Platform & Wallet

What it is

Every Moria product stands on one foundation: a member with a wallet. The wallet holds a single main balance, and every product — savings, financing, investment, protection, charity — is funded from that balance and pays back into it. Understand this page and the rest of the catalog reads quickly.

Shariah basis

The wallet itself holds funds under Wadiah (safe-keeping) — Moria safeguards a member’s money without paying or charging interest. Nothing on the platform earns riba; each product layers its own contract on top of the wallet.

Who it is for

• Members — any end-user of your organization who needs a place to hold money and use financial products.
• Your organization — you onboard members, choose which products they see, and manage them through an admin console.

Key capabilities

• One main balance per member — the single source of spendable funds.
• Money in — top up the balance from a bank transfer, QRIS, or a virtual account.
• Money moves — funds flow into products and back, all against the same balance.
• Money out — withdraw to a bank account, guarded by a transaction PIN.
• Full history — every movement is recorded as a bank-grade statement the member can review.

The money landscape

Money enters at one edge, moves through products, and leaves at the other. The main balance is always the hub.

flowchart LR
    MEMBER([Member])

    subgraph EXT[" External "]
        direction TB
        IN[/"Top-up<br/>bank · QRIS · VA"/]
        OUT[/"Withdrawal<br/>to bank account"/]
    end

    subgraph WALLET[" Moria wallet "]
        direction TB
        MAIN[("Main balance")]
        SAVE[["Savings"]]
        FIN[["Financing"]]
        INV[["Investment"]]
        PROT[["Protection"]]
        GIVE[["Charity"]]
    end

    IN -->|credit| MAIN
    MAIN -->|fund| SAVE
    MAIN -->|fund| INV
    MAIN -->|contribution| PROT
    MAIN -->|donation| GIVE
    FIN -->|installment| MAIN
    SAVE -->|withdraw / mature| MAIN
    INV -->|mature| MAIN
    MAIN -->|withdrawal| OUT

    MEMBER -.->|owns & operates| MAIN

    classDef money fill:#FDF8E8,stroke:#3C2C96,stroke-width:2px,color:#1E1B4B;
    classDef edge fill:#FFF3D0,stroke:#F4BE27,stroke-width:1.5px,color:#8B5A00;
    classDef product fill:#E8E1FF,stroke:#3C2C96,stroke-width:1.5px,color:#1E1B4B;
    classDef actor fill:#FFFFFF,stroke:#3C2C96,stroke-width:1.5px,color:#1E1B4B;
    class MAIN money;
    class IN,OUT edge;
    class SAVE,FIN,INV,PROT,GIVE product;
    class MEMBER actor;

Security — how money-out is protected

Reading data is open to the member. Moving money out is guarded. A member sets a 6-digit transaction PIN; every money-out action asks for it, and a valid PIN issues a short-lived, single-use token that authorizes just that one action. Logins can additionally require two-factor authentication.

flowchart TD
    A([Member starts a money-out action]) --> B{Transaction PIN set?}
    B -->|No| C[Prompt to create a PIN first]
    C --> D
    B -->|Yes| D[Enter 6-digit PIN]
    D --> E{PIN correct?}
    E -->|No| F[Rejected]
    E -->|Yes| G[Issue single-use step-up token]
    G --> H([Money-out executes])

    classDef step fill:#E8E1FF,stroke:#3C2C96,stroke-width:1.5px,color:#1E1B4B;
    classDef gate fill:#FFF3D0,stroke:#F4BE27,stroke-width:1.5px,color:#8B5A00;
    classDef done fill:#FDF8E8,stroke:#3C2C96,stroke-width:2px,color:#1E1B4B;
    class A,C,D,F,G step;
    class B,E gate;
    class H done;

Personal data (names, contacts, identity documents) is encrypted at rest. Sensitive fields are never returned in the clear.

Multi-organization

One Moria platform can host many organizations at once. Each organization has its own members and its own data, isolated from the others. A person can belong to more than one organization and switch between them; balances and products are scoped to the organization they are acting in. For a white-label partner this means your members and their money live in your own space on the platform.

What you can configure

• Product mix — enable only the products you want your members to see.
• Branding — logo, colors, domain, and app-store presence (white-label).
• Language — Indonesian, English, or Arabic for member-facing text.
• Fees — pricing is configured per partner.

See Configurability & White-label for the full matrix.

Limits

• The wallet does not pay interest on the stored balance.
• Funds must exist in the main balance before a product can be funded — products do not pull from external banks directly.
• Money-out always resolves back through the main balance before leaving the platform.

Related

• Wallet & Payments — the top-up, transfer, withdrawal, QRIS, and bill-payment operations in detail.
• Onboarding & KYC — how a member gets a wallet in the first place.