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Research · Product · Brand · Launch

Your masjid,
one tap.
See where it arrives.

The complete plan for a masjid-first giving platform built for Muslims across the United States: the market, the people, every way of giving, the product, the brand, the numbers and the road to Ramadan 2027.

Prepared forDelwar Ansar and team
Prepared byNezT Digital
EditionNovember 2026 · v2.0
ScopeUnited States only
1:52●●● ▮
Mishkat✓ Verified masjid
Masjid Al Huda
Warren, Michigan · Receipts from the masjid
Roof and windows fund46%
$18,420 of $40,000 · 212 neighbors
GeneralJumu'ahBuildingIftarZakat Z
Give quietly, name hidden
Pay $25 with wallet
Apple Pay, Google Pay or card · 0% platform fee
Chapter 01 · The moment

It starts on a Friday, at the door of the masjid.

نية
Niyyah · intention. Every gift begins here.
2,769
masjids counted in the United States
410
worshippers at an average Friday prayer

Source: US Mosque Survey 2020, ISPU.

The story

The khutbah ends. Four hundred people stand, pray and begin to move toward the doors. Somewhere in that crowd, a young nurse decides she wants to give twenty dollars to the roof fund. She has no cash. The box is at the exit, the crowd is thick, her ride is waiting. By the time she reaches the car, the intention has quietly slipped away.

Multiply that moment by every Friday, by 2,769 masjids, by every Ramadan night. That is the gap this plan closes. Not with a louder ask, but with a quieter, faster, more trustworthy way to act on an intention the moment it appears, and to see exactly where the money arrived.

01

Built for the masjid first

Permanent QR codes, Jumu'ah giving and treasurer tools, not another generic crowdfunding site.

02

Faithful to the rules

Every type of giving handled by its own rules, approved by an independent Shariah board.

03

Money never touches us

Every donation lands directly in the masjid's own account. A promise built into the system.

This plan brings together two earlier research rounds, a fresh sweep of the market, the psychology of how Muslims in America give, and a full design of the product and brand. Every number carries its source; every assumption is marked as one. Fact sourced · Assumption our model · To validate tested in the field first

Five leaks

One Friday, from khutbah to midnight: five leaks between an intention and a gift.

Source for leak 1: PYMNTS Intelligence, mobile wallet usage study. Timings are illustrative of a typical Jumu'ah.

Three people at the box

Three people stand at the same box. Each loses something different when giving stays analog.

To validate These voices are composites drawn from our research, to be confirmed in ten treasurer interviews and thirty donor conversations before we build.

The whole idea in sixty seconds

A masjid-first giving platform for America, where every gift follows its intention and lands straight in the masjid's own account.

The problem

Giving leaks at the door

Cash is disappearing, boxes are crowded, receipts are missing and treasurers count notes until midnight. Muslim Americans send only 27% of their faith giving to their house of worship, against 51% for other Americans.

The product

Scan, choose, give in 20 seconds

A permanent QR code for every masjid and fund, wallet payments with no account, every giving type handled by its own rules, and a habit engine timed to Jumu'ah and Ramadan.

The difference

Local, faithful, transparent

0% platform fee for masjids. Zakat that stays in your city. Anonymous by default. An independent, publicly named Shariah board. Hands-on setup that kiosk vendors and global sites do not offer.

The plan

Michigan pilot in Ramadan 2027

Three to five masjids, web and QR only, from about 8 February 2027. Apps and campaigns before Dhul Hijjah. Then New Jersey, Illinois, Texas and New York.

$4.3B
given by Muslim Americans each year
2,769
masjids, up 31% in ten years
$1.8B
in Zakat in a single year
20s
target time from scan to receipt
0%
platform fee for every masjid
$52.9M
modeled giving through the platform by year 3
Our promises✓ Money goes straight to the masjid's account✓ No fee ever taken from Zakat✓ Anonymous unless you choose otherwise✓ Receipt in under a minute✓ Every gift kept in your history, for life

Sources: Muslim American Giving 2021 and Muslim American Zakat Giving 2022, Lilly Family School of Philanthropy; US Mosque Survey 2020, ISPU. Year 3 volume is our model.

Chapter 02 · The market الأمة

A young, growing, remarkably generous community. The masjid is the most underserved part of it.

Growth

US Muslim population, all ages (millions)

2050 is Pew's projection. Roughly 100,000 more each year.

Masjids in the United States

Up 31% in ten years. 4 million Muslims attend a masjid at least for Eid prayer.

410

Average Jumu'ah attendance in 2020, up from 353 in 2010.

Moving to the suburbs

New masjids open mostly in suburban and rural areas. Congregations drive, park and leave fast, so the giving moment is short.

Half have a paid imam

Masjids are professionalizing: payroll, budgets and the need for steady monthly income. Growth comes from births and immigration: new families who expect digital-first services.

Sources: Pew Research Center, US Muslim population estimates (2018 and earlier); US Mosque Survey 2020, ISPU, Report 1.

Generosity & the masjid gap

Muslim Americans give 70% more than average

Average yearly giving per person, all charitable giving, 2020

Muslim Americans
$3,242
General population
$1,905

Yet their masjids receive a far smaller share

Share of faith-based giving that goes to the house of worship

Muslim Americans
27.4%
Other Americans
51.3%
Insight · the masjid gap

Churches capture about half of their members' faith giving. Masjids capture about a quarter. The money exists. What is missing is a trusted, effortless channel from the worshipper to the masjid. Closing even part of this gap changes a masjid's finances.

1.4%

of all US individual giving comes from 1.1% of the population, about $4.3B a year

$2.4B

a year to faith-based causes

84%

of Muslim American giving supports causes in the US

2×

the civil-rights giving share of other Americans, 11.9% against 5.5%

Sources: Muslim American Giving 2021, Muslim Philanthropy Initiative, Lilly Family School of Philanthropy, Indiana University; Good Faith Media; Shariq Siddiqui, AAPIP.

Where Zakat goes

$1.8 billion in Zakat a year

Our positioning
"Your Zakat stays in your city."

Domestic nonprofits and Zakat handed directly to people in need together make 33%. A masjid that runs a verified local Zakat fund, approved by the Shariah board, becomes the trusted home for that money: the neighbor behind on rent, the family that just arrived, the student in debt. No international charity can credibly make this promise. We can.

A local Zakat fund pays for

The youth gap inside the masjid

Share of people aged 18 to 34

US Muslim adults
54%
Adult masjid attendees
29%

More than half of Muslim American adults are young, but they are under a third of the people at the masjid. They give online, by wallet, and expect proof. A masjid that wants their giving has to meet them on their phones.

Sources: Muslim American Zakat Giving 2022, Lilly Family School of Philanthropy (average household Zakat $2,070, 1,005 respondents); US Mosque Survey 2020, ISPU.

