Koha Digital

What Koha Digital does

Koha Digital is a Malaysian wealthtech platform that operates a digital legacy and estate planning service for individual consumers. Founded in June 2021 by Peter Cheong and Melvin Lim and headquartered in Petaling Jaya, the company serves Malaysian adults seeking to create legally binding wills, organize family financial and legal information, and prepare end-of-life documentation. The company addresses an explicitly quantified Malaysian estate planning gap — citing that approximately 85% of Malaysians lack legacy planning and RM 70-90 billion in assets remain unclaimed across the country. Datuk Wira Mohd Hafarizam Harun serves as Chairman and Director, with Cheng Pei Ling as COO.

The platform comprises four core products: Conventional Will for non-Muslim users, Islamic Will (Wasiat) for Muslim users (delivered through a separate wholly-owned subsidiary, Koha Islamic Digital Sdn Bhd), Digital Vault for document creation, storage and sharing, and Legacy Planner for organizing financial and legal information. The technology is described as a blockchain-enabled web application delivered at app.koha.digital, with an additional Advisor Portal at legacyplanner.koha.digital for partner access. Users complete guided plain-language questionnaires to produce a personalized will in approximately ten minutes, with documents accessible for editing as life circumstances change.

Koha monetizes through two primary streams: one-time fees for will writing and document generation, plus recurring subscriptions for Digital Vault storage. Pricing is not publicly disclosed but is positioned as affordable relative to traditional legal services. Distribution combines direct-to-consumer self-service (web application and educational content marketing), enterprise partnerships with Malaysian law firms acting as panel legal firms, and referral channels through NGOs, cooperatives and corporate partners. The company has committed to a RM 100 million pledge supporting NGO partners including FOFM, MyPOPI, Shelter, MBCS, and the Malaysian Association for the Blind. As of available disclosures Koha operates with 1-10 employees and has not announced institutional funding rounds.

Name

Koha Digital

Legal name

Koha Digital Holding Sdn Bhd

Website

https://koha.digital

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Koha Digital is a Malaysian digital legacy planning platform offering blockchain-based will writing for conventional and Islamic estates, digital vault document storage, and partner advisor tooling, serving Malaysian consumers through a self-serve web application and law firm partnerships.

Ownership category

akta.pro rank

Product category

Estate Planning Software

NAICS

Software Publishers (5132), Trusts, Estates, and Agency Accounts (52592)

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

Recovery & Inheritance Solutions (social recovery services, dead-man switches, key escrow) (FSAPACAK)

akta.pro secondary industries

Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters) (FSAPACAB), AML/KYC, KYB & Identity Verification (VASP/Travel Rule) (FSAPAJAC)

Keywords

• Estate planning platform
• Digital will writing
• Legacy planning software
• Islamic estate planning
• Wealth distribution documents

Headquarters

HQ city

Petaling Jaya

HQ country

Malaysia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Will Writing Services: Online platform generating revenue through will creation and document generation fees. Users pay to download their completed Last Will and Testament.
2. Digital Vault Subscription: Ongoing access to digital vault services including document storage, updates, and management features.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Koha Digital operates a blockchain-enabled digital legacy planning platform that enables Malaysian consumers to create legally binding wills in approximately 10 minutes through a guided online application. The platform offers conventional wills and Shariah-compliant Islamic Wasiat solutions, a Digital Vault for secure document storage and sharing, and a Legacy Planner for organizing financial and legal information, all delivered through a web-based self-serve application and a partner-facing Advisor Portal.

Product overview

Koha Digital is a Malaysian fintech platform offering a unified digital legacy planning ecosystem with four core products: Conventional Will for non-Muslims, Islamic Will (Wasiat) for Muslims, Digital Vault for document storage, and Legacy Planner for comprehensive estate organization. The platform operates through a web-based Online Will Writing Application accessible at app.koha.digital, with an additional Advisor Portal for partner management. Koha Islamic Digital operates as a dedicated sub-brand for Shariah-compliant solutions. Users can create personalized wills in approximately 10 minutes, store important documents digitally, and access guidance resources for end-of-life planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Will Digital will writing platform for non-Muslims in Malaysia that enables users to create legally binding wills online in approximately 10 minutes, with document generation and storage capabilities.
• Islamic Will (Wasiat) Shariah-compliant digital estate planning platform for Muslim users, providing Islamic will writing that adheres to Faraid distribution principles and Islamic succession law.
• Digital Vault Secure digital storage solution for creating, storing, and sharing legally binding documents and important information throughout the user's lifetime, with access to knowledge resources, funeral planning tools, and legacy messaging capabilities.
• Legacy Planner Comprehensive planning tool that helps users inventory financial and asset holdings, create personalized checklists, and organize family financial and legal information in one location.
• Online Will Writing Application Web-based application that guides users through will creation with plain-language questions, generates PDF documents, and allows saving and editing progress across sessions.
• Advisor Portal Partner-facing portal for Legacy Planners and legal professionals to manage client relationships and assist with estate planning processes.

