Malaysia holds an estimated RM70B+ in economically frozen, unclaimed, and unresolved estates. The pain is not lack of law — Malaysia has Faraid, the Distribution Act 1958, and Amanah Raya. The pain is the complete absence of accessible digital infrastructure to execute what the law already permits.
Warisan is not a consumer app. It is capital market infrastructure disguised as a family tool — a vertically integrated estate marketplace that turns Malaysia's frozen estate problem into a measurable social outcome.
Free Faraid + civil calculator. No account required. Warisan Score gamifies estate readiness from 0–100.
Lawyers, Faraid consultants, property agents, care providers — receiving scoped tasks, not raw leads.
Every function callable as API. Target first integration: Maybank / CIMB Islamic. Annual data licence RM50–200k.
Warisan addresses four of the five Maqasid al-Shariah directly. This is not a positioning strategy — it is the functional description of what the platform does.
Faraid enforces correct heir relationships
RM70B+ returned to rightful heirs
Care marketplace for aging asset owners
Syariah-compliant distribution, waqf integration
The Warisan Score is a gamified estate readiness metric — scored 0 to 100 — that tracks a family's progress toward complete estate organisation. We propose to co-create this Score as a verifiable ICM credential under FIKRALab guidance, recognised by takaful operators, Islamic banks, and EPF as evidence of estate planning behaviour.
Calculator completed (+10) · Property docs (+15) · Beneficiaries registered (+15) · Executor appointed (+20) · Wasiat executed (+25) · Annual review (+5)
Takaful premium incentive for Score 80+ · Islamic bank estate planning qualification · Employer benefit metric · Waqf/sadaqah jariyah prompt at Score 100
The free calculator tier — no account, no cost, no barrier — is specifically designed for B40 families who have never had access to Faraid education. Every family that completes a calculation contributes to a national SROI dataset: estates resolved, RM value returned, probate cases avoided, B40 families served, average time-to-resolution.
Grant-fundable metrics: Yayasan Hasanah, Khazanah Social Impact, MRANTI, Maybank Foundation, JAWHAR Waqf. SROI reporting built into the platform from day one.
Families reaching Score 100 receive a waqf / sadaqah jariyah prompt — religious recognition as the reward milestone. Natural Finterra referral pathway for surplus assets.
| Platform | Role | Relationship to Warisan |
|---|---|---|
| Wahed | Wealth accumulation | Wahed customers need Warisan to route inheritance correctly |
| Warisan | Estate distribution — the missing middle | The infrastructure layer both sides need |
| Finterra | Charitable assets / waqf | Warisan users who include waqf are natural Finterra referrals |
| Amanah Raya | Manages unclaimed estates | Warisan prevents estates from ever reaching that stage |
| EPF / KWSP | Retirement savings | EPF nomination data + estate integration in Year 2 |
FIKRALab's first cohort centres on three priorities under the Capital Market Masterplan 2026–2030. Warisan maps to all three.
| FIKRALab Focus Area | Warisan Alignment | Fit |
|---|---|---|
| New generation ICM products | Warisan Score as verifiable ICM credential — estate readiness as a measurable financial instrument | Direct |
| Islamic social finance | Gamified B40 estate readiness, free-tier Faraid access, waqf activation at Score 100, SROI dataset | Direct |
| Sustainability / transition finance | RM70B+ in frozen assets returned to productive economic circulation, avoiding Amanah Raya dormancy | Direct |
Three functions run on locally-owned, sovereign AI — not external APIs. This is both a regulatory safeguard and a competitive moat: the Faraid reasoning layer is untransferable without rebuilding the entire compliance stack.
Deterministic code — not LLM. Fixed Islamic rules cannot be delegated to a probabilistic model. Zero hallucination risk.
Document parsing, Score explanation, natural language Faraid Q&A. Deployed via Ollama on Malaysian VPS.
React · Cloudflare Pages/Workers · Airtable + Supabase · PDPA 2010 compliant · MyDigitalID JPN integration (Year 2)
Engagement with FIKRALab's Shariah scholar panel to review the Faraid engine, Warisan Score instrument design, and waqf integration pathway. We want JAI validation as a trust signal.
Co-creation with FIKRALab on defining the Warisan Score as a verifiable, standardised credential recognised within the Islamic Capital Market.
Warm introductions to Amanah Raya, EPF/KWSP, and takaful operators for API integration pilots.
Clarity on SC / BNM position on Warisan's role as a software facilitator (not payment institution) for estate settlement flows.
One family at a time. Built on Maqasid al-Shariah. Starting in Malaysia. Built for 1.8 billion Muslims.
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