FAQ

Alixco is Malaysia’s regulated digital investment marketplace that connects investors with vetted local SMEs seeking short-term business financing.

We are a Registered Market Operator (RMO) approved by the Securities Commission Malaysia, which means every investment opportunity on Alixco is reviewed, structured, and monitored under strict regulatory standards.

For SMEs, Alixco provides fast, affordable access to working capital—without the long delays and rigid requirements of traditional bank loans.

For investors, Alixco offers access to carefully vetted, fixed-income investment opportunities designed to generate consistent returns while supporting the growth of real Malaysian businesses.

Alixco exists to make funding simpler for businesses—and investing smarter for everyone.

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.

If you suspect a scam or have been approached by someone impersonating Alixco:

1. Do NOT transfer any funds.

2. Call Alixco or send an email to support@alixco.com or report.misconduct@alixco.com

3. Report the case immediately to the National Scam Response Centre (NSRC) at hotline 997  . The affected party (scammed investor or issuer) must make the report personally.

4. You may also file a police report and notify the NSRC via their website: https://nfcc.jpm.gov.my

Note: Alixco itself is not authorized to file police reports on behalf of investors or issuers. It is the responsibility of the affected individual to report the incident directly to the authorities.

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.

P2P lending in Malaysia is a regulated but non-guaranteed investment: it is overseen by the Securities Commission Malaysia (SC), yet your capital and returns are never guaranteed. On Alixco, investor funds are held in a dedicated trust account with Maybank Trustee Berhad, and every issuer passes a multi-step vetting process.

What makes it comparatively safe on Alixco:

• Alixco is a Registered Market Operator (RMO) approved by the SC
• Investor money sits in a Maybank trustee account – Alixco never touches it directly
• Issuers are screened through financial review, credit checks (Experian, CTOS) and fraud checks
• Historically, over 97% of Alixco investments have been fully repaid

What to keep in mind: returns are not guaranteed, there is no Capital Market Compensation Fund coverage, and issuers can default. The recommended way to manage this is to diversify across many campaigns rather than concentrating in one.

Yes. Peer-to-peer (P2P) financing is fully legal in Malaysia and is regulated by the Securities Commission Malaysia (SC) under its Recognized Market Operator framework. Only SC-registered platforms are allowed to operate.

Alixco operates under the legal entity FBM Crowdtech Sdn Bhd (1167599-X) as an SC-approved Registered Market Operator (RMO), with independent audits and full regulatory compliance in risk management, investor protection and reporting.

Before using any platform, you can verify that it appears on the SC’s official list of registered P2P and equity crowdfunding operators.

There is no single “best” platform for everyone – the right choice depends on the returns you want, the risk you accept and the transparency you expect. The most important first filter is that the platform is registered with the Securities Commission Malaysia (SC).

When comparing SC-regulated P2P platforms, look at:

• Historical repayment and default rates
• How investor funds are safeguarded (e.g. an independent trustee account)
• Transparency of issuer information and risk scoring
• Fees, minimum investment and diversification options

Alixco is an SC-registered RMO that keeps investor funds in a Maybank trustee account, publishes an internal risk score for every issuer, has a minimum investment of RM200 per campaign, and reports a historical repayment rate of over 97%.

Fixed deposits offer capital protection and low, predictable returns, while P2P lending offers higher potential returns without any guarantee of your capital. They serve different goals rather than one being universally better.

A simple comparison:

• Fixed deposit: capital protected (PIDM-insured up to limits), low fixed interest, very low risk
• P2P lending on Alixco: potential returns of up to around 16% p.a., monthly repayments, but capital is at risk and not guaranteed

Many investors use P2P as a higher-yield complement to safer instruments rather than a replacement, and diversify across many campaigns to manage risk. Alixco is not a financial advisor – consider your own goals and risk tolerance before investing.

Standard P2P notes on Alixco are conventional (interest-based) instruments. Whether a specific campaign is Shariah-compliant depends on how it is structured, so always check the individual campaign details.

If Shariah compliance matters to you, review each campaign’s structure and, where needed, consult a qualified Shariah or financial advisor before investing. Alixco does not provide religious rulings and is not a financial advisor.

You can start in four steps: open and verify an Alixco account, browse vetted SME campaigns, invest from as little as RM200, and receive monthly repayments into your Alixco wallet.

In detail:

1. Register and verify your Alixco account (you need to be 18+ with a personal or business bank account)
2. Browse verified campaigns and review each issuer’s factsheet and risk score
3. Commit to a campaign and transfer funds from your own bank account after receiving payment instructions
4. Earn monthly returns, repaid directly to your wallet

To manage risk, spread your money across multiple campaigns, sectors and tenures rather than a single issuer.

Alixco is a legitimate, SC-regulated investment marketplace operated by FBM Crowdtech Sdn Bhd (1167599-X), approved by the Securities Commission Malaysia as a Registered Market Operator.