Quantifiable outcome

• 85% of Malaysians without legacy planning
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Mohamed Ridza & Co. Advocates and SolicitorscoreImplementation/ SI/ Consulting Partner · 15 May 2026MOU signed to support development of accessible, technology-enabled legacy planning solutions. MRCo provides legal expertise in corporate advisory, Islamic finance, Shariah advisory, wealth management, fintech, compliance and technology. MRCo is the only Malaysian member of LAWorld international network of law firms.
• Jack, Hajinder Singh & PartnerscoreImplementation/ SI/ Consulting Partner · 14 April 2026Panel law firm providing legal advisory, dispute resolution and regulatory support across estate planning, wealth preservation, asset protection, trusts, cross-border advisory, wills and trusts matters. Firm specializes in AML and regulatory advisory.
• Tan Norizan & AssociatescoreImplementation/ SI/ Consulting Partner · 28 January 2026Strategic partnership with one of the largest law firms in Selangor (ranked No. 13 in Malaysia with 77 lawyers). Supports estate administration, probate, and related legal processes. Firm offers expertise in Banking & Finance, IP, IT, and Dispute Resolution.
• BlueduckminorGTM or Marketing Partner · 16 February 2023Partnership for digital collaboration and platform integration.
• Malaysian Association for the BlindminorGTM or Marketing Partner · 31 October 2022MOU for NGO partnership supporting accessibility and community engagement.
• Pertubuhan Dana MawaddahminorGTM or Marketing Partner · 31 October 2022NGO partnership for charitable giving through legacy planning platform.
• Angkatan Belia Islam Malaysia Negeri PahangminorGTM or Marketing Partner · 31 October 2022Islamic youth organization partnership for awareness and engagement.
• Palladium Trustee BerhadminorImplementation/ SI/ Consulting Partner · 18 July 2022MOU signing for trustee services supporting legacy planning solutions.
• Focus on the Family Malaysia (FOFM)minorGTM or Marketing Partner · 30 June 2022NGO partner for soft launch event. FOFM is non-profit strengthening families since 1997. Koha donated to FOFM as part of RM 100 million charity pledge.
• Persatuan Pesakit Imunodefisiensi Primer Malaysia (MyPOPI)minorGTM or Marketing Partner · 30 June 2022Non-profit caring for patients with Primary Immunodeficiency. Active partnership including blood donation drives and charitable donations. Koha supported World PI Week 2026 Blood Donation Campaign.
• Shelter (Home for Children)minorGTM or Marketing Partner · 30 June 2022NGO sheltering children who suffered abuse, neglect, or abandonment. Partnership for planned giving and legacy donations.
• Malaysian Buddhist Co-operative Society (MBCS)minorGTM or Marketing Partner · 19 November 2021First Co-operative Society to collaborate with Koha for donations. MBCS provides funeral services and eldercare; platform allows users to donate to MBCS while planning estates.
• Send My Love Sdn. Bhd.minorGTM or Marketing Partner · 29 October 2021MOU for mutual promotion through digital platforms. SML provides digital gift-giving service where users can purchase and send gifts; both companies share goal of caring for loved ones.

Scale indicators3 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Cake: Digital end-of-life planning platform combining wills, funeral planning, legacy messaging and family coordination — overlapping closely with Koha's Conventional Will, Digital Vault (legacy messages, funeral resources) and Legacy Planner offerings.
• Trust & Will: US-based online estate planning platform offering digital wills, trusts and related documents through a guided self-serve web app — directly comparable to Koha's Digital Will Writing Application in product mechanics, customer type (D2C individuals) and revenue model (transactional + subscription).
• FreeWill: Online will-writing platform that helps individuals create wills for free or low cost, with a charity-pledging model similar to Koha's RM 100 million NGO pledge. Directly comparable in product category, customer segment and partnership-driven distribution approach.
• Everplans: Digital legacy planning platform that helps users organise, store and share critical life documents and end-of-life preferences — a near-functional analogue of Koha's Digital Vault and Legacy Planner modules.

Broad incumbents

• LegalZoom: Large US-based online legal services platform offering wills, incorporation and other legal documents — comparable in self-serve online will writing, broader legal-services portfolio, and SMB/consumer target segment, though operating at vastly larger scale.
• Rocket Lawyer: Global online legal services platform with wills, business formation and subscription-based legal documents — directly comparable in subscription-based legal document model and D2C self-serve customer experience.
• Rockwills: Established Malaysian trustee and will-writing services company with deep brand recognition and physical distribution — represents the dominant incumbent Koha is competing against for Malaysian legacy planning customers.

Emerging players

• Wealth.com: Wetech/estate planning platform serving financial advisors with digital estate planning tools — partially overlapping with Koha's Advisor Portal and Legacy Planner offerings targeting professional advisors.

Regional players

• Willing: Singapore-headquartered digital will-writing platform serving Southeast Asian consumers with online wills and estate planning — directly comparable product category, with geographic adjacency to Malaysia and shared cultural/regulatory context.

Others

• Palladium Trustee Berhad: Malaysian licensed trustee and estate administration firm with whom Koha has an existing MOU; serves the same end customers via traditional trustee services and represents an adjacent/ecosystem participant rather than a direct digital competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/kohadigital

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Koha Digital