How America pays
65.6M

active Apple Pay users in the US in 2025, close to half of all mobile wallet users

99.5M

Americans scanned a QR code on their phone in 2025

31%

of consumers used a mobile wallet in a store, up from 14% a year earlier

$47M

raised on LaunchGood in one Ramadan from 1.05 million donations

What the church world already learned

952,724 online church gifts, 2025. Share of givers vs share of money.

Recurring · givers
22.5%
Recurring · money
40.9%
Weekly+monthly · givers
23.7%
Weekly+monthly · money
70.3%

Recurring gifts were 42% of digital church giving in 2024. Churches offering wallets, recurring and livestream giving were nearly twice as likely to grow. Cash held steady: digital adds to the box instead of replacing it.

Ramadan concentrates the year

LaunchGood, money raised

Ramadan, 30 days
$47M
Other 11 months
$47M
60%

of Ramadan donations historically arrive in the last ten nights. Campaigns in the last ten days raise 27% more than in the first twenty. A platform not ready for Ramadan misses half the year.

Sources: Capital One Shopping and Insider Intelligence via NCHStats; Statista and eMarketer; PYMNTS Intelligence; LaunchGood Ramadan Giving Report; Nucleus Church Giving Statistics 2026; Ministry Brands State of Church Giving 2025 and 2026.

Where we start

Michigan first. Then the states where Muslim life is densest.

About 273,734 Muslims, 2.75% of the state, concentrated in metro Detroit. Diverse by origin, which makes it the perfect proving ground for a brand that must serve every community, not one.

Pilot area, metro Detroit

📍 Hamtramck📍 Warren📍 Detroit📍 Dearborn📍 Troy📍 Sterling Heights

Pilot masjids chosen across communities: South Asian, Arab, Bosnian, African American and convert-led congregations. No masjid has been contacted yet.

Pilot, 2027 Wave 2, late 2027 Wave 3, 2028 California, after its platform rules review

Each new state opens only after a charitable solicitation review. New Jersey has two to three times the national share of Muslim adults per capita.

Sources: ISPU, Muslims for American Progress, Michigan (2015 estimate); Pew Research Center; California Attorney General, charitable fundraising platforms. Expansion waves are our proposal.

Chapter 03 · The people الناس

Six people we design for. They all want to give rightly, and to know it arrived.

Six people

Each is a composite built from the research, checked against real interviews before a line of code is written.

Ten principles

The psychology of giving with intention: each principle rooted in faith, proven by behavioral science, and fenced by a line we never cross.

PrincipleRooted in faithProven by behavioral scienceHow Mishkat applies itThe line we never cross
How a gift feels

How a Friday gift feels, today and with Mishkat

At the box

Today the curve dips when there is no cash. With a code on every wall and table, the intention becomes a gift before the worshipper reaches the door.

That evening

A short thank you with a dua and the masjid's name arrives. No guilt, no second ask. The gift is acknowledged.

At tax season

A single January statement lists every gift with each masjid's legal name and EIN. The lowest point today becomes a quiet moment of trust.

Next Friday

A field report shows what the roof fund achieved. The worshipper chooses "every Friday", and giving becomes a habit.

To validate The curve is a design hypothesis, redrawn from real interviews during the field sprint.

Two weeks in the field

We test the riskiest beliefs first, with real masjids.

Both earlier research rounds were desk research. This sprint adds what desk research cannot: watching a real Jumu'ah, hearing treasurers, and measuring whether people actually scan. It runs inside Phase 0 and costs almost nothing.

The one test that matters most

A poster at one friendly masjid, this Friday

One QR poster linked to the masjid's existing donation page, announced in one line after salah. We count scans and gifts. Real behavior beats any survey.

H1

Worshippers will scan. Go if at least 8% of Friday attendance scans in the poster test.

H2

Treasurers want it. Go if 6 of 10 say they would switch for fund totals and board reports.

H3

Weekly giving appeals. Go if 1 in 5 donors say they would choose every Friday.

MethodWhat it answersEffort
Observe two Jumu'ahsAttendance, how cash moves, phone etiquette, where people walk out2 Fridays
10 treasurer interviewsPain points, current tools and contracts, fear of public totals, how boards decide30 min each
30 donor conversationsWho decides the gift, cash or wallet, appetite for weekly giving, privacy1 day
QR poster testReal scan and completion rates before any code is written1 Friday
Tool inventoryWhich kiosks, Zelle, PayPal or vendors each masjid uses today1 day
Audience location checkShare of our promotion audience that lives in the US and near a pilot masjid1 hour
Chapter 04 · The landscape الميدان

Everyone owns a piece. Nobody owns the whole Friday.

A Michigan treasurer compares us with kiosk vendors, masjid apps and generic donation tools already pitching at their door. We studied all of them.

Positioning map
Built for the masjid's daily life →Depth of Islamic giving rules and trust → Charities with deep rules, not platformsGeneric donation toolsMasjid software, light on giving rules

The empty corner is where we stand.

Masjid first, and faithful to every giving rule. Our earlier research benchmarked against LaunchGood and UK charities. This round maps the US masjid vendors too: MOHID, MadinaApps, Goodbricks, Masjidbox, Masjidal and The Masjid App.

Positioning map: our assessment.

Twelve players

offered · partly, or only on some plans · not found in public material. Based on public websites, app listings and review sites, November 2026. Mishkat shows the planned product.

What a masjid pays

On $100,000 of giving, the masjid keeps up to $3,550 more with us.

Yearly platform and software cost only. Card processing (about 2.2%–2.9% + 30¢) applies everywhere and is excluded.

Donorbox Pro
$3,550
Givebutter, tips off
$3,000
Donorbox Standard
$2,950
MOHID Basic
$1,188
Mishkat
$0

Donorbox Pro: $150/month + 1.75%. Standard: 2.95%. Givebutter without tips: 3%. MOHID Basic: $99/month plus processing.

$1.27M

a year stays with masjids in year 3 that a 2.95% platform fee would have taken, across $42.9M of modeled masjid giving.

Mishkat charges masjids nothing. Donors may add an optional tip that is clearly labeled, defaulted low, easy to set to zero and never taken from Zakat.

Sources: Donorbox pricing via G2 and PayIt2 (June 2026); Givebutter; MOHID via GetApp.

What each teaches us
LaunchGood

Scheduled giving and Zakat trust

Friday Givers, Ramadan plans and a Zakat badge it says helps campaigns raise five times more. We learn the mechanics, and stay masjid first.

Masjidbox and MOHID

The screen in the prayer hall

QR codes on lobby screens and kiosks prove masjids will display giving. We do it with no hardware required.

Goodbricks and The Masjid App

Treasurer reports

Deposit reports, pledge tracking and every-Friday donations are table stakes for the buyer. We include them from day one.