Signals of legitimacy include: SC registration and independent audits, investor funds held in a Maybank Trustee Berhad account rather than by Alixco directly, a multi-step issuer vetting process, and a documented business continuity (“living will”) plan. As with any investment, legitimacy does not mean returns are guaranteed – issuers can still default.

P2P financing is debt – you lend to an SME and earn interest with scheduled repayments. Equity crowdfunding (ECF) is ownership – you buy shares in a company and returns depend on its future value.

Key differences:

• P2P: fixed tenure, monthly repayments, returns from interest; on Alixco from RM200 per campaign
• ECF: you become a shareholder, no fixed repayment, returns come from dividends or an eventual exit (sale/IPO), typically longer horizon and higher risk

Both are regulated by the Securities Commission Malaysia. Alixco offers both P2P and ECF campaigns.

Anyone aged 18 and above with no legal restrictions in their country may invest through Alixco.

We welcome:

• Retail investors

• High-net-worth individuals

• Institutional investors

• Corporations & businesses

All you need is a verified Alixco account and a personal or business bank account to get started.

It’s simple, fast, and secure:

1. Browse verified campaigns by Malaysian SMEs

2. Choose the ones that fit your goals

3. Invest (starting from just RM200) via bank transfer

4. Earn monthly returns, repaid directly to your Alixco wallet

All repayments and capital go through our trustee account at Maybank, ensuring maximum transparency and investor safety.

Once you commit to invest in a campaign, you’ll receive an automated email with payment instructions. You can then transfer the investment amount from your own bank account. We do not accept third-party transfers or cash deposits.

The minimum investment starts at RM200 per campaign giving you the flexibility to diversify even with a small portfolio.

Transparency is our priority. For every investment opportunity, you’ll receive:

• A detailed company factsheet

• Purpose of fundraising

• Creditworthiness and internal risk score

• Business model and key financials

• Personal guarantor info (where applicable)

You know exactly who you’re investing in.

All investor funds are held in a dedicated trust account with Maybank Trustee Berhad, a leading bank in Malaysia. Alixco never touches your money directly.

We charge a small fee only on repayments between 0.35% to 2%, depending on campaign structure and tenure.

No upfront fees
No fee if there’s no repayment
Investors keep 98–99.65% of their total repayments 

We have a 3-step late payment process:

1. Reminder & grace period notice

2. Late fee penalties charged to issuer

3. Legal action against directors & guarantors

Investors will be informed throughout. Legal recovery is initiated promptly if delays continue.

Default risk exists with all investments. But at Alixco:

• We cover legal fees for enforcement

• We pursue court action and recovery

• Approx. Over 50% of default cases result in recoveries

Note: Alixco investments are not guaranteed and not covered by the Capital Market Compensation Fund.

Investments made through the Alixco platform are not covered by the Capital Market Compensation Fund. This means any losses incurred cannot be claimed from the Fund.

To check legal updates related to late or defaulted issuers:

1. Navigate to the Dashboard at the top menu.

2. Click on Repayment in the left-hand menu.

3. Select the LATE tab at the top of the screen.

Use the search bar to find the relevant issuer (e.g., "ISSUER NAME").

Legal proceedings and updates (e.g. court dates, applications) will be displayed on the right-hand side.

This section is regularly updated with any legal enforcement actions or recovery efforts undertaken by Alixco.

Not necessarily. High returns often come with higher risk.
We strongly recommend:

• Diversifying across multiple campaigns

• Spreading your investments by tenure and sector

• Considering your own financial goals and risk appetite

Smart diversification = better risk management.

This is called risk-based pricing. Our internal proprietary risk scoring model gives a score for each issuer based on financials, quantitative as well as qualitative data. The risk score should be commensurate with the amount of risk investors are taking. This is designed to compensate investors appropriately for the risk they are taking.

Interest rates reflect:

• The SME’s risk score (credit & business profile)

• Financial health

• Tenure & funding size

Usually, the following applies:

Higher interest rate = higher return potential but also higher risk

Lower interest rate = lower return potential but also slightly lower risk  

Every business listed on Alixco P2P is assessed using a proprietary credit-risk scoring model that evaluates financial strength, payment history, business stability, and guarantor credibility. The result is a credit rating that helps investors gauge the relative risk level of each investment opportunity.

Our risk grades range from AAA (lowest risk) to D (in default). These ratings are derived from a combination of financial data (e.g., profitability, leverage, liquidity), behavioral data (e.g., repayment record, CTOS/SSM data), and qualitative assessments (e.g., management background, industry outlook).

Important risk warning: Independent of the risk rating, every investment note, including those rated A or better, have a certain risk of non-payment and default. For avoidance of doubt, this means that an investor may lose part or all of his/her investment. There is no absolute guarantee when it comes to P2P investments! 

