R2H
Road2Haramain
Pilgrim Wallet
Operational Model · Discussion Draft

From onboarding to go-live, in six stages.

Road2Haramain owns the pilgrim-facing journey. MiPAY owns the regulated wallet and payment layer. Each partner keeps ownership of its specialist service and operational responsibilities.

eKYC onboarding
MiPAY wallet payments
BNM-aligned controls
8 partner services
01 · Operational Model

Six stages, one orchestrated journey.

The proposed end-to-end operating process for Road2Haramain — from user onboarding through payment, settlement and reporting.

STAGE 01

Onboarding

User registers, completes required eKYC and activates the Road2Haramain wallet through the MiPAY platform. Identity verification, sanctions screening and risk controls are aligned with the approved wallet model operated under the MiPAY framework.

STAGE 02

Discover & book

User browses Hajj and Umrah packages and partner services inside the R2H experience. R2H orchestrates the user-facing journey while specialist providers retain ownership of their services and fulfilment.

STAGE 03

Pay

Payment is initiated through the MiPAY wallet or other approved payment rails. QR payments and DuitNow are available where supported by the platform and merchant environment.

STAGE 04

Process & settle

MobilityOne processes the transaction and settlement follows the agreed merchant and partner model. AML/CFT monitoring, sanctions screening and security controls continue to run in the background.

STAGE 05

Track & support

Road2Haramain surfaces booking and service status, and routes customer support appropriately across the R2H team, the platform team, and the specialist partner.

STAGE 06

Monitor & report

Transaction, service and operational reporting is available to authorised stakeholders. Regulatory, scheme and partner-level reporting follows the agreed data and audit model.

02 · Architecture

A clear layered architecture.

Management-level architecture only. Exact interfaces should be validated with MobilityOne / MiPAY and each service provider during scoping.

Layer 1 · Pilgrim-facing
Road2Haramain App
Branded user experience · Pilgrim identity and service access
Layer 2 · Regulated
MiPAY e-Money Layer
Wallet · QR · payment · Card and transfer where enabled
Layer 3 · Orchestration
R2H Service Hub
Travel booking · status · Partner-service orchestration
Layer 4 · Specialists
Service Providers
Travel agencies · merchants · M² · Moddakir · future partners
Key Principle

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.

03 · Implementation

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.

Timeline note: Indicative only and remains subject to scope, dependencies and regulatory approval. Prepaid Mastercard scope is additional and conditional on programme readiness.
04 · Commercial

Commercial items to confirm.

A summary of the cost components currently being scoped for the Road2Haramain white-label programme. Final pricing depends on the agreed scope.

Cost Component R2H Proposal Treatment
Mobile app reskin One-time implementation + recurring platform and maintenance fee
Prepaid Mastercard Programme setup, artwork and approval, platform and card-production fees (where included)
User onboarding eKYC and OTP usage charges
Customisation Additional development based on confirmed scope and man-days
Transaction and scheme fees Mastercard, dispute, chargeback and other back-to-back fees where applicable
Payment milestones Kick-off, then UI/UX, UAT, regulatory readiness, go-live and warranty
Pricing · To be confirmed
05 · FAQ

Questions, answered.

A more complete view of the most common questions about the Road2Haramain white-label e-money 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.
What does it cost to use Road2Haramain?
Pricing is being confirmed as part of the white-label scope. Typical cost components include one-time implementation and recurring platform maintenance, optional prepaid Mastercard programme fees, eKYC and OTP usage, customisation work and standard transaction or scheme fees.
How do I get started?
Once the Road2Haramain app is live, you can download it from the official app stores, register with your mobile number, complete eKYC, fund your wallet and start exploring partner services. Until then, partner brands can express interest through the partner enquiry form on the Contact page.
Still have questions? Talk to the team
Scoping under discussion

Have questions about the operating model?

Talk to the MobilityOne team to walk through the operational model, architecture, timeline and commercial items in more detail.

Talk to the team Read about R2H