Feeling Blessed

Round-ups and a giving cart

Spare-change giving and multi-cause carts show donors want small, frequent acts. A strong Phase 2 idea for us.

JustGiving and GoFundMe

The tip lesson

High default tips draw public criticism. Ours defaults low, says plainly who receives it, and zero is one tap away.

The finding

Everyone owns a piece

Nobody joins daily masjid giving with the full depth of Islamic giving rules and visible trust.

Sources: Masjidbox; Goodbricks; LaunchGood Ramadan page; Feeling Blessed App Store listing; CharityWatch on GoFundMe tips.

Built on what came before
Kept and strengthened
Trust is the productVerified recipients, published Zakat policy, visible fees. Now the backbone of the brand.
Money never held by usDirect charges into each masjid's own Stripe account. Built into the system, not just policy.
Two modes, one platformMasjid QR giving and campaigns share one ledger and one donor.
Honest Zakat labelsZakat eligible, Sadaqah only and Disputed badges, ruled by an independent board.
Web first, app secondQR works in any phone browser. The app follows for habits and reminders.
A narrow Ramadan pilotThree to five masjids, web and QR only, with a clear setup gate in December.
Calm, dignified designNo pressure tactics, no shock images, Islamic terms used correctly.
Gaps we closed
The real competitorsUS masjid vendors such as MOHID, MadinaApps and Goodbricks, now mapped and priced.
Primary researchA two-week field sprint with go or stop rules before we build.
Consumer psychologyTen principles tied to faith, science and ethical limits.
The habit engineA notification system timed to prayer, Jumu'ah and season.
Where the money isThe masjid gap and local Zakat, which became our positioning.
Family and quiet givingOn behalf of parents, anonymous by default, community totals only.
US only, every communityA brand and pilot designed across communities, with state-by-state expansion.
The numbersA transparent revenue model with masjid economics and sensitivity ranges.
New Community and memoryComments and duas on every campaign with moderation, and a lifetime giving history for every donor.
Chapter 05 · Ways to give العطاء

36 authentic ways of giving. Every one handled by its own rules.

Tap a family
The giving atlas

Launch in the Ramadan pilot · Phase 2 by Dhul Hijjah 2027 · Phase 3 late 2027 on · Board needs a written Shariah board ruling. Arabic terms shown for meaning; amounts and rules are set by the Shariah board.

How an intention travels
Step 1 · The donor chooses an intentionStep 2 · Its own ledgerStep 3 · Allowed uses
Zakat · only on board-approved funds
Zakat ledger · no tip, no fee
Eligible recipients only · the eight categories, local first
Fidya, Kaffarah, Fitr
Feeding ledger · board amounts
Meals delivered · masjid food programs, logged
Sadaqah and masjid funds
General ledger · optional tip allowed
Chosen fund or need · masjid decides within the fund
Interest disposal
Riba ledger · uses set by the board
Permitted public uses · never called a donation
Step 4 · Reported back

Each ledger reports separately, so a masjid can prove Zakat was spent as Zakat, and every donor sees what their intention became.

Immutable. The intention is written to the ledger at payment. A correction adds a new, logged entry, never an edit.

Separate. Zakat, feeding, general and Riba money never mix, in data or in reports.

Accountable. Each masjid gets a Zakat received and paid report it can show its community.

Chapter 06 · The product المشكاة

From the poster to a receipt in about twenty seconds.

Live demo · tap the steps or the phone
The Friday QR journey
1:47●●● ▮
Mishkat
Give to Masjid Al Huda
mishkat.org/alhuda · code MH12
1 Scan · 2 Choose · 3 Tap
Receipts issued by Masjid Al Huda Inc.
Mishkat✓ Verified
Masjid Al Huda
Warren, Michigan · EIN on file
Roof and windows fund46%
GeneralJumu'ahBuildingIftarZakat Z
Give quietly
What is your intention?
Your niyyah decides how this gift is used and recorded.
Zakat 🔒The Jumu'ah fund is not a Zakat fund. Choose the Local Zakat Fund instead.
Masjid Al Huda · Jumu'ah
Gift$20.00
IntentionSadaqah · quiet
Cover the card fee$0.88
Optional tip to keep Mishkat free for masjids
Not part of your donation. Never taken from Zakat.
None$1$2Other
Total$20.88
Card · bank · PayPal also available
Paid directly to Masjid Al Huda
جزاك الله خيرا
JazakAllahu khayran
May Allah accept your Sadaqah and bless Masjid Al Huda.
✓ Tax receipt sent to your email
✓ Saved to your giving history, for life
Make it every Friday?
$20 after Jumu'ah each week. Pause or stop in two taps.
A gentle Friday reminder
No app, no account, no typing

Amina's $20 reaches the roof fund before she reaches the car.

Six rules, four surfaces
1

Trust is visible where the decision is made

Verified badge, fund type and fee disclosure beside every Donate button.

2

Fewest steps to give

No account, wallet first, three taps. The QR page loads fast on weak masjid signal.

3

The intention is never ambiguous

Every gift is named: Sadaqah, Zakat, Fidya. A mislabeled Zakat is a religious problem.

4

Quiet by default

Names hidden unless the donor chooses. Community totals, never personal rankings.

5

Calm, never pushy

No countdowns, no guilt. Giving here is worship, and the tone respects that.

6

Proof follows every gift

Receipt in a minute, field reports after, a statement every January.

Donor web and app

QR pages, campaigns, comments and duas, Zakat hub, plans, receipts, lifetime history

Masjid portal

Funds, QR manager, dashboard, reports, screens

Organizer portal

Campaign builder, updates, field reports

Trust console

Verification, Zakat review, comment moderation, flags, audit log

Four products on one platform. One ledger runs beneath all of them. Everything shown is a working design, ready to build.

What ships when
Ramadan pilot

Masjid pages, QR codes and posters, quick donate, Jumu'ah and Ramadan Nights giving, wallet and card, receipts, giving-type pages, masjid dashboard, trust console, lifetime giving history from the first gift.

Before Dhul Hijjah

iOS and Android apps, campaigns with comments, duas and moderation, Live Event Screen, family giving, Zakat tracker, DAF and PayPal, Qurbani through partners.

Late 2027 on

Neighbor in need at scale, Qard Hasan records, Waqf, round-ups, new states, labeled partner placements.

New Campaigns as a community

Every campaign reads like a post. Every gift can carry a dua.

Try it · turn on moderator view
Campaign, comments & moderation
Photo from the masjid, credited and dated
✓ Verified masjidSadaqah JariyahTax deductible

Finish the roof and windows at Masjid Al Huda, Warren

Winter leaks have closed the women's prayer area twice this year. Contractor quotes are attached, and every invoice will be posted.