Credit rating Scale: 

Why are there finer grades such as BAA1, BAA2, BAA3 (or B1, B2, B3)?

Each main rating category (for example BAA, BA, or B) is further divided into three sub-levels  1, 2, and 3  to show finer distinctions in credit quality within that category.

The “1” suffix (e.g. BAA1) indicates that the issuer is at the stronger end of that rating band.

The “2” suffix (e.g. BAA2) represents a mid-range position within the band.

The “3” suffix (e.g. BAA3) shows that the issuer is at the weaker end of the category but still above the next lower rating.

This finer grading provides investors with a more precise risk assessment, helping you compare issuers more accurately when constructing a diversified portfolio.
For example, a BAA1 issuer is generally viewed as slightly safer than a BAA3 issuer, even though both fall within the same overall “Moderate” risk category.

Important Notes for Investors

Ratings reflect relative risk levels, not guarantees of repayment.

A lower-rated issuer may still be a good investment opportunity with higher expected returns but also with higher risk.

Alixco continues to monitor and update issuer ratings periodically based on payment performance and new financial data.

Investors are encouraged to diversify across different ratings to balance risk and return.

As many as you like!
Retail investors are encouraged to stay within a recommended maximum exposure of RM 50,000 across the platform.

No. Like all investment platforms, Alixco acts solely as a market intermediary, not as a guarantor. This approach:

• Keeps costs low

• Increases return potential

• Encourages transparent risk-reward alignment

There is no coverage from the Capital Market Compensation Fund, and no guarantees on capital or interest.

Investments made through the Alixco platform are not covered by the Capital Market Compensation Fund. This means any losses incurred cannot be claimed from the Fund.

We run a robust 3-step vetting process:

1. Financial & operational review

2. Credit checks and risk scoring (internal + Experian, CTOS)

3. Background & fraud checks (on directors & business)

Only issuers who meet our minimum risk and due diligence standards are listed.

Yes. Your investment income is subject to personal income tax in Malaysia.
We recommend consulting your tax advisor on how to report these earnings.

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.

No, Alixco is not a financial advisor. P2P investments may or may not be suitable for your particular situation. Please consult with your personal financial advisor about the suitability of P2P investments with regard to your own personal (financial) situation, investment goals and level of risk tolerance before making any investment.

With RM1,000 you can spread across up to five campaigns, since the minimum investment on Alixco is RM200 per campaign. Diversifying rather than putting the full amount into one issuer is the recommended approach.

A simple way to deploy RM1,000:

• Split it into 5 x RM200 across different sectors and tenures
• Review each issuer’s factsheet and internal risk score before committing
• Reinvest the monthly repayments to compound your returns over time

Returns are not guaranteed and issuers can default, so diversification is your main tool for managing risk.

Alixco campaigns typically target returns of up to around 16% p.a., paid as monthly repayments, though returns are not guaranteed. Higher advertised rates generally reflect higher issuer risk.

What drives your actual return:

• The issuer’s risk score – rates follow risk-based pricing
• The campaign tenure and structure
• Whether the issuer repays on time; historically over 97% of Alixco investments have been fully repaid

A small fee of roughly 0.35%–2% applies only on repayments received, so investors keep about 98–99.65% of their repayments.

P2P lending can generate regular passive income through monthly repayments, but it is not a guaranteed or risk-free income stream. It suits investors who want yield above savings rates and can accept the risk of default.

Why it can work as passive income: repayments (principal plus interest) arrive monthly and can be reinvested to compound. What to watch: capital is at risk, returns are not guaranteed, and income depends on issuers repaying. Diversifying across many campaigns smooths out the impact of any single default.

You can start with as little as RM200, which is the minimum investment per campaign on Alixco. There are no upfront fees to open or fund an account.

Retail investors are encouraged to stay within a recommended maximum exposure of RM50,000 across the platform. Beyond the minimum, a larger amount simply lets you diversify across more campaigns.

The single most effective way to reduce risk is diversification – spread smaller amounts across many campaigns instead of concentrating in one issuer.

Practical steps on Alixco:

• Invest across multiple campaigns, sectors and tenures
• Use the issuer risk score and factsheet to balance higher- and lower-risk notes
• Do not chase only the highest interest rates – higher returns usually mean higher risk
• Reinvest repayments gradually rather than committing everything at once

Even with these steps, capital is at risk and returns are not guaranteed.

Yes. Anyone aged 18 and above with no legal restrictions in their country can invest through Alixco, including non-Malaysians.

You need a verified Alixco account and a personal or business bank account to transfer funds and receive repayments. Transfers must come from your own account – third-party transfers and cash deposits are not accepted. Consider any tax obligations in your own country of residence.

Repayments (principal plus interest) are credited monthly to your Alixco wallet, from where you can withdraw to your own bank account.

