Warisan — Estate Resolution Infrastructure

Resolve what was left
without instruction.

A blockchain-anchored estate resolution system for intestate assets in Malaysia — serving both Syariah (Faraid) and civil intestate law tracks, with settlement issuance as a verifiable financial instrument.

Syariah / Faraid Civil / Intestate On-Chain Settlement

Contract State Machine

PENDING_VERIFICATION

Estate filed. Awaiting identity + death cert confirmation

IDENTITY_VERIFIED

All heirs confirmed via MyKad + biometric

ASSET_MAPPED

Properties, accounts, shares linked to estate ID

ARBITRATION ← DISPUTE_OPEN

Contested claims routed to Syariah court or civil adjudicator

SETTLEMENT_ISSUED

SBT token minted. Anchored to Ethereum. IPFS proof stored

DISTRIBUTED / CLOSED

Assets transferred. AR case resolved. Financial access unlocked

Six-Layer Infrastructure Stack

Layer 1

Identity

MyKad NFC + biometric liveness check. JPN death registry API integration. All identity hashes are off-chain, on-chain proof-of-inclusion only.

MyKad · JPN · Liveness

Layer 2

Asset Registry

Connect to Land Office, EPF, Bursa, LHDN, bank APIs. Each asset gets a verified UUID mapped to deceased IC. Amanah Raya holdings surfaced via AR Query API.

Land · EPF · Bursa · AR

Layer 3

Dispute Resolution

Dual-track engine: Faraid calculator (Syariah) + Distribution Act 1958 (Civil). Contested cases escalate to registered arbitrators via smart contract trigger.

Faraid · Dist. Act 1958

Layer 4

Settlement Layer

Soulbound Token (SBT) issued per heir. Non-transferable, non-fractionable. Represents verified ownership share. Anchored to Ethereum mainnet via Merkle proof.

SBT · IPFS · OpenTimestamps

Layer 5

Financial Access

SBT verified by partner FIs. Unlocks improved LTV, lower DSR calculation, Waqf-linked investments, elevated ASB limits. Heir's verified asset now works for them.

Banks · ASNB · Takaful

Layer 6

Institutional API

External partners (banks, EPF, insurers) push unresolved estate cases via Warisan Verification API. System resolves and returns settlement hash. Scales nationally.

View API Reference → REST API · Webhook · SDK

Syariah Track

Faraid Distribution Engine

☽

Faraid calculator — auto-distributes per heir relationship matrix
Supports Ta'sib (agnatic) and Dhawul Arham principles
Hajb (blocking) rules enforced programmatically
Jabatan Agama Islam integration for validation
Outputs Sijil Pembahagian Harta equivalent as on-chain record
Waqf assets flagged and handled separately with MAIN/SIRC
Mixed-religion estates escalate to human adjudicator flag

Conventional Track

Civil Intestate Law

⚖

Distribution Act 1958 — intestate succession table built-in
Probate-equivalent workflow via e-Filing to High Court
Supports adopted children, stepchildren, illegitimate children (per Evidence Act)
Mixed marriages, non-Muslim estates, stateless persons handled
Letters of Administration equivalent generated on-chain
LHDN clearance certificate triggered before distribution
Solicitor e-signature integration for court submission

Every Settlement is Provable, Forever

Step 1

Document Hash

SHA-256 of all estate docs. Stored on consortium chain. Never deletable.

Step 2

IPFS Bundle

Full estate file (PDFs, identity proofs, asset certs) pinned to IPFS. CID on-chain.

Step 3

Block Anchor

Consortium block Merkle root anchored to Ethereum via OpenTimestamps.

Step 4

JPN Attestation

JPN digital signature wraps estate record. Legally binding national identity layer.

Step 5

Re-Attestation

Smart contract pings annually. SBT re-validated. Heirs confirm continuity.