$18,420 of $40,000212 neighbors
Where your money goes
Roof membrane, 9,000 sq ft$26,500
Six prayer hall windows$11,200
Permits and inspection$2,300

Charity of record: Masjid Al Huda Inc. · EIN on file · issues all receipts. Report a concern on every page, with a deadline and a visible outcome.

Duas & comments (5)

Every gift, even $1, can carry a comment. The amount shows only if the donor chooses; otherwise "Anonymous". Comments appear in time order, never ranked by amount.

Two buttons for admins

Hide keeps it for review. Remove takes it down with a reason.

Same rule for everyone

Abuse, hate or spam is removed, whoever writes it and whatever their faith.

Logged, never silent

Each action is written to the audit log: who, what, when, why. The gift itself is never touched.

Zakat hub
mishkat.org/zakat
Zakat hub

Pay your Zakat with confidence

Nisab todayLiveGold and silver, in USD
Calculator5 minutesSaved to your account
Approved fundsLocal firstBoard verified only
How we label every fund
Z Zakat eligibleApproved in writing by the Shariah board
Sadaqah onlyGood causes that Zakat cannot fund
Scholars differShown honestly, so you can follow your own scholar

Read the full Zakat policy · Ask a question privately · No platform fee or tip is ever taken from Zakat.

Our Shariah board

Scholar one
Named at launch
Scholar two
Named at launch
Scholar three
Named at launch

Scholars named publicly, with a conflict-of-interest policy on file.

Every trust question answered on one page

Budget line by line, checked by reviewers against quotes before the page goes live. Charity of record named on every page, with who issues the receipt. Report a concern on every page.

New Your giving, kept for life

Every gift, even a single cent, kept and findable. In 6 months, or 11 years.

Try it · search the history
Lifetime history
Eleven years later

In 2038, Amina searches "roof". There it is: her first $20, Friday 29 January 2027, Masjid Al Huda, Sadaqah, receipt MH-2027-0012, and the field report showing the finished roof.

Why it can't be lost

Every gift is an immutable ledger entry: amount, intention, fund, masjid, QR source, receipt number. Refunds and corrections add entries; nothing is edited or deleted.

MH-2027-0012 · $20.00 · SADAQAH · ROOF · QR MH12 · 2027-01-29T13:47

Stored for the life of the account, backed up off-site, exportable any time as PDF or CSV. Masjids keep the same record for their own books.

Year-end statement

Tax season in one email.

Every January, one statement lists each gift by masjid, with its legal name, EIN and the words the IRS requires for gifts of $250 or more. Tips are listed separately as not deductible. Receipts are issued in each masjid's name, as the charity of record. Gifts to individuals are never labeled as deductible.

Your giving, 2026
48 gifts · 3 masjids · 1 cause
$3,862
Masjid Al Huda · EIN on statement$2,300
Local Zakat Fund, Warren$1,190
Islamic Center of Troy (demo)$372
Platform tips, not deductible$120
Download 2026 statement
Also emailed on 15 January · Zakat $2,340 · Sadaqah $1,402 · Fidya $120
Family giving

One phone, a whole family's intentions.

Built for Nadia and her father. The daughter's wallet, the father's niyyah, his name in the dua. For parents who passed, a yearly reminder on their anniversary. Names of the deceased are shared only by the family.

Give on behalf of
Abba · Abdul KarimEvery Friday · $20
Ammu · RokeyaRamadan Nights · $10
Nana, may Allah have mercy on him In memorySadaqah Jariyah · yearly on 12 Rajab
اللهم تقبل منه
"O Allah, accept it from Abdul Karim." Shown on his Friday receipt.
Neighbor in need

Help without exposure.

The masjid verifies the need and writes it anonymously. Names and faces are never shown. Payments go to the landlord or utility, not as cash.

Verified by Masjid Al Huda

A mother of three, two months behind on rent

After a layoff in October, a Warren family is facing eviction. The masjid has met them, checked the lease and will pay the landlord directly.

$2,640 needed71%
Z Zakat eligible, board approved

Her name, photo and address are never shown. Only the masjid knows who she is.

Give $100 as Zakat
Chapter 06–07 · The app & the habit engine تذكير

A gentle nudge at the right sacred moment. Never noise, never guilt.

The app
9:41●●● ▮
Assalamu alaikum
Amina
68%Zakat fulfilled
86days to Ramadan
Field report
The new roof is on. Alhamdulillah.
212 neighbors gave $40,000
Your masjid
Masjid Al Huda
This Friday $15 scheduled · Jumu'ah 1:30 pm

Home

The donor's masjid first: next Jumu'ah, this week's gift and the latest field report. No feed, no noise. Prayer times by city decide when reminders may arrive.

9:41●●● ▮
Your Zakat
Year completes on 3 Ramadan
68%
$1,590 of $2,340 given
Cash and bank$61,200
Gold and silver$8,400
Stocks and 401k (board method)$24,200
Debts due($200)
Nisab today, silver basis · live
Give remaining $750

Zakat, made clear

Calculate once with live nisab, save the amount, watch the ring fill as you give to approved funds only. A reminder a week before the Zakat year completes.

9:41●●● ▮
Ramadan Nights
Masjid Al Huda · after Maghrib
Nights 1 to 20$10 a night
Last ten nights$20 a night
Odd nights extra+$10
Total for Ramadan$450
Start my plan
Laylatul Qadr is sought, never promised on one night

Ramadan Nights plan

Choose once, give every night after Maghrib, more in the last ten. Pause any single night. Charged in the donor's own time zone.

Phase 2

The app turns single gifts into a practice.

Fridays, Zakat and Ramadan in one place, plus the lifetime history and comments on campaigns. QR giving needs no app at all.

On the lock screen
1:52
Friday 13 November
MISHKAT · NOWJumu'ah MubarakYour $15 for Masjid Al Huda goes out after salah today.
MISHKAT · YESTERDAYTomorrow is Jumu'ahMasjid Al Huda is 82% of the way to this week's goal.
MISHKAT · TUEThe roof is finished212 neighbors made it happen. See the photos.
MISHKAT · SUNYour Zakat year completes in 7 daysYou have fulfilled 68%. Give the rest to approved funds.
MomentWhen it arrivesExample messageWhy it works

Ask after a gift

Permission requested on the thank-you screen, with the reason.

Silent at salah

Quiet windows around each prayer, by the city's prayer times.

One tap to pause

Any reminder can be paused from the message itself.

Text only with consent

SMS needs a recorded opt-in and a STOP reply option.

The rules

Only half of people allow notifications

Median opt-in rate, 2025

Android
53.3%
iPhone
48.85%

Open rate by type

Triggered by an action
14.4%
Generic broadcast
4.19%
Implication

We ask for permission only after a gift, with a clear reason ("a gentle Friday reminder"). Every message is triggered by the donor's own plan, masjid or Zakat year: exactly the kind opened more than three times as often.