A few points to note: your invested capital is committed for the campaign’s tenure, so it is returned progressively through scheduled monthly repayments rather than on demand. P2P notes are not designed to be sold early. Withdrawals are paid only to your own registered bank account.

Neither is universally better – P2P lending offers fixed-income-style monthly repayments with a defined tenure, while the stock market offers liquidity and potentially higher (but more volatile) long-term returns.

Broad differences:

• P2P on Alixco: predictable monthly repayments, up to around 16% p.a. target, capital at risk, limited liquidity during the tenure
• Stocks: can be bought and sold daily, returns driven by price and dividends, higher day-to-day volatility

Many investors hold both for diversification. Alixco is not a financial advisor – weigh your goals and risk tolerance first.

Investment income earned from P2P lending is subject to personal income tax in Malaysia.

Your returns (the interest portion of repayments) should be reported as income. Tax treatment can depend on your personal circumstances, so we recommend consulting a qualified tax advisor on how to declare your P2P earnings correctly. Alixco does not provide tax advice.

If you're a growing SME, you may have faced strict credit requirements or slow turnaround times from banks. At Alixco, we provide a fast, flexible, and transparent alternative:

• Raise RM 50,000 – RM 5 million

• Short 1–12 month financing tenures

• Disbursement in as little as 1–7 days

• Fully online process

• Competitive interest rates as low as 8% p.a. (8% p.a. - 18% p.a. depending on your company's risk score) 

With Alixco, you tap into a diverse pool of investors while keeping full control of your business.

Sign up in just a few clicks at
www.alixco.com/register

Once registered, you'll be guided step-by-step to:

• Submit documents

• Fill in your campaign details

• Undergo credit review

• Launch and raise funds!

An issuer can be sole proprietorships, partnerships, limited liability partnerships, private limited and non-listed public companies. The following entities are prohibited from raising funds through a P2P platform:
(a) Commercially or financially complex structures (i.e. investment fund companies or financial institutions)
(b) Public-listed companies and their subsidiaries;
(c) Companies with no specific business plan or its business plan is to merge or acquire an unidentified entity (i.e. blind pool)
(d) Companies that propose to use the funds raised to provide loans or make investment in other entities
(e) Any other type of entity that is specified by the SC.

The minimum amount per campaign is RM 50,000.

There is no SC-imposed cap, but at Alixco:

• You can generally raise up to RM 5 million cumulatively

• Campaigns must hit at least 80% of target to be successful

• Oversubscription is refunded to investors (you don’t keep excess

• The final approved amount depends on your risk score, credit limits, and campaign strength?

To comply with SC regulations and to give investors confidence, we require:

• Business registration and forms (e.g. SSM docs)

• Audited/management accounts

• Bank statements

• Guarantor NRICs

• Credit bureau consent

We treat your data with strict confidentiality.

Flexible repayment terms of 1 to 12 months (and up to 24 months in specific cases). We also offer invoice financing and factoring options for working capital needs.

At Alixco, we aim to be as transparent as possible for both investors and issuers. This might also help investors on the platform get more confidence in financing your business. Investors will be able to see your company name, business description, incorporation numbers, risk evaluation, the amount you seek to raise, the interest rate, loan tenure, purpose of the loan and a few key financial metrics such as revenue/earnings growth, EBIT and cash flow.

• Preparation: ~1 day - 7 days (depending on your readiness)

• Fundraising duration: Up to 30 days

• Strong campaigns often get fully funded in hours!

This depends on a variety of factors such as the amount an issuer seeks for financing, the interest rate and the strength of the business. Campaigns will be left open for financing for up to 30 calendar days. Strong campaigns might already close within hours!

Monthly repayment dates will be set on the date of disbursal of the fund to your account.

Alixco uses a risk-based pricing model:

•  Strong businesses: 8%–12% p.a.

• Typical range: 12%–16% p.a.

• Higher-risk notes: Up to 18% p.a.

Your rate is determined by credit score, financials, and guarantor profile

We will aim to give you competitive ratings and calculate the interest rate based on the riskiness of the issuer’s business (risk-based pricing). This includes both quantitative and qualitative criteria which are specified in our proprietary algorithm and will then be matched with our risk-based table.

Via equal monthly instalments (amortizing) over the financing tenure for the majority of cases. In certain cases, bullet repayments may be offered as a funding option. 
All payments go through a Maybank Trustee Account for security.

Alixco charges an origination fee of the total amount financed of between 2-6%. The fee is dependent on the riskiness of the issuer, tenure, investment size and any additional services requested by the issuer.

