Round-up giving
Automatically rounds up a retail transaction and channels the difference to waqf, turning spare sen into continuous contribution.
I-Waqf
I-Waqf — Digital Endowment Ecosystem
I-Waqf is powered by our API Rounding-Up fintech product and operates as Waqf eMall — a wakalah-model fund-raising platform, rather than a standalone system. It embeds automated micro-transaction mechanisms into the retail economy to unlock Malaysia's cash waqf potential.
Market opportunity
Enormous intent, minimal infrastructure
Malaysia's cash waqf potential is vast, but the gap has never been willingness — it has been friction. Giving requires a deliberate act, a separate channel and a moment of attention that daily life rarely provides.
I-Waqf closes that gap by moving waqf into the flow of everyday retail spending. When contribution is automatic, small and continuous, participation scales from the committed few to the everyday many.
“When contribution is automatic, small and continuous, participation scales from the committed few to the everyday many.”
The ecosystem
How the ecosystem works
01
Retail integration
Waqf mechanisms sit directly inside merchant and retail payment flows.
02
Automated micro-transactions
Small contributions attach to ordinary purchases with no extra effort by the giver.
03
Institutional channels
Funds move through recognised waqf and financial institutions.
04
Transparent records
Digital reporting lets contributors and institutions see mobilisation as it happens.
FinTech
Three FinTech solutions
Merchant contribution
Lets merchants commit a set share of sales to waqf, embedded in their payment processing and reported automatically.
Recurring digital waqf
Scheduled contributions from individuals and institutions, managed digitally end to end with full records.
Ecosystem partners
- Bank Islam
- BSN
- SME Bank
- MIDF
- Maxis
- TM
- AppAsia
- Infinity Channel
- Daie Bestari
- Technology Park Malaysia
Make everyday transactions part of lasting impact
Explore how API Rounding-Up and Waqf eMall can connect your institution, merchants and community.