| FEATURE | BARAKA | Umrati | Bekal Haji | Nusuk | VERTEX |
|---|---|---|---|---|---|
| Multi-group hierarchy | ✓ | ✗ | ✗ | ✗ | ✗ |
| Delta-neutral automation | ✓ | ✗ | ✗ | ✗ | ✗ |
| Cross-exchange rate comparison | ✓ | ✗ | ✗ | ✗ | ◐ |
| Lending vault (spot borrow) | ✓ | ✗ | ✗ | ✗ | ✗ |
| Ritual Companion + doa | ✓ | ✗ | ✗ | ✗ | ✗ |
| Non-custodial agent wallets | ✓ | ✗ | ✗ | ✗ | ✗ |
| No token required | ✓ | ✗ | ◐ | ✓ | ✗ |
| Builder fee revenue model | ✓ | ✗ | ✗ | — | ✗ |
| Umrah native | ✓ | ✗ | ✗ | ✓ | ✗ |
| STREAM | MECHANISM | TRIGGER | STATUS |
|---|---|---|---|
| Builder Fees | 5bps groups / 50bps spot | Every filled order | LIVE |
| Pro Subscription | $10 USDC/month on-chain | DN + automation unlock | LIVE |
| Vault Spread | Interest margin on borrows | TVL × utilization | SOON |
| HL Referral | 10% of HL fees (Layer 1) | New pilgrim via Baraka | LIVE |
| TIER | REFERRER VOL | BUILDER FEE CUT | EARN / groups TRADE |
|---|---|---|---|
| GOLD | $500K | 50% | 0.025% |
| SILVER | $100K ($10K Pro) | 40% | 0.020% |
| BASE | $10K | 30% | 0.015% |
| TIMELINE | JURISDICTION | ACTION |
|---|---|---|
| Q2 2026 | Indonesia MVP launch | Operating under CFTC non-custodial DEX precedent |
| Q3 2026 | Ritual Companion + audio | Agency dashboard v2 |
| Q4 2026 | Voice + compliance reports | Government partnership pitch |
| Q1 2027 | Malaysia launch | MAS licensing review if lending vault AUM > $10M |
| Q2 2027 | Global | Proactive engagement where >1,000 users originate |
| ALLOCATION | % | PURPOSE |
|---|---|---|
| Engineering | 40% | Umrah vault, signal panel, referral system, onboarding |
| Growth | 30% | KOL partnerships, content, community building |
| Infrastructure | 20% | ClickHouse cluster, geo-distributed API |
| Legal | 10% | Jurisdictional opinions, MiCA, Latham retainer |