Warisan is the missing layer between wealth accumulation (Wahed) and charitable giving (Finterra) in the Muslim wealth lifecycle. It addresses RM70B+ in frozen estates through a four-layer platform that calculates, documents, manages, and settles estates under Syariah and civil law.
Each layer serves a distinct audience and generates distinct revenue — while feeding the data moat that makes the platform defensible.
Free Faraid + civil intestate calculator requiring no account. Syariah track: Quran 4:11–12, 4:176, Shafi'i school, Hajb blocking rules, Asabah residuary. Non-liquid resolution: Mode A (Collective Sale), Mode B (Buyout), Mode C (Co-ownership / Musya').
Consumer acquisitionScore 0–100 tracking estate readiness. Points: Calculator (+10), Property docs (+15), Beneficiaries (+15), Executor (+20), Wasiat (+25), Annual review (+5). Vitality model: Encourage → Reward → Enforce. Milestone rewards funded by marketplace partners.
Retention & engagementProfessionals receive scoped tasks, not raw leads. Warisan retains the client relationship — the primary moat against disintermediation. Lawyers (RM200–500), Property agents (10–15%), Faraid consultants (20% booking margin), Takaful (RM50–150 lead fee).
Revenue diversificationEvery function callable as API: Faraid engine, document generation, property valuation, professional routing. Per-call RM0.50–10 · Monthly licence RM500–5k · Annual data licence RM50–200k · White-label RM20k setup + RM5k/month. Target: Maybank / CIMB Islamic.
Institutional infrastructure| Tier | Price | What's included | Model |
|---|---|---|---|
| Free / Calculate | RM 0 | Faraid + civil calculator, basic roadmap, Warisan Score (view) | Freemium |
| Resolve | RM 149 one-time | Auto-filled forms, document vault, heir consent templates, filing guide | Transactional |
| Family | RM 19/month | Multi-user, property tracking, Warisan Score (build), annual review | Subscription |
| Guided | RM 699 one-time | Everything + 1hr lawyer consult, document review, priority support | Premium |
Warisan addresses four 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, ensuring lineage is accurately recognised in every distribution.
RM70B+ returned to rightful heirs. Frozen assets restored to productive circulation within the Muslim economy.
The care marketplace addresses the wellbeing of aging asset owners — connecting them to vetted care providers.
Syariah-compliant distribution, waqf integration, and JAI validation pathway ensure every settlement honours religious obligations.
| Platform | Role | Relationship |
|---|---|---|
| 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 |
The global pitch: the estate platform built for the world's 1.8 billion Muslims — starting with the families who need it most.
Faraid + civil law, full product-market fit. RM70B+ problem. 4.4 million Malaysians over 60 by 2030.
270M Muslims, same Faraid framework. Brunei and Singapore for cross-border MY-SG complexity.
UAE expats, South Asia diaspora, cross-border settlement for Muslims globally.