There are also upfront due diligence fee to pay upon applying the financing: RM 100 per director (non-refundable)

Retention charge: a  security deposit will be deducted from the financing amount (successfully financed) from issuers to cover for administrative charges in the event of default. This charge is fully refundable and will be returned to the issuer in case the issuer does not default on any payments and does not have any late payments or breach any terms of any agreement. Usually this security deposit amounts to 10% of the fundraising amount. The security deposit may vary and be higher in case of certain high-risk P2P investment notes (usually grade C P2P investment notes).

Alixco assesses a businesses’ creditworthiness according to a set of quantitative and qualitative criteria. The quantitative part includes an assessment of key financial ratios and financial statements. AlixCo will also perform a check on the issuer’s creditworthiness with a leading credit rating agency.

You are very happy to reapply. Maybe your business was not ready yet. Alixco reserves the right to decline a campaign in certain cases such as: weak credit score of company.

Yes, we will require a personal guarantee by all directors, at least minimum of two guarantors. This also serves as a positive signal to investors of the good intention of the issuer to repay the outstanding amount.

Peer-to-peer (P2P) financing lets Malaysian SMEs raise unsecured working capital based on business creditworthiness rather than physical collateral. On Alixco, approval is driven by your financials and credit profile, not by pledged assets.

How it works: you apply, Alixco assesses your creditworthiness using quantitative and qualitative criteria plus a credit rating agency check, and successful campaigns are funded by investors. A refundable security deposit and a personal guarantee may apply, but traditional asset collateral is generally not required.

P2P financing is a widely used alternative to a bank loan for Malaysian SMEs, offering faster, collateral-light access to working capital. It suits businesses that need speed and flexibility rather than the longest possible tenure.

Compared with a typical bank loan, P2P financing on Alixco offers a quicker application-to-funding timeline, no requirement for traditional asset collateral, and transparent risk-based pricing. In return, tenures are usually shorter and pricing reflects your risk profile. It is regulated by the Securities Commission Malaysia.

Campaigns start at a minimum of RM50,000, and a business can generally raise up to around RM5 million cumulatively on Alixco.

There is no SC-imposed cap on the amount, but Alixco applies its own limits based on your creditworthiness. Campaigns must reach at least 80% of the target to be considered successful, and oversubscription may be allowed. The exact amount you qualify for depends on your financials and risk assessment.

Once your application is approved and the campaign is prepared, raising funds is typically much faster than a traditional bank loan. Timelines depend on how quickly you provide the required documents and on investor demand.

The process has two phases: preparation and launch (driven mainly by your document readiness and Alixco’s vetting), followed by the funding period where investors commit to your campaign. Providing complete, accurate documents up front is the biggest factor in speeding things up.

Alixco charges an origination fee of roughly 2%–6% of the amount financed, plus a non-refundable due-diligence fee of RM100 per director on application.

The origination fee depends on your risk profile, tenure, financing size and any additional services. A fully refundable security deposit is also deducted from the financed amount and returned if you make all payments on time without default or breach. Interest paid to investors typically ranges from about 8% to 16% p.a. under risk-based pricing.

Eligibility is based on your business creditworthiness rather than collateral, assessed through both financial and qualitative criteria.

Alixco reviews key financial ratios and statements, performs a credit check with a leading credit rating agency, and evaluates qualitative factors such as management background and business stability. Preparing clear financial documents improves both your chances of approval and the pricing you receive. Apply to receive an assessment specific to your business.

Equity crowdfunding is a method of raising capital by selling shares of your company to a large number of investors through an online platform. It can benefit your business by providing access to capital, increasing brand awareness, and engaging with a community of investors.

To raise funds through equity crowdfunding, you can apply to become listed on Alixco by submitting an application via Get Financed after you register and login to your Alixco account. The first steps are simple, just submit your business plan, financials (if available) and a compelling pitch and we will be in touch soon discussing the next steps with you.

Only locally incorporated (in Malaysia) companies and limited liability partnerships (excluding exempt private companies) will be allowed to be hosted as an ECF issuer.

Equity crowdfunding is suitable for a wide range of businesses, including startups, early-stage companies, and growth-stage companies across various industries. Businesses should have a scalable business model, a compelling value proposition, and a clear growth strategy.

Costs associated with equity crowdfunding may include platform fees, legal fees, marketing expenses, and compliance costs. It's essential to consider these costs when planning your fundraising campaign. Alixco typically charges a 5-7% success-only fee and a 1% sign-up fee.  The 1% sign up fee is usually between RM 2,000 and RM 15,000, depending on the deal size and complexity. 

 Additional fees such as lawyer or consulting fees may apply but typically do not exceed 2% of the targeted funding amount. Hence, most businesses can expect an overall funding cost of 7%– 9% of the funding amount.

An issuer may only raise collectively, a maximum amount of RM20 million through ECF platforms in its lifetime. This amount is excluding the issuer’s own capital contribution or any funding obtained through a private placement exercise.

