Zapfir
Takaful Education Protection
Takaful is mutual protection — participants pool contributions into a shared fund. Claims are paid collectively, and surplus is returned to you, never retained by the platform.
Zapfir brings this on-chain through HAQQ Network. Every contribution, every claim, every distribution — verifiable, immutable, and fully transparent from day one.
TRANSPARENT
On-chain ledger
24/7
On-Chain Access
Every transaction recorded on-chain. Audit anytime, verify anywhere — transparency you can see.
ETHICAL
Sharia-compliant
100%
Sharia-Compliant
No riba, no gharar, no maysir. Every policy certified by an independent Sharia board.
YOURS
Surplus returned
0%
Kept by Us
Surplus goes back to you, not shareholders. Your fund, your community.
How it works
Four steps to
mutual protection
From wallet connection to surplus distribution — everything on-chain, everything transparent.
01.Connect
Link your HAQQ wallet. No paperwork, no branches — just connect and go.
02.Protect
Choose coverage, set duration, fund your plan. Every transaction recorded on-chain.
03.Claim
Submit evidence through smart contracts. Verified by the Sharia board, no runaround.
04.Share
Surplus returned to the community at end of each period. Your fund, your reward.
Connect your wallet
Link your HAQQ wallet to access mutual protection for your family
Choose wallet
Pool Balance
1,247.50
ISLM
2
Plans
72M
Coverage
312K
Surplus
IDR 312,000 surplus
+3.2%New Protection Plan
Monthly cost
Duration
12 MonthsPayment
MonthlyCoverage
IDR 48,000,000
Premium
850K/mo
Duration
12 mo
Total
10.2M
Until
Apr 27
File a Claim
Plan
ZAP-2026-001
Amount
IDR 12,000,000
Evidence
QmX7d...9fE3
IDR 12,000,000
Under review by Sharia Board
Your Share
IDR 312,000
+3.2% return
Q1 2026
156,000
Q4 2025
156,000
0% retained by platform
Testimonials
Trusted by families across Indonesia
Parents, educators, and Sharia advisors on why they chose Zapfir for their children's education protection.
500+
Families
0%
Kept by us
24/7
Auditable
“Zapfir gave us peace of mind about our daughter's education. Seeing every transaction on-chain — that's what traditional insurance never offered.”
Aisha Rahman
Parent · Jakarta
“The surplus returned to our community pool last quarter. No conventional insurer has ever done that for us.”
Farhan Hidayat
Parent · Bandung
“Filing a claim was straightforward — evidence uploaded to IPFS, processed by the smart contract. No middlemen, no delays.”
Nadia Putri
Parent · Surabaya
“Zapfir gave us peace of mind about our daughter's education. Seeing every transaction on-chain — that's what traditional insurance never offered.”
Aisha Rahman
Parent · Jakarta
“The surplus returned to our community pool last quarter. No conventional insurer has ever done that for us.”
Farhan Hidayat
Parent · Bandung
“Filing a claim was straightforward — evidence uploaded to IPFS, processed by the smart contract. No middlemen, no delays.”
Nadia Putri
Parent · Surabaya
“As a Sharia advisor, I've reviewed many Takaful products. Zapfir's on-chain transparency sets a new standard for the industry.”
Dr. Ahmad Fauzi
Sharia Advisor
“We enrolled three children in one plan. The dashboard shows exactly where every rupiah goes — no hidden fees.”
Siti Nurhaliza
Parent · Yogyakarta
“The HAQQ Network integration means our contributions are truly Sharia-compliant — no riba at any layer of the stack.”
Rizky Pratama
Islamic Finance Lecturer
“As a Sharia advisor, I've reviewed many Takaful products. Zapfir's on-chain transparency sets a new standard for the industry.”
Dr. Ahmad Fauzi
Sharia Advisor
“We enrolled three children in one plan. The dashboard shows exactly where every rupiah goes — no hidden fees.”
Siti Nurhaliza
Parent · Yogyakarta
“The HAQQ Network integration means our contributions are truly Sharia-compliant — no riba at any layer of the stack.”
Rizky Pratama
Islamic Finance Lecturer
“My wife and I compared five Takaful providers. Zapfir was the only one where we could verify the pool balance ourselves.”
Budi Santoso
Parent · Medan
“The 0% platform retention is real — I checked the smart contract. Every surplus distribution is auditable on-chain.”
Dewi Anggraini
Blockchain Developer
“Our school recommended Zapfir to parents. The transparency report they generate each month builds genuine trust.”
Hendra Wijaya
School Admin · Bali
“My wife and I compared five Takaful providers. Zapfir was the only one where we could verify the pool balance ourselves.”
Budi Santoso
Parent · Medan
“The 0% platform retention is real — I checked the smart contract. Every surplus distribution is auditable on-chain.”
Dewi Anggraini
Blockchain Developer
“Our school recommended Zapfir to parents. The transparency report they generate each month builds genuine trust.”
Hendra Wijaya
School Admin · Bali
Protect their future.
Start today.
Ethical, transparent Takaful coverage for your children's education.