3:1
thank-yous and impact news for every ask
2
asks a week at most, one a night in Ramadan
0
messages during salah, by city prayer times

What we will never send

  • Guilt or fear-based appeals
  • Countdown timers and fake urgency
  • Who gave what, about anyone else
  • Promises of spiritual reward
  • Political or partisan content
  • Messages to people who opted out

Sources: Airship Mobile App Push Notification Benchmarks 2026 (2025 medians); Batch Push Notifications Benchmark 2025, via MobiLoud and WiserNotify.

The giving year

November 2026 to December 2027 · a calendar the whole product breathes with

Every week
Sat
Field reports posted
Sun
Quiet
Mon
Treasurer weekly report
Tue
Payouts land
Wed
Quiet
Thu
Jumu'ah eve reminder
Fri
Giving and follow-up
A donor's first ninety days
Day 0 · First QR gift, receipt, duaDay 6 · Thursday reminder, if allowedDay 14 · First field reportDay 21 · Invited to Jumu'ah GiversDay 45 · Zakat calculator offeredDay 80 · Ramadan plan invitation
Ramadan, night by night

Night 1 · welcome, plan reminder · Every night · one message after Maghrib, at most · Night 21 · the last ten begin, plans step up · Odd nights · a quiet note, never a claimed date · Eid morning · Zakat al Fitr closes before prayer

Hijri dates are Umm al-Qura estimates. Each masjid confirms its own Ramadan and Eid dates.

Chapter 06 · Everything behind the tap

Kareem's Friday night, now: the totals are already there.

Masjid portal
portal.mishkat.org · Masjid Al Huda
Mishkat
Dashboard
Funds
QR codes
Screens
Field reports
Comments
Donors who opted in
Payouts and statements
Team and roles
Jumu'ah, Friday 13 November · liveBoard report for October is ready · PDF
Given today$3,41218% more than last Friday
Jumu'ah Givers467 joined this week
Gifts today138Average $24.70
Cash counted$0Nothing to bag tonight

By fund, today

Jumu'ah
$1,486
Building
$802
General
$650
Zakat fund
$474

By QR location, today

Main entrance · 52$1,284
Lobby screen · 31$802
Women's section · 24$596
Parking lot sign · 19$446
Recurring, automatic · 12$284

Last eight Fridays

Zakat fund
Received $9,840 · Paid out $7,120 · separate report ready
Next payout · view only
$3,318 to the masjid's bank on Tuesday, by Stripe
Ramadan readiness
✓ Iftar calendar · ✓ Fitr amount published · 3 of 5 posters printed · ✓ Imam's script approved

Roles for admin, treasurer and viewer, because masjid boards rotate. Payouts are view-only and controlled by Stripe and the masjid. Reminder: post this month's field report to keep donors informed.

Website
mishkat.org
MishkatWays to give · Masjids · Zakat · Discover · Start fundraising · Sign inGive now
Ramadan 1448 begins about 8 February
Give to your masjid in one tap. See where it arrives.

Verified masjids, every type of giving handled by its own rules, and every dollar paid straight into your masjid's own account.

Verified masjidsPaid directly to the masjidTax receipts
Intention
Sadaqah ▾
Masjid or cause
Al Huda, Warren ▾
Amount
$25
OnceEvery FridayMonthly
Give
What would you like to do today?
Pay Zakat
Give Sadaqah
Support your masjid
Feed a neighbor
Dispose of interest
Sadaqah Jariyah
Fidya and Kaffarah
Give for a loved one
Giving now in Michigan · $1,240 in the past hour
Anonymous · Warren · $25 to Jumu'ah
Field reportPantry served 312 families in October

Intentions and masjids first. No sponsored carousel, no noise. Built mobile first, server-rendered for speed and search, English first with Arabic, Urdu, Bangla and Spanish ready.

In the masjid

QR manager

Main entrance
MH12 · Jumu'ah fund
Active
Women's section
MH14 · General fund
Active
Iftar table
MH21 · Iftar fund
Ramadan
Old lobby sticker
Retired after tamper check
Retired

Each code is permanent and never encodes an amount, so it never expires. A damaged or suspicious sticker is retired in one click.

Mishkat
Give to Masjid Al Huda
Jumu'ah fund · this week's goal $3,000
mishkat.org/alhuda · MH12
1 Scan · 2 Choose · 3 Tap
Poster 11×17 in. Also table tent, flyer, sticker.
Annual dinner · live
A new home for our weekend school
$86,450
raised tonight of $120,000
Anonymous · $500 · "For my mother"
Yusuf · $250
Anonymous · pledge $1,000

Live Event Screen with volunteer view (cash, checks, pledges logged) and pledge follow-up links.

Trust console
trust.mishkat.org
Verification queueMasjids 4Campaigns 7Zakat cases 2Reports 1Comments flagged 3
OrganizationEIN matchIRS statusOfficer IDsOFACBank ownerDecision
Masjid Al Huda · Warren, MI✓✓2 of 2Clear✓Approved
Islamic Center (demo B) · Dearborn✓✓1 of 2Clear✓More info
Masjid (demo C) · Hamtramck✓Church status2 of 2Clear✓CPA review
Relief group (demo D) · out of state✓Pending–––Hold

Fraud monitor

Many failed cards: 14 attempts in 3 min, blocked automatically. Bank details changed: payout waiting period started. Reused photo: sent to reviewer.

Zakat case Z-0142 · with scholar board

Local Zakat Fund, Al Huda. Categories: the poor, those in debt, the stranded traveler. Committee of three. Votes: approve · approve with yearly audit · pending. Reasons published in summary.

Audit log

2:04 pm Reviewer approved Masjid Al Huda · 1:58 pm Support resent a receipt · 1:31 pm Finance corrected a fund type, new ledger entry · 1:12 pm Moderator removed a comment, reason: abuse

Roles: reviewer, finance, scholar, moderator, support and super admin. Two-factor sign-in for all. No role can move, pause or redirect donated money. Tiered checks, fast freeze, QR integrity, every action logged.

How it's built
The only allowed money path
Donor's wallet→Masjid's own Stripe account→Masjid's own bank

Only the optional tip, shown separately, reaches the platform's US entity. No admin screen, key or staff role can hold, pause or redirect a donation.

Donor web

Next.js, server-rendered, very light QR pages

Donor app · Phase 2

React Native or Flutter on the same API

Masjid and trust portals

Role-based, two-factor sign-in

API and logic

Node.js with NestJS: funds, intentions, reviews, comments, permissions. Jobs for receipts, plans, reports.

Ledger

PostgreSQL. Every gift an immutable entry tagged by intention, fund, masjid and QR source, kept for life. Refunds add entries, never edit.

Stripe Connect, direct charges

Each masjid its own account. Apple Pay, Google Pay, cards, ACH.