The concept of ‘all or nothing’ is applied to the ECF fundraising exercise. In this regard, an issuer must raise the targeted amount from investors, or the campaign is considered unsuccessful. When the ECF campaign is unsuccessful, all monies collected are returned to the investors. A targeted range of fundraising amount (minimum and maximum amount) is set for each ECF campaign.

The issuer is only allowed to keep the funds raised within the targeted range of fundraising amount (minimum and maximum amount). A campaign is considered successful once the targeted amount sought to be raised has been met.

No. An issuer can only raise funds on one ECF platform at any one time. An issuer may be permitted to be hosted on an ECF platform and peer-to-peer (P2P) platform at the same time, subject to disclosure requirements as may be specified by the platform operators.

As part of your fundraising campaign, you'll need to provide investors with detailed information about your business, including your business model, financial projections, use of funds, and potential risks. Transparency and clarity are key to attracting investor interest.

The time it takes to raise funds through equity crowdfunding can vary depending on factors such as the attractiveness of your investment opportunity, investor demand, and market conditions. On average, the actual fundraising period lasts for 90 days while the whole crowdfunding process from application to disbursement in case of success usually takes about 2 – 6 months.

Yes, equity crowdfunding allows businesses at various stages of growth, including pre-revenue and early-stage companies, to raise funds from investors. However, you'll need to clearly communicate your business's growth potential and value proposition to attract investor interest.

Businesses raising funds through equity crowdfunding must comply with regulatory requirements set by the Securities Commission Malysia, including disclosure obligations, investor limits, and reporting obligations. Alixco is checking that your company’s campaign meets regulatory requirements. Furthermore, Alixco has a trusted legal partner firm which can support in the legal document creation for your pitch.

The SC regulates equity crowdfunding (ECF) activities in Malaysia by registering the ECF operators (ECF operators) as recognised market operators pursuant to the Guidelines of Recognized Markets (RMO Guidelines).

The RMO Guidelines, among others, sets out registration requirements and imposes a set of obligations applicable to an ECF operator. Ongoing obligations imposed on an ECF operator include ensuring compliance with disclosure requirements and governance arrangements, carrying out due diligence exercise on prospective issuers planning to use its platform and ensuring investors’ monies are properly safeguarded.

Alixco provides support to businesses throughout the fundraising process, including guidance on campaign preparation, marketing support, investor relations, and compliance assistance to ensure regulatory compliance and investor confidence.

Valuing your company for an equity crowdfunding campaign requires careful consideration of factors such as revenue, growth potential, market comparables, and investor expectations.

There are different valuation methods used for each business stage, industry and company particulars. The most common (simple) valuation methods include 1. Multiples valuation which bases the value of your company on comparable companies and transactions 2. Discounted Cash Flow analysis (DCF) which bases valuation the expected cash flows the business will generate and 3, Startup valuation which sums up value components based on how strong the characteristics of your startup are.

Alixco can support your business with expert guidance on determining a valuation for your business which is both attractive to you as a business owner and to potential investors.

Documentation for an equity crowdfunding campaign usually include a business plan, financial statements, offering documents, investor presentations, and legal agreements. It's essential to provide clear and comprehensive information to potential investors.

The timeline for preparing an equity crowdfunding campaign can vary depending on factors such as the complexity of your business, the completeness of your documentation, and your readiness to engage with investors. On average, it may take several weeks to a few months to prepare for a campaign. Historically, 1 months – 3 months has been an approximate duration.

Investors typically look for key metrics such as revenue growth, customer acquisition, market traction, product development milestones, and profitability projections. Highlighting these metrics can increase investor confidence in your business.

Yes, businesses that have received funding from other sources can still raise funds through equity crowdfunding. However, it's essential to disclose existing funding arrangements and ensure alignment with prospective investors.

Promoting your equity crowdfunding campaign requires a multi-faceted approach, including online marketing, social media outreach, investor networking, and engaging with potential investors through the platform's online portal.

After successfully raising funds through equity crowdfunding, businesses are typically required to provide regular updates to investors on the progress of the business, financial performance, and any significant developments. Compliance with reporting requirements is essential for maintaining investor trust and confidence. An update to investors is expected and required at least on a yearly basis.

Yes, businesses can set funding targets lower than the maximum allowable limit for equity crowdfunding campaigns. However, it's essential to consider the funding needed to achieve your business objectives and adequately communicate your funding goals to potential investors.

Alixco offers support to businesses throughout the fundraising process, including campaign preparation, marketing assistance, investor relations, and compliance guidance. Ongoing support after the fundraising process (after fundraise support may incur additional charges) may include support on investor updates, reporting assistance, and networking opportunities.

Choose equity crowdfunding (ECF) if you are willing to give up shares for capital you do not repay monthly; choose P2P financing if you prefer to keep ownership and can service scheduled repayments.

