Products
Every Moria product sits on top of one main balance per account. Money flows IN via top-up (payment gateway) and OUT via withdrawal (disbursement to bank). Between those two edges, each product is a holding funded from the main balance — and in most cases returns to the main balance when the product completes.
The landscape
Section titled “The landscape”flowchart LR
TOPUP[/"Top-up IN<br/>payment gateway"/]
MAIN[("Main balance<br/>(per account)")]
WITHDRAW[/"Withdrawal OUT<br/>disbursement to bank"/]
SG[["Saving Goals"]]
SC[["Saving Circles"]]
CC[["Charitable Cause"]]
CF[["Commodity Financing"]]
INV[["Investments"]]
TKF[["Takaful"]]
TOPUP --> MAIN
MAIN -->|monthly auto-debit| SG
MAIN -->|per-turn contribution| SC
MAIN -->|donation| CC
MAIN -->|funding| INV
MAIN -->|contribution| TKF
CF -->|installment debit| MAIN
SG -->|withdrawal| MAIN
SC -->|payout to turn-holder| MAIN
INV -->|withdrawal at maturity| MAIN
TKF -->|claim payout| MAIN
MAIN --> WITHDRAW
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;
class MAIN money;
class TOPUP,WITHDRAW edge;
class SG,SC,CC,CF,INV,TKF product;
Reading these docs
Section titled “Reading these docs”Each product page below pairs a lifecycle / state diagram (what states the product moves through) with a sequence diagram (how the API calls actually flow over time). For full per-endpoint reference (request / response / error shapes), see the API section.
Conventions
Section titled “Conventions”| Property | Value |
|---|---|
| Audience | Partner backend & product engineers |
| Base URL | /v1 · JSON over HTTPS |
| Auth | Bearer JWT · role + permission check per endpoint |
| Currency | IDR · amounts as integer-string (smallest unit) |
| Products covered | Onboarding · Top-up · Saving Goals · Saving Circles · Charitable Cause · Commodity Financing · Investments · Takaful · Withdrawal |
| Focus | Flow charts and sequence diagrams — not API reference |
| Product | Coverage |
|---|---|
| User Onboarding | Self-registration & invite flow, OTP, JWT issuance |
| Top-up | Payment-order lifecycle, async callback, credit to main balance |
| Saving Goals | Scheduled savings with targets, monthly auto-debit |
| Saving Circles | Rotating savings (arisan), per-turn contribution & payout |
| Charitable Cause | Campaign donations (wakaf, sedekah) |
| Commodity Financing | Murabahah commodity financing, installment debit |
| Investments | Sukuk & mutual funds, maturity & withdrawal |
| Takaful | Sharia insurance, contribution & claim payout |
| Withdrawal | Cross-product withdrawal to bank account |