On-Chain Settlement Logic

// Core estate data structure
struct Estate {
  bytes32 estateId;
  // hash(IC + deathCert + assetIDs)
  address[] heirs;
  AssetBundle[] assets;
  Track track;
  // SYARIAH | CONVENTIONAL
  State state;
  uint256 filedAt;
  bytes32 ipfsProofHash;
}

// Soulbound settlement token
struct SettlementSBT {
  bytes32 estateId;
  address heir;
  uint256 shareBPS;
  // basis points, e.g. 2500 = 25%
  bool transferable = false;
  bytes32 issuerSig;
  uint256 issuedAt;
  bytes32 ethereumAnchor;
}

// Every state change is permanent
event StateChanged(
  bytes32 indexed estateId,
  State from, to,
  uint256 timestamp
);

event SettlementIssued(
  bytes32 indexed estateId,
  address indexed issuer
);

event HeirVerified(
  bytes32 estateId,
  bytes32 credentialHash
);

// Cannot skip states
modifier onlyState(State s) {
  require(estate.state == s);
  _;
}

// Faraid auto-calculation
function calcFaraid(
  HeirMatrix memory heirs
) returns (uint256[]) {
  // Quran 4:11-12 table
  return _applyFaraidRules(heirs);
}

Verified Asset = Better Financial Terms

Unverified / Frozen

LTV up to 85%

Property-backed financing at improved loan-to-value

No collateral proof

DSR −5–8%

Reduced debt service ratio calculation for heir's existing loans

Standard limit

ASB/ASN+

Elevated investment ceilings via ASNB partner channel

No Syariah route

Waqf Access

Syariah-track heirs access Waqf-linked savings and investment accounts

Amanah Raya as Anchor — Ecosystem Expands

Amanah Raya Bhd

Custodian node operator. AR Query API. Case closure trigger. SBT issuer for resolved unclaimed estates.

EPF / KWSP

Nominee disputes, unclaimed balances

Bursa Malaysia

Unclaimed dividends, share certificates

Pejabat Tanah

Strata titles, kampung land disputes

LHDN

Estate tax clearance before distribution

Maybank / CIMB / BSN

Frozen accounts of deceased

Takaful / Insurers

Matured policies, disputed beneficiaries

The Illiquid Asset Equation

Step 1

Valuation (تقييم)

Every non-liquid asset is independently appraised. Licensed valuers (JPPH) for property; auditors for private company shares; certified appraisers for jewellery and collectibles. Output: Gross Estate Value (GEV).

JPPH · Auditor · Appraiser

Step 2

Netting (صافي)

Net Distributable Estate = GEV − Debts − Funeral Expenses − Admin Costs. Illiquid appraised values feed directly into the NDE before Faraid fractions are applied.

NDE = GEV − Liabilities

Mode A

Collective Sale (بيع جماعي)

All heirs agree to sell. Proceeds split by Faraid fractions. Court-enforced if needed. Liquidity discount applied based on urgency of sale (0–40%).

Full Market · Court Sale · Distress

Mode B

Buyout (افتداء)

One heir keeps the asset and compensates the rest. Buyout Price per Heir = Asset Value × Heir's Faraid Share. Can be structured as cash, instalments, or a charge over the asset.

Cash · Instalment · Charge

Mode C

Co-Ownership (مشاع)

Temporary undivided fractional title (Musya'). Income distributed per Faraid fraction. Sunset clause triggers compulsory sale if unresolved after 3 years. Recognised under NLC s.342.

Musya' · NLC s.342 · Sunset

SBT Layer

Tokenised Interest (رمز)

Each heir's fractional claim — including illiquid assets in Mode C — is carried in their Settlement SBT. Partner FIs accept this as proof of beneficial interest for collateralised financing at 40–60% LTV.

SBT · Collateral · 40–60% LTV

Sustainable Without Extracting From Heirs

0.5–1%

Settlement Fee

Charged on estate value at settlement issuance. Capped at RM 5,000. Paid by estate, not individual heirs. Parallel to current AR fee structure.

API

Institutional API

SaaS fees for FI integrations (banks, EPF, insurers). Per-query or per-resolved-case pricing. B2B revenue with no friction on end user.

FI Cut

Referral / Access

Revenue share when verified SBT holder accesses improved loan/investment products through Warisan partner FIs. Opt-in, user-controlled.

Resolve what was leftwithout instruction.