Messaging and push

Email receipts, opt-in SMS, push timed by local prayer times.

Verification and screening

Identity, bank ownership, OFAC lists re-run regularly; comment filter with human review.

Card data never touches us (hosted Stripe fields, lightest PCI scope). Load-tested for Fridays and the last ten nights. Encrypted in transit and at rest, external review before launch. WCAG 2.1 AA, right-to-left ready.

Chapter 08 · Trust أمانة

Amanah is the product. Designed into the system, not written into a policy.

One fraudulent campaign, one mislabeled Zakat, one frozen payout can undo years of goodwill.

Four layers
Legal

Is this a real, tax-exempt organization?

EIN matched to IRS records, IRS letter or church status papers, state good standing, board resolution naming two officers.

Religious

Is the Zakat label defensible?

A written policy from an independent, publicly named Shariah board, applied to every fund. Disputed cases go to the board.

Financial

Does money go where promised?

Bank ownership checked by Stripe, separate ledgers, spending receipts, monthly field reports, Zakat paid-out reports, a lifetime record of every gift.

Platform

Is everyone who they claim to be?

Identity checks, OFAC screening re-run regularly, human review, a report button on every page, comment moderation, fast freeze.

Donor's walletMasjid's own Stripe accountMasjid's own bank No platform, partner or staff account in the path. Only the optional tip reaches the platform.
Badges & when things go wrong
Badges a donor sees
✓ Verified masjidZ Zakat eligibleSadaqah onlyScholars differTax deductibleBoard endorsed

Honest labeling earns more trust than pretending every question is settled. Where scholars differ, we say so, and donors follow their own scholar.

If something goes wrong
1

Receive

Report button, email or phone. Reply within 24 hours.

2

Triage

Low, medium or high: fraud, abuse, scholar dispute.

3

Contain

Pause new gifts to the fund. Money given stays put.

4

Investigate

Trust team, Shariah board or masjid board.

5

Resolve

Fix, reinstate, or remove with refunds.

6

Speak

One spokesperson. Facts only.

7

Learn

Review within 7 days, update the playbook.

Shariah board & local Zakat

An independent Shariah board

  1. Two to three qualified scholars from different backgrounds, publicly named with short bios.
  2. Not employed by, paid by or reporting to any business partner. A signed conflict-of-interest policy.
  3. Writes the public Zakat policy and sets Fitr, Fidya and Kaffarah amounts each year.
  4. Approves each Zakat fund in writing. Majority decisions, reasons recorded.
  5. Reviews funds and policies every year, and recuses from causes it is tied to.

Local Zakat, set up for each masjid

Many masjids have no formal local Zakat program. We help them start one, and that becomes a reason to choose us.

✓ Intake form for families in need✓ Committee of three to decide cases✓ Board approval of the fund's categories✓ Payments to landlords and utilities✓ A Zakat received and paid report

Independent scholars decide religion. Counsel decides law. We build both into the product.

US compliance

Tax receipts

Written acknowledgment for any gift of $250 or more, in the masjid's name. Tips never called deductible.

Michigan

Charities raising over $25,000 in 12 months register with the Attorney General. Religious organizations may request exemption on form CTS-03.

Other states

A solicitation review before each new state. California has its own platform rules.

Money movement

Direct charges through Stripe Connect, so no party holds donor money.

Sanctions

OFAC screening of every organization, using the Treasury's charity risk guidance.

Messages

Opt-in for texts, opt-out for marketing email, disclosure for ambassadors.

Cards and data

Hosted card fields for the lightest PCI scope. Breach notice without delay under Michigan law. Donor history kept securely for life, exportable on request.

App stores

Apple allows in-app donations only for approved nonprofits using Apple Pay.

Sources: IRS Publication 1771; Michigan Attorney General, Charitable Trust Section and form CTS-03; California Attorney General; Stripe Connect docs; OFAC risk matrix; MCL 445.72; Apple App Review Guidelines 3.2.1. Not legal advice: a US attorney confirms each point before launch.

Chapter 09 · Brand guideline مشكاة

A light in every niche.

Name & values

Mishkat is the Arabic word for the niche in a wall that holds a lamp. In the Verse of Light (Quran 24:35), the light of Allah is likened to a lamp in such a niche, shining from within glass like a radiant star. Every masjid's mihrab is a niche. Every gift is a small light placed in it.

Short, ownable, easy to say in English, meaningful for every Muslim community. Working name: final after partner agreement and a USPTO and domain search. Alternatives: Amanah Give, Masjid Circle, Nur Fund, Jumu'ah Box.

Positioning

For Muslims across America who want to give rightly, Mishkat is the masjid-first giving platform that turns every intention into a gift in seconds, and shows exactly where it arrived. Unlike global crowdfunding sites and masjid software, it is local, faithful to every giving rule, and never touches the money.

Promise

Your masjid, one tap. See where it arrives.

Personality

A trusted neighbor: warm, calm, practical, never preachy.

أمانة

Amanah

Every dollar treated as a trust. Direct payments, clear receipts.

إحسان

Ihsan

Excellence. Fast, calm, beautiful, quick to help.

جماعة

Community

The masjid is the heart. Local stories, Jumu'ah first.

وضوح

Clarity

Nothing hidden. Fees, tips and scholars named plainly.

Logo & color
Mishkat
Mishkat
Mishkat
App icon

A mihrab arch holding an eight-pointed star of light. Arch from two arcs on a 48×62 grid; star at the optical center. Clear space = the star's width. Min 24 px / 0.4 in. Masjid co-branding: masjid logo right of a thin divider. Never stretch, recolor, add effects or add sacred text.

Jumu'ah GiversRamadan NightsLive Event ScreenNeighbor in NeedLocal Zakat FundField ReportsBarakah List
Proportion on any page
Sand 58%Indigo 20%Ink 10%8%
Contrast, checked against WCAG 2.1
Ink on Sand 14.3:1 AAASand on Indigo 12.4:1 AAAGold on Indigo 6.7:1 AAWhite on Green 6.4:1 AADeep gold on Sand 5.3:1 AAGold on Sand 1.9:1 never for text

Chart palette tested for color blindness, fixed order, never cycled.

Type, pattern, imagery
Display · Newsreader
Every gift begins with intention.
Aa Bb Cc 0123456789 · $18,420 of $40,000
Interface · Inter
Give $25 to Masjid Al Huda
Receipt sent to your email. Pause or stop in two taps.
Arabic · Amiri
ربنا تقبل منا
Duas and terms only, checked for accuracy.
Type scale
DisplayNewsreader 420 · 40–66 px
HeadingNewsreader 460 · 22–32 px
TitleInter 640 · 14–16 px
Body textInter 400 · 13–16 px, lh 1.5
EyebrowInter 620 · 10–11 px
Languages we design for
English · Give to your masjid in one tap
Arabic · تبرع لمسجدك بلمسة واحدة
Urdu · ready, reviewed by a native speaker
Bangla · এক ট্যাপে আপনার মসজিদে দান করুন
Spanish · Dona a tu mezquita con un toque

English first. Every translation reviewed by a native speaker. RTL-ready from day one.

