General FAQ

Alixco is Malaysia’s premier digital investment marketplace, connecting everyday investors with promising local businesses. As a Registered Market Operator (RMO) regulated by the Securities Commission Malaysia, we enable SMEs to access fast, affordable capital—and empower investors to earn high, fixed-income returns through carefully vetted investment opportunities

Think of us as a smarter, faster, and more transparent alternative to traditional lending and investing.

P2P financing  is a modern investment model that lets you, as an investor, directly fund Malaysian SMEs, cutting out banks and other middlemen.

• Investors earn attractive monthly returns (up to 16% p.a.)

• Businesses get quick, short-term financing (RM 50k–1 million)

•  Transparent, regulated, and risk-rated

P2P is democratizing finance, making investing accessible from as low as RM 200, and funding accessible to businesses in need of working capital.

P2P is called peer-to-peer lending in some countries but peer-to-peer financing in Malaysia due to regulatory implications. 

It’s simple, secure, and seamless.

1. Browse investment opportunities posted by verified Malaysian SMEs on AlixCo’s website

2. Choose a campaign that matches your preferences and risk profile.

3. Invest by simply hitting the ‘Invest’ button on the campaign page. The amount will be deducted from your available balance. 

4. Earn returns monthly (or upon maturity), directly into your Alixco account. All repayments including interest will be automatically transferred back to your Alixco account. Simple as that!

All investments are contractually backed, risk-assessed, and legally binding.
All payments are routed through Maybank Trustee Berhad—Alixco never touches your money directly.

Alixco only accepts bank transfers from verified users' own bank accounts. Cash deposits are not allowed
This policy is in place to ensure compliance with financial regulations and to maintain the security of your transactions.

Yes. Alixco is fully regulated by the Securities Commission Malaysia (SC).

We operate under the legal entity FBM Crowdtech Sdn Bhd (1167599-X) and are independently audited, with full regulatory compliance in areas of:

• Risk management

• AML/CFT and investor onboarding

• Trustee-secured payment flows

• Transparent fee structures and disclosures

Verify us on SC’s official site →

Alixco is led by a seasoned, international team combining the best of fintech, investment, and risk management expertise from Europe and Asia:

Our in-house teams include German IT architects, seasoned legal counsel, and experienced credit risk analysts—all committed to building the most trusted digital finance platform in Southeast Asia.

Your money is securely placed in a Trust account with a major Malaysian bank. Alixco has a living will in place for this scenario so that you will get back your money.

In the unlikely event that Alixco ceases operations due to insolvency or other circumstances, a Business Continuity Plan will be activated to ensure investors' interests are protected.

Under a "Living Will" agreement, Alixco has appointed Crowd Tech Nominee Sdn Bhd as the Inheriting Partner to take over all outstanding investment obligations. This means:

The Inheriting Partner will continue managing investment notes, collection services, and recoveries on behalf of investors.
Late payments and outstanding amounts will still be collected and redistributed until all obligations are fulfilled.
Investors' funds and repayments remain safeguarded under the nominee structure.
This ensures that in the event of Alixco's closure, all live investment notes will continue to be administered efficiently, with recovery processes carried out as needed.