Discussion Draft · September 2026

Your journey to the Haramain, digitally connected.

Road2Haramain brings together the existing pilgrim journey with a MiPAY-powered e-money wallet and a curated ecosystem of partner services across travel, accommodation, health, learning and protection.

MiPAY-regulated e-money
AML and CFT controlled
8 partner services
R2H WALLET
•••• •••• •••• 4081
Cardholder
Aishah Ridhuan
Balance
RM 1,240.00
Umrah Package
Confirmed · MK-2401
15 Dec 2026 · 9 nights
Payment Sent
RM 4,200.00
to Cruise Travels
0
Partner services
0
Journey stages
0
App build target
0
BNM-aligned
StemSel regenerative care consultation
StemSel
Ecosystem Partner
Ecosystem Spotlight

From booking to wellbeing — one connected journey.

Road2Haramain is more than a wallet. The ecosystem connects pilgrims with specialist services like StemSel — a structured stem cell therapy programme delivered through the SELCARE clinic network across Selangor.

  • Clinically structured assessment, treatment and follow-up
  • NPRA-approved GMP facility, Malaysia first tissue engineering firm
  • Discoverable inside the Road2Haramain app, with provider-managed fulfilment
View StemSel details
Operational Model

From onboarding to go-live, in six stages.

R2H owns the pilgrim-facing journey. MiPAY owns the regulated wallet and payment layer. Each partner keeps ownership of its specialist service and operational responsibilities.

01

Onboarding

User registers, completes required eKYC and activates the Road2Haramain wallet through the MiPAY platform.

02

Discover and book

User browses Hajj and Umrah packages and partner services inside the R2H experience.

03

Pay

Payment is initiated through the MiPAY wallet or other approved payment rails.

04

Process and settle

MobilityOne processes the transaction and settlement follows the agreed merchant and partner model.

05

Track and support

R2H surfaces booking and service status and routes customer support appropriately.

06

Monitor and report

Transaction, service and operational reporting is available to authorised stakeholders.

Pilgrims and Partners

Voices from the journey.

Early reactions from pilgrims, partners and operators who have shaped the Road2Haramain proposition.

“The Road2Haramain journey was simpler than I expected. I picked my package, paid through the wallet and could see every step from booking to confirmation in one place. It made the spiritual focus easier.”

A
Aishah Ridhuan
Umrah pilgrim, Kuala Lumpur

“As a partner agency, the R2H ecosystem lets us plug our packages into a wallet experience pilgrims already trust. The integration model is clear and our fulfilment stays in our hands.”

H
Hafiz Rahman
Travel agency partner

“Running travel, accommodation, health and insurance services through one branded wallet is exactly the orchestration the pilgrim market needs. Road2Haramain lets each partner keep their speciality while sharing one journey.”

D
Daniel Wong
Operations lead, M1 Merchant

“I was nervous about payment security for my first Hajj booking. The wallet-based flow with clear status updates gave my family the confidence to plan around a single trusted view.”

N
Nurul Izzati
Hajj pilgrim, Selangor
Frequently Asked

Questions, answered.

A quick overview of the most common questions about the Road2Haramain white-label ecosystem.

What is Road2Haramain?
Road2Haramain is a proposed branded digital wallet and pilgrimage service ecosystem. It brings together the existing Road2Haramain pilgrim journey with a MiPAY-powered e-money layer and a curated set of partner services spanning accommodation, travel, health, learning and protection.
How does onboarding and eKYC work?
Every new user registers through the Road2Haramain app, completes the required electronic Know Your Customer checks, and activates the wallet. Identity verification, sanctions screening and risk controls are aligned with the approved wallet model operated under MiPAY.
Is my money and personal data secure?
Yes. The wallet is operated under the MobilityOne e-money framework, which includes AML and CFT controls, transaction monitoring, secure hosting, access controls, privacy handling and security testing. Road2Haramain itself only handles the user-facing brand experience and partner orchestration.
How do I pay for services inside the app?
Approved services inside Road2Haramain can be paid through the MiPAY wallet layer, including QR payments and DuitNow where supported. Funds movement such as P2P, cash-out and remittance is available where enabled by the underlying platform and regulatory scope.
What partner services can I access from the wallet?
The ecosystem includes eight service partners: Makkah Residences, StemSel, Cruise Travels, Dalil Al-Maalem Hotels, Mzar, Moddakir, VSure Tech and M1 Health Tech. Each partner is integrated through referral, deep link, API or SDK depending on the confirmed scope.
Who regulates the wallet and payment features?
eMoney issuance and payment infrastructure sit with MobilityOne and MiPAY. Road2Haramain and M1 Merchant Sdn Bhd own the brand, user journey, partner relationships and business rules. Final scope and approvals follow the BNM and scheme programme requirements.
Coming after regulatory sign-off

Your wallet for the sacred journey.

Road2Haramain is currently a discussion draft. Subscribe to partner updates or contact the MobilityOne team to scope your integration.