Building the digital wallet for the sacred journey.
A proposal for a Road2Haramain-branded e-money ecosystem powered by the MobilityOne / MiPAY platform. Built for pilgrims, travel partners and the wider service economy.
Built on the MiPAY foundation.
Road2Haramain is a white-label proposition layered on a regulated, BNM-licensed e-money platform. We do not recreate payment infrastructure from zero — we reskin and orchestrate on top of an already-operating one.
BNM-Licensed e-Money
MobilityOne operates the e-money layer with Bank Negara Malaysia licensing and the regulatory controls that come with it.
Prepaid Mastercard
Optional open-loop card programme subject to commercial scope, programme approval and card production readiness.
QR & DuitNow Payments
Merchant payment acceptance including DuitNow QR where supported by the platform and merchant environment.
Wallet Management
Balance, transaction history, account controls and user servicing inside a branded mobile experience.
Funds Movement
P2P, cash-out and remittance capabilities where enabled by the underlying platform and regulatory scope.
White-Label Reskin
Partner branding, app identity, splash screen and UI treatment under the Road2Haramain brand.
From a pilgrim mini-app to a branded wallet ecosystem.
The current Road2Haramain already provides the pilgrim-facing service layer. The proposed model gives it a stronger branded front door — while retaining MiPAY as the regulated payment backbone.
Brand ownership
A dedicated Road2Haramain-branded wallet and app experience — instead of relying only on a host mini-app.
Integrated payments
Travel bookings, merchant payments and partner services connect to one approved payment layer.
Service orchestration
R2H owns the user-facing journey while specialist providers retain ownership of their services and fulfilment.
Scalable ecosystem
New travel, health, faith-tech, education and other partner services can be added progressively.
"Road2Haramain becomes the branded pilgrim wallet and service ecosystem. MobilityOne / MiPAY remains the payment infrastructure and regulatory layer."
What the white-label solution delivers.
A branded digital wallet combining payment capability with the existing Road2Haramain pilgrimage service journey. Six core capabilities, each owned and operated by the right party.
R2H-Branded Mobile App
Logo, visual identity, app listing and user-facing experience under the Road2Haramain brand.
MiPAY Wallet Account
eKYC, wallet creation, balance, transaction history and payment services powered by MiPAY.
Pilgrimage Service Layer
Umrah and Hajj package discovery, agency selection, booking, status and approved partner-service journeys.
Merchant Payments
QR and merchant payment acceptance where supported by the MiPAY ecosystem and scheme scope.
Optional Prepaid Mastercard
Road2Haramain-branded card programme subject to approvals, commercial model and programme setup.
Partner Service Integration
Deep link, referral, API or SDK integration based on each partner's confirmed interface.
The end-to-end operating process.
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.
Onboarding
User registers, completes required eKYC and activates the Road2Haramain wallet through the MiPAY platform.
Discover & book
User browses Hajj and Umrah packages or partner services inside the R2H experience.
Pay
Payment is initiated through the MiPAY wallet or other approved payment rails.
Process & settle
MobilityOne processes the transaction and settlement follows the agreed merchant and partner model.
Track & support
R2H surfaces booking and service status and routes customer support appropriately.
Monitor & report
Transaction, service and operational reporting is available to authorised stakeholders.
A clear layered architecture.
Management-level view of the white-label architecture. Exact interfaces should be validated with MobilityOne / MiPAY and each service provider during scoping.
Who the ecosystem is designed to serve.
The solution connects pilgrims, travel operators and service merchants through one branded digital journey. Primary initial focus: Malaysian Hajj and Umrah users and participating travel / service partners.
Hajj & Umrah Pilgrims
Individuals seeking travel booking, payment, journey support and additional digital services — the core initial user base.
Travel Agencies / Operators
Licensed travel partners supplying packages, inventory, booking fulfilment and pilgrim support.
Pilgrim-Service Merchants
Transport, accommodation, retail, health, education and other approved service providers.
Strategic Ecosystem Partners
Technology, faith-tech, education and other partners integrated through the R2H ecosystem.
Clear ownership across platform, experience and delivery.
A white-label programme works only when operational and regulatory responsibility is explicit. Each party owns a defined scope and an agreed set of obligations.
MobilityOne / MiPAY
Payment infrastructure & platform operations
- ●Operate the e-money and payment infrastructure
- ●Wallet and optional card programme operations
- ●Transaction processing and settlement
- ●Security, AML/CFT, fraud and platform controls
- ●Regulatory and audit support within agreed scope
- ●Technical platform support
Road2Haramain / M1 Merchant
Brand, user journey & partner orchestration
- ●Own the Road2Haramain brand and user journey
- ●Define product and service catalogue
- ●Manage travel and service-partner relationships
- ●Manage customer-facing content and business rules
- ●Coordinate booking and service support
- ●Own commercial proposition and programme outcomes
Travel & Service Partners
Specialist delivery and fulfilment
- ●Provide products, services and fulfilment
- ●Maintain inventory, pricing and service information
- ●Meet onboarding and compliance requirements
- ●Provide specialist support and warranty where relevant
- ●Share agreed status and reporting data
- ●Follow settlement and service-level arrangements
Controls required before launch.
The white-label proposition places significant emphasis on regulatory readiness, security and formal sign-off. Exact requirements depend on the final model and approvals.
eKYC & Identity
Customer onboarding and identity verification aligned with the approved wallet model.
AML/CFT & Fraud
Transaction monitoring, sanctions and risk controls, and fraud handling under the platform framework.
Data & Cybersecurity
Secure hosting, access controls, privacy handling, logging and security testing / VAPT where required.
Regulatory Submission
BNM, scheme and programme submissions and approvals where applicable to the selected model.
UAT & Acceptance
Defined UAT scope, issue handling and formal sign-off before production deployment.
Operational Support
Clear support ownership, incident escalation, settlement and reporting responsibilities.
Proposed implementation path.
From scope confirmation to production go-live, in six phases. Indicative timeline: ~3 months for the mobile app implementation, with an additional 1–2 months for prepaid Mastercard implementation where included.
Scope & requirements
Confirm white-label model, service scope, app identity and ownership.
UI/UX & architecture
Approve reskin, R2H journey and technical integration design.
Build & integration
Configure and develop the app, wallet journeys and service connections.
UAT sign-off
Obtain MiPAY UAT access, test end-to-end flows and close critical issues.
Regulatory readiness
Complete required BNM, VAPT and programme approvals where applicable.
Production go-live
Deploy, monitor and enter warranty and post-go-live support.
Ready to scope your integration?
Talk to the MobilityOne team about partnering on the Road2Haramain white-label e-money proposition, or explore the platform further on your own.