Pattern, icons, imagery

The star-and-cross lattice: eight-pointed khatam stars joined by crosses, thin hairlines at low opacity, so it whispers. Icons on a 24 grid, 1.7 stroke, single tone, indigo on sand. No hearts, no sparkles, no faces.

Do
Real photos with written consent · people shown active and strong · results: a finished roof, an iftar served · credit and date every photo · ask before photographing worshippers
Never
Shock images of crying children · injured or unclothed people · women photographed without consent · stock or AI images as real beneficiaries · politicians or campaign material

No Quranic verses near floors, shoes or wudu areas on any printed piece.

Voice & words
PrincipleWe sayWe never say
Sincere"Your Sadaqah helped 40 Warren families with heating bills this week.""We are the best charity platform in America!"
Hopeful"Help a family stay warm this winter.""If you don't give now, this child will suffer tonight."
Specific"$25 covers one family's food box at the masjid pantry.""Give generously to make a huge impact!"
Respectful"Give in the last ten nights. May Allah accept from us all.""Guaranteed Jannah with every donation!"
Honest"Dispose of bank interest the right way.""Earn reward with your interest money!"
Local"Your masjid, your neighbors, your Jumu'ah.""Join our global omnichannel ecosystem."
Neutral"Thank you to everyone who served iftar.""Vote for our candidate and donate today."
Terms, used rightly
Zakat only on board-verified funds · Zakat al Fitr always with the board's amount and the before-Eid deadline · Riba say "dispose of", never promise reward · Fidya, Kaffarah explain the difference, no public donor lists · Sadaqah Jariyah only for lasting projects · Tax deductible only when the charity of record issues the receipt · ﷺ always after the Prophet's name; hadith and ayah referenced and board approved.
Our sign-off
"JazakAllahu khayran. May Allah accept it from you."
Templates

Masjid launch: "[Masjid] now takes donations by QR. Scan after Jumu'ah, tap your wallet, done. This week: [fund], [goal]."
Jumu'ah reminder: "Jumu'ah Mubarak. [Masjid] is [X]% to its [fund] goal. Give in one tap: [link]"
Progress update: "Alhamdulillah, $[amount] from [donors] neighbors. What it did: [result]. Next: [what remains]."

In the world
Table tent · 4×6 in
Ramadan iftar
Sponsor tonight's iftar
$10 a plate · $500 the whole night
Social post · Alhamdulillah
The roof is finished.
212 neighbors gave $40,000 so our sisters can pray dry this winter.
Receipt email · CPA-approved wording
Assalamu alaikum Amina,
JazakAllahu khayran for your Sadaqah of $25.00 to the Jumu'ah fund.
Charity Masjid Al Huda Inc. · EIN on file
Date 13 November 2026 · wallet
Goods or services None were provided in return
Platform tip $1.00 to Mishkat, not part of your gift
Lobby screen
Next prayer · Asr 3:02
This week's Jumu'ah goal
82%
Interface components
Give $25Find your masjidCalculate ZakatEmergency appeal only

8 px radius, never a pill. One green action per screen. 44 px minimum touch target. Spacing 4·8·12·16·24·32·48. 8 px controls, 14 px cards, arch for portraits.

Print & motion

Poster 11×17, flyer 8.5×11, table tent 4×6, sticker 3 in with the masjid code. Placement: entrance, exit, donation box, women's section, lobby screen, parking. Volunteers check every code weekly. In the product, motion is calm 200 ms fades: no confetti, no bouncing, no flashing numbers.

Chapter 10 · The numbers الميزان

Trust first, revenue second. Masjids pay nothing.

Try it · change the inputs
Revenue model
From day one

1 · Optional donor tip

Shown separately at checkout, defaulted low, zero one tap away, never offered on Zakat. The model used by LaunchGood, GoFundMe and Givebutter.

From Phase 2

2 · Masjid Plus, $79 a month

For large centers that want lobby screens, extra QR codes, donor messaging, pledge tracking and advanced reports. Core giving stays free for everyone.

From Phase 3

3 · Labeled partner placements

Verified charities may pay to feature an appeal in clearly marked spots. Never on the masjid page, never unlabeled, never from a riba-based sponsor.

We never charge

A percentage of donations

Masjids keep 100% of what is given, less card processing.

Anything on Zakat

No tip, no fee, no cut. Ever.

Setup or hardware

Posters printed, volunteers trained, at no cost.

For donor data

Never sold, never shared for marketing.

Three-year scenario

Giving through the platform

Masjid giving plus campaigns, per year

Platform revenue

Tips Masjid Plus Placements

Sensitivity, year 3 revenue

Tips on eligible gifts35%
Masjids joiningFull plan
$1.02M
year 3 platform revenue
Tips 25%Tips 35%Tips 50%
Half the masjids$0.46M$0.61M$0.85M
Full plan$0.76M$1.02M$1.41M
AssumptionYear 1 · 2027Year 2 · 2028Year 3 · 2029Basis
Masjids live, average (year end)20 (40)110 (180)330 (480)Michigan first, then four states. 480 is about one in six US masjids.
Online giving per masjid$60,000$95,000$130,000Rises as Jumu'ah Givers build.
Campaign giving$0.4M$3.0M$10.0MVerified masjids and US charities.
Tip participation and size35% of non-Zakat gifts include a tip, averaging 7%. Zakat assumed at 30% of giving.Below LaunchGood's stated 70% tip rate, on purpose.
Masjid Plus adoptionNone yet15%25%$79 a month, large centers only.

Assumption Every figure is modeled from stated assumptions, so anyone can change one input and see the result.

One masjid

A masjid with 400 Friday worshippers can raise about $86,560 a year online

Steady and counted, with nothing to bag on Friday night.

Weekly Jumu'ah Givers
$24,960
8% of worshippers give $15 every Friday
Friday QR gifts
$28,600
25 QR gifts each Friday, $22 average
Ramadan plans and drives
$33,000
60 Ramadan plans at $10 a night, plus $15,000 in drives
Total, a year$86,560
$2,554
kept versus a 2.95% platform fee
104 h
of volunteer cash counting saved

One Friday, pilot targets

What we aim for at each pilot masjid by the end of Ramadan

Why recurring

In church giving, weekly and monthly givers are under a quarter of givers but bring 70% of the money. Seven new Jumu'ah Givers a week compounds into a stable budget line within a few months.