ECF suits growth-stage or pre-profit companies raising larger, longer-term capital in exchange for equity. P2P suits revenue-generating SMEs that want debt financing with a fixed tenure and no dilution. Both are regulated by the Securities Commission Malaysia, and Alixco offers both.

Yes. Equity crowdfunding (ECF) is regulated by the Securities Commission Malaysia (SC), and only SC-registered platforms may host ECF campaigns.

The SC framework sets rules for issuer eligibility, disclosure to investors, fundraising limits and investor protection. Alixco operates as an SC-registered operator, so ECF campaigns on the platform follow these regulatory standards.

Equity crowdfunding suits companies with strong growth potential and a compelling story – typically startups and scale-ups – that are willing to bring on shareholders.

Good candidates usually have a clear business model, a defined use of funds, and the ability to prepare proper disclosure documents and a credible valuation. Businesses that simply need short-term working capital and prefer not to dilute ownership are often better served by P2P financing.

Equity crowdfunding is a method of raising capital in which businesses sell shares of their company to a large number of investors through an online platform.

ECF is an online fundraising platform for start-ups or micro, small and medium enterprises (MSMEs) to raise early-stage financing from a group of investors.

Investors who provide financing to the start-up or MSME via ECF will receive equity or shares from the company and will become one of the shareholders of the company. Over time, if the company’s business does well, the investor who is now a shareholder will benefit from either the potential dividend paid out by the company; sale of the shares to new investors or if the company becomes eligible to list on the stock exchange. 

ECF investment opportunities are open to all investors.

There are three types of investor categories:

1. Retail Investor
   • Refers to an individual who is not an angel investor or a sophisticated investor.
2. Angel Investor
   • who is a tax resident in Malaysia and Public (Umum) OR
   • whose total net personal assets exceed RM3 million or its equivalent in foreign currencies OR
   • whose gross total annual income is not less than RM180,000 or its equivalent in foreign currencies in the preceding 12 months OR
   • who, jointly with his or her spouse, has a gross total annual income exceeding RM250,000 or its equivalent in foreign currencies in the preceding 12 months.
3. Sophisticated Investor
   1. is determined to be a sophisticated investor  under the  Guidelines on Categories of Sophisticated Investors OR
   2. acquires any capital market product or Islamic capital market product offered or  traded on a recognized market where the consideration is not less than RM250,000 or its equivalent in foreign currencies for each transaction whether such amount is paid for in cash or otherwise

ECF represents an additional investment asset class where investors can have the option to diversify their investments beyond the traditional asset classes to suit their goals and risk profile. Remember to ask questions, read all information given carefully, and seek independent financial advice before committing yourself to any investment.

Refers to an individual who is not an angel investor or a sophisticated investor.  

Additional comment: most investors will fall into this category unlees you meet the criteria in the "angel investor" or "sophisticated investor" sections e.g. a net worth over RM 3 million. 

Refers to an individual—
(a) who is a tax resident in Malaysia; and
(b) whose total net personal assets exceed RM3 million or its equivalent in foreign currencies; or
(c) whose gross total annual income is not less than RM180,000 or its equivalent in foreign currencies in the preceding 12 months; or
(d) who, jointly with his or her spouse,has a gross total annual income exceeding RM250,000 or its equivalent in foreign currencies in the preceding 12 months.

Please refer to the full  Guidelines on Categories of Sophisticated Investors to see if you are a sophisticated investor. 

To help you in deciding whether you may qualify and check more details, here is a shortened list of potential qualification criteria: 

Sophisticated: 

High-Net Worth Individual (HNWI):

• Total net personal assets exceeding RM3 million, with primary residence not more than RM1 million
• Total net joint assets with spouse or child exceeding RM3 million, with primary residence not more than RM1 million
• Gross annual income exceeding RM300,000 or RM400,000 jointly with spouse or child.
•  Total net personal or joint investment portfolio exceeding RM1 million.
•  Relevant qualifications with five years' finance-related experience.
• Membership in specified financial associations

Accredited Investor:

• Unit trust scheme, private retirement scheme, or prescribed investment scheme.
• Bank Negara Licensed or registered persons
• Exchange holding company, stock exchange, derivatives exchange, approved clearing house, central depository, or recognized market operator.
• Corporation licensed or approved for regulated activities by Labuan or foreign authorities.
• Bank or insurance licensee under Labuan Financial Services and Securities Act 2010.
• CEO or director of licensed entities.
• Closed-end fund approved by SC.

High-Net Worth Entity (HNWE):

• Trust company with assets over RM10 million.
• Public company approved by SC as trustee with assets over RM10 million.
• Corporation with total net assets over RM10 million.
• Partnership with total net assets over RM10 million.
• Statutory body with investment mandate and assets over RM10 million.
• Pension fund approved by Director General of Inland Revenue.

PEP refers to "Politically Exposed Persons" i.e. individuals who are or who have been entrusted with prominent public functions either in Malaysia or in any other country in the world. 

