The Masrif family

Two ledgers, one Muslim's day

Masrif is not a super-app with features bolted on — it is a family of surfaces over one identity and two ledgers that are deliberately kept apart: the record of your worship never becomes the record of your spending. The firewall between them is not a limitation of the product. It is the product.

Each surface reads the facts it needs and nothing more: the wallet may prove nisab to the zakat engine, but no prayer event feeds any commercial model — there is no join key between deen and dana, by schema, not by promise.

Masrif Harian

the daily deen · this product
In private beta

Prayer times, Qibla, the mushaf, adhkar and tasbih in one calm interface. The surface everything else reads from — and the one whose events never leave the phone: your Fajr at 5:42 is between you and your Creator, not a row on our server.

Masrif Wallet

halal flow of ringgit
Atlas platform live · rebrand in progress

The banking-grade Atlas platform behind the flagship: DuitNow ID & QR, transfers, bills — under Bank Negara's e-money regime, funds safeguarded, no walled garden. The wallet is boring on purpose: national rails, licensed custody, auditable ledger.

Masrif Zakat

the obligation, computed
In the app today

Nisab tracked on your qualifying wealth, computed against your state's official zakat authority — because Malaysia runs zakat state by state, and an engine that pretends otherwise is inventing a ruling. One-tap payment, receipt kept for tax relief — and the annual korban queue alongside it: one animal, seven shares, registration to meat distribution on one receipt trail, with the mosque's committee seeing only what the ameen needs to see.

Masrif Belajar

learning Arabic & deen
In the workshop

Structured lessons where teachers and scholars author the curriculum and the assistant only ever teaches from it — the teacher-in-the-loop pattern that works in AnTeraju, pointed at Arabic, tajweed and deen basics for adults who missed the classes.

Masrif Masjid

the mosque committee
Concept

A surface for the jawatankuasa: collections that reconcile to the ringgit, baitulmal statements the jemaah can actually audit, event and khutbah logistics — with attendance kept as a count, never as a surveillance list.

Masrif Waqaf

endowments that outlive you
Concept

Every waqaf ringgit carries provenance from receipt to disbursement — the same append-ledger honesty we ask of traffic data, applied to the most trust-sensitive money in a Muslim's life. A receipt chain nobody can quietly edit after the ameen changes.

The spine — and the firewall

The family pattern we already ship elsewhere: one identity, append-only records, every view scoped to the need. With one rule no other Antrex product needs and Masrif demands.

Muslim ID
one person, one app
→
Deen ledger
on-device · private forever
→
Dana ledger
regulated · auditable
→
Six surfaces
harian → waqaf

no join key between the two ledgers — unqueryable by design

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