How we measure
AreaMeasureRamadan pilotYear 1
MasjidsMasjids live and verified3 to 540
GivingQR scans per Friday, per masjid6080
GivingScan-to-gift completion55%65%
HabitGivers who choose every Friday20%25%
TrustReceipts sent within one minute99%99%
TrustField reports per masjid each month11
TrustFlagged comments reviewed within 24 hours100%100%
ServiceDonor questions answered within 24 hours95%98%
PlatformUptime, Fridays and Ramadan nights99.5%99.9%
RevenueShare of eligible gifts with a tip30%35%
North star

Active recurring givers

People with a live Jumu'ah, monthly or Ramadan plan. It captures trust, habit and steady income for masjids in a single number.

150
pilot target across the first masjids by Eid al-Fitr 2027
12,000
year 3 target, about 36 per masjid
Chapter 11 · Launch and operations البداية

From zero to Ramadan, then to every state that is ready.

Timeline & the gate
By mid-December

The setup gate

Entity and Stripe platform account approved, Shariah board named, 3 to 5 masjid letters of intent, counsel's Michigan opinion.

If the gate is met

Ramadan pilot, about 8 Feb

Web and QR only. Masjid pages, Jumu'ah and Ramadan Nights giving, receipts, dashboards, lifetime history.

If it is not

Launch before Dhul Hijjah

The same scope in May 2027. We never launch without verified masjids and a board.

2028 and 2029

New Jersey, Illinois, Texas, New York

Each after a solicitation review. California after its platform rules review.

How a masjid joins
The imam's 30-second script

"Brothers and sisters, you can now give to our masjid by QR. Scan the code on the wall, choose the fund, tap your phone, and you are done. Your receipt comes straight from the masjid. May Allah accept from all of us."

Service promises to every masjid
Critical issue on a Friday or in RamadanResponse in 1 hour
Donor or treasurer questionWithin 24 hours
New poster kit or replacement codeWithin 3 days
Releases and maintenanceNever on Friday or Ramadan nights

Hands-on onboarding is our moat. A masjid goes from first hello to live QR in about two weeks.

Ramadan runbook
Every day in Ramadan

Morning check of every masjid's numbers · One message after Maghrib, only to opted-in donors · Live support during taraweeh hours

Every Friday

Codes and posters checked by volunteers · Treasurer report by Saturday morning · One field report to keep proof flowing

After Eid

Pilot review against the scorecard · Interviews with treasurers and donors · Go decision for Phase 2 and the app

3–5
pilot masjids across communities
150
recurring givers by Eid al-Fitr
99%
of receipts sent within a minute
0
releases on Fridays or Ramadan nights

Ramadan and Eid dates are Umm al-Qura estimates and depend on moon sighting. Each masjid confirms its own dates.

Who runs it & risks

Product and technology · NezT Digital

Design, build and run the web, apps, portals, automations and payments integration.

Masjid success and support · US team

Masjid relationships, onboarding, posters, volunteer training, donor support, content, comment moderation.

Shariah board · independent

Zakat policy, board amounts, fund approvals, religious wording. Directed by no partner.

Counsel and CPA · US

Entity, state registrations, receipt wording, sanctions process, privacy terms.

Community ambassadors

Imams, leaders and youth volunteers with tracked links, a code of conduct and clear disclosure.

RiskLevelHow we prevent it
A fraudulent campaignHighVerified organizations only at launch, payout holds for new groups, fast freeze, public reporting.
Abusive commentsMediumAutomatic filter, flagged comments blurred until reviewed, Hide and Remove for admins, reasons logged.
Payment de-riskingMediumStrong compliance files, Stripe use case confirmed early, a backup processor ready.
Scholars disagreeMediumPublished policy, honest "scholars differ" labels, majority rulings with reasons.
Masjids are slow to joinMediumWarm introductions, free setup, a four-week trial on the general fund only.
Competitors respondLowMasjid-first niche, local service, transparent fees, features others do not combine.
State rules varyMediumCounsel's opinion before each state. California only after its platform review.
Peak night outageMediumLoad tests before Fridays and the last ten nights. No releases on peak nights.
Seen as one factionMediumPilot masjids across communities, political neutrality written into every agreement.
Why this will work

The money exists. The habit exists. The trust gap is the only thing missing.

Six reasons
1

A real gap

Masjids receive about a quarter of Muslim faith giving, against half for churches.

2

Habits already formed

65.6 million Apple Pay users and 99.5 million QR scanners in the US.

3

Proven mechanics

Recurring giving carries 42% of digital church giving. Ramadan doubles the year.

4

An empty corner

No competitor joins daily masjid giving with every Islamic giving rule and visible trust.

5

A clear promise

0% to masjids, nothing from Zakat, money straight to the masjid, quiet by default, every gift kept for life.

6

Tested before built

A two-week field sprint with go or stop rules, then a narrow pilot.

Alhamdulillah. The roof is finished.212 neighbors gave $40,000, Amina's $20 among them. This time it arrived, and she can find it in her history for the rest of her life.
The next 30 days
Week 1

Sign the mutual NDA

Engage US counsel and a CPA, start the field sprint.

Week 2

Poster test at one masjid

Treasurer interviews, shortlist scholars.

Week 3

Entity and Stripe application

Name and trademark search.

Week 4

3 to 5 letters of intent

Board named, go or May decision.

Seven decisions together
DecisionOptionsOur recommendation
Key terms & sources
Key terms, in plain words

Nisab. The minimum wealth before Zakat is due, based on gold or silver, valued daily in dollars. Hawl. One full lunar year of holding wealth above the nisab. Charity of record. The legal charity that receives the money and issues the receipt, here each masjid. Direct charge. A Stripe payment created on the masjid's own account, so the masjid is the merchant. Jumu'ah Givers. Donors who give automatically after each Friday prayer. Field report. A short, dated update with photos showing what a fund achieved.

Sources

Pew Research Center; ISPU US Mosque Survey 2020; Lilly Family School of Philanthropy, Muslim American Giving 2021 and Zakat Giving 2022; Good Faith Media; AAPIP; ISPU Michigan; NCHStats; Statista and eMarketer; PYMNTS; Nucleus 2026; Ministry Brands 2025–26; LaunchGood; G2 and PayIt2; Givebutter; GetApp; Goodbricks; MadinaApps; Masjidbox; Masjidal; The Masjid App; Feeling Blessed; CharityWatch; Airship 2026; Batch via MobiLoud; IRS Pub. 1771; Michigan AG and CTS-03; California AG; Stripe; OFAC; MCL 445.72; Apple Guidelines; and our two earlier research rounds (November 2026). Modeled figures are labeled as our model. Legal and religious points are confirmed by US counsel and the Shariah board before launch.

ربنا تقبل منا إنك أنت السميع العليم
Our Lord, accept this from us. You are the All-Hearing, the All-Knowing. (Quran 2:127)
Prepared by NezT Digital · November 2026
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