here's your will
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PDF"; none automate what happens *after* death.
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- **A live mutawalli dashboard** — ongoing administration, not a one-time document.
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- **Coverage %, genealogy tree, insurance/liabilities, asset verification** — this granularity
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does not exist anywhere else in the set.
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## Gaps — status
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1. **Legally-filable Will output — partially closed.** Wassiyah tab now generates a formatted,
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statutory-style DRAFT will document (declaration/revocation, executor appointment, bequest
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schedule, witness attestation blocks) via a print-to-PDF flow, clearly watermarked "DRAFT —
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NOT EXECUTED." This is a real time-saver for a lawyer to review and finalize, not a claim
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that the app produces a legally executed document — that still requires physical signing,
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witnessing, and jurisdiction-specific legal review. A fully legally-valid, notarized/filed
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output remains out of scope.
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2. **Zakat calculator — closed.** New per-member Zakat tab: Nisab check + 2.5% on cash, gold,
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silver, business assets, and investments, minus deductible liabilities.
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3. **Single madhab assumption — partially closed.** Faraid calculator now has a madhab
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selector (Shafi'i/Hanafi/Maliki/Hanbali) encoding the one well-documented divergence this
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engine's rules actually touch — whether radd (return of residue) extends to a sole-heir
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spouse. Ja'fari (Shia) is deliberately gated as unsupported rather than silently computed
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with Sunni rules, since it uses a structurally different classification system, not a
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parameter tweak.
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4. **Human-in-the-loop / professional tier — closed, as a review-request workflow.** Not a
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marketplace or payment integration (out of scope) — a structured status on each member's
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Wassiyah (Not reviewed → Review requested → Reviewed, with reviewer name recorded), surfaced
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on the Mutawalli dashboard so nothing quietly ships as final without the legally-required
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review being flagged. Pairs with a new whole-app jurisdiction setting (Malaysia/Singapore/UK,
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owner-configurable in Settings) that drives jurisdiction-specific legal notes in both the
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Wassiyah tab and the generated draft will document (Wills Act 1959/state Syariah for
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Malaysia, Wills Act 1838 + AMLA for Singapore, Wills Act 1837 for the UK) and Zakat
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currency/Nisab defaults.
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5. **AI guidance layer — closed.** Coverage Dashboard now surfaces a rule-based
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recommendations list (exposed assets, missing Wassiyah, unverified assets, unlinked
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liabilities, no insurance logged, no Zakat set up, insufficient attestors, no agent
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assigned, no Waqf configured) — every recommendation traces to a concrete fact already in
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the app's data, not a generated guess.
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## Sources
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- https://www.createwills.my/legacy-logic-malaysias-first-ai-powered-estate-planning-tool-for-islamic-conventional-wills/
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- https://mypusaka.online/home/
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- https://truewills.co.uk/about/
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- https://myislamicwills.co.uk/
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- https://apps.apple.com/us/app/rafiq-islamic-finance-os/id6757416672
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- https://rockwills.com/islamic-estate-planning-in-malaysia-secure-shariah-compliant-wealth-distribution/
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