Paper-driven setup
Forms or PDFs, manual verification and physical declarations create friction and inconsistent evidence.
Digital Estate Administration Guardian
Every appointment should leave proof.
Raqmiya is developing a verifiable digital lifecycle for appointing an estate administration guardian—combining identity assurance, recorded declarations, AI-assisted review and tamper-evident audit records.
Proofby design
Designed for institutional distribution through savings agencies, financial institutions and legal channels.
Planned product architecture — capabilities remain subject to build, validation and pilot completion.
The shift
From static paperwork to a living appointment record.
Traditional processes preserve documents. Raqmiya is designed to preserve the entire decision trail.
Static records
Evidence remains trapped in documents rather than connected to a traceable appointment workflow.
Limited lifecycle control
Appointments can be difficult to verify, update, replace or revoke after the initial transaction.
One auditable workflow
A verifiable digital appointment supported by intelligence, evidence and institutional delivery—not merely a digital form.
Appointment lifecycle
Five stages. One chain of evidence.
Each step is designed to contribute to a coherent, reviewable record from appointment through audit.
Appoint
Create and manage the guardian appointment in a controlled digital journey.
Verify
Confirm each participant through eKYC, identity and liveness checks.
Declare
Capture the declaration through video and convert speech into a transcript.
Assess
Use AI assistance to evaluate consistency, anomalies and potential risk.
Audit
Preserve timestamps, hashes and traceable evidence across the lifecycle.
Planned technology model
Intelligence with an evidence spine.
The platform concept brings together decision-support intelligence, digital evidence and institution-ready infrastructure.
Agentic AI
Assist the assessment of identity, intent, declaration consistency and potential risk.
Digital evidence
Turn each appointment into verifiable proof rather than an isolated record.
Infrastructure
Operationalise the lifecycle securely for institutions and their customer journeys.
Responsible architecture: AI should support—not replace—governed review. Sensitive identity, video and transcript content should remain in controlled storage, while blockchain can anchor tamper-evident hashes and audit proofs.
Who it serves
Institution-led reach. Human-scale needs.
The proposed model connects trusted distributors with end customers who need a secure and verifiable guardian appointment.
Institutional buyers & distributors
Savings agencies, financial institutions, legal firms and approved channels that can embed or distribute the solution.
Muslim depositors
Customers seeking a Shariah-aligned approach to estate administration and guardianship.
Families with dependants
Parents with minor children and households supporting persons with disabilities.
Digital-first customers
Mass-affluent and digitally confident customers who value secure, accessible estate solutions.
RaqmiyaInstitutional core
Target market & commercial model
Scale through institutions, not around them.
Three anchor institutions provide the initial route to market, supported by B2B2C and B2B commercial structures.
B2B2C profit sharing
Institutional distribution provides customer access and trust.
B2B subscriptions
Recurring access to platform and integration capabilities.
Commission model
Professional intermediaries support approved distribution.
Planning figures are sourced from the Cradle presentation. The 109,175 target equals approximately 0.35% of the cited 31.4 million base; the presentation’s separate 1–5% ambition requires denominator clarification before external submission.
Nine-month development plan
Build. Validate. Pilot.
A staged path from production platform to controlled institutional rollout.
Build
- Production platform
- eKYC integration
- Digital evidence infrastructure
Validate
- Agentic AI development
- Legal validation
- Shariah validation
Pilot & launch
- Institutional pilot
- API integration
- Commercial rollout preparation
RM150KCIP Spark request
Funding utilisation
Capital mapped to delivery.
Platform development40%RM60,000
AI verification engine20%RM30,000
eKYC integration10%RM15,000
Legal & Shariah validation10%RM15,000
API integration10%RM15,000
Marketing5%RM7,500
Pilot testing5%RM7,500
Management team
Leadership across product, operations and institutional strategy.
CEO / CTO
Muhammad A’idil Man
Executive leadership role identified in the presentation.
COO
Khairul Azri Yusran
Operations leadership role identified in the presentation.
Strategic Advisor
Amiruddin Abdul Shukor
Strategic advisory role identified in the presentation.
Turn appointments into verifiable proof.
Raqmiya is preparing its institutional pilot pathway. Start a conversation about distribution, validation or integration.