In case you are a PEP, it is your obligation to mark yes to the PEP question in your user dashboard KYC section and/or inform Alixco immediately via email. 

In simple terms, a Politically Exposed Person (PEP) means a high-profile, political individual or individual entrusted with prominent public functions 

Examples are: 

• heads of State, heads of government, ministers and deputy or assistant ministers;
• members of parliament or of similar legislative bodies;
• members of the governing bodies of political parties;
• members of supreme courts, of constitutional courts or of other high-level judicial bodies, the decisions of which are not subject to further appeal, except in exceptional circumstances; #
• members of courts of auditors or of the boards of central banks
• ambassadors, chargés d'affaires and high-ranking officers in the armed forces;
• members of the administrative, management or supervisory bodies of State-owned enterprises; 
• directors, deputy directors and members of the board or equivalent function of an international organisation.

In case you are a family member or close associate of a PEP, you must also mark yes to the PEP question in your user dashboard KYC section and/or inform Alixco immediately via email. 

Family members include the following:

• The spouse, or a person considered to be equivalent of a spouse, of a politically exposed person; 
• The children and their spouses, or persons considered to be equivalent to a spouse of a politically exposed person
• The parents of a politically exposed person; 

Persons known to be close associates means:

• natural persons who are known to have joint beneficial ownership of legal entities and legal arrangements or any other close business relations, with a politically exposed person;
• natural persons who have sole beneficial ownership of a legal arrangements which is known to have been set up for the de facto benefit of a politically exposed person.

To invest in equity crowdfunding, you can sign up via the Register button on Alixco or log into your existing Alixco account, browse available investment opportunities via “Invest ECF”, and choose to invest in businesses that align with your investment goals. You will be required to fill out an investor notification/warning to determine if you are allowed to proceed.

In general, upon understanding and analysing the information disclosed by issuers concerning its business, financing purpose, financial information and risk information published on the ECF platform, an investor will then make an informed investment decision on the issuer, including the amount they wish to invest in.

Investors are advised to evaluate and understand investment risks before making any investment decisions. Investing in start-ups and early-stage businesses involves high risks, including loss of investment, illiquidity, lack of dividends and dilution, and it should be done only as part of a diversified portfolio.

The potential returns on equity crowdfunding investments can vary widely depending on the success of the business. While some investments may result in significant returns, others may not yield any returns or may even result in a loss.

Each issuer offers a certain type of shares to investors. This may be pure equity (direct shares) or preference share or a variety of it. ECF shares on Alixco are usually so called RCPS = redeemable convertible preference shares. Investors should always read the investment overview sheet to fully understand the characteristics, rights, opportunities and limitations of the shares offered.

Equity crowdfunding investments carry inherent risks, including the potential loss of the entire invested capital. Factors such as business failure, market conditions, and regulatory changes can impact the success of investments.

The amount you can invest in equity crowdfunding typically depends on your jurisdiction's regulations and the specific platform's policies. In Malaysia, retail investors are subject to investment limits set by the Securities Commission.

A person may invest in any issuer hosted on the ECF platform, subject to the following limits:

Investment Limit

Retail investor

Maximum RM 10,000 for retail investors for a single investment and, no more than RM50,000 within a 12-month period

Angel investor

Up to RM500,000 for angel investors within 12 months

Sophisticated investor

No investment limit

Depending on your jurisdiction and regulations in your country of nationality and residence, non-Malaysian investors may be allowed to participate in equity crowdfunding campaigns. However, it's essential for investors to verify eligibility e.g. with a lawyer and/or tax advisor and comply with any applicable regulations in your jurisdiction.

ECF investors are given a six business days cooling-off period, within which they may withdraw the full amount of their investment. In addition, if there is any material adverse change relating to an issuer, the investors must be notified of such change.

When evaluating investment opportunities, consider factors such as the business model, market potential, management team, financial projections, and exit strategy. Conduct thorough due diligence and seek advice from financial professionals if needed.

In most cases, equity crowdfunding investments are illiquid, meaning you cannot easily sell your shares before the business exits or goes public. You may have to wait for a liquidity event such as an acquisition or IPO, which may take years or decades or may never be realized.

Tax implications vary depending on your jurisdiction, nationality and place of residence and the specific nature of your investments. Consult with a tax advisor to understand how equity crowdfunding investments may affect your tax situation.

It is important to highlight that investments in ECF issuers have NO GUARANTEE of return. Investments in ECF issuers are typically binary i.e. usually either leading to the loss of the entire investment or to attractive returns. Moderate losses or moderate returns may also happen but tend to be less frequent.

It is important to highlight that Alixco solely acts as a platform operator connecting issuers with investors and Alixco will not compensate investors for any losses or associated direct, indirect, incidental or consequential damages as a result of any investment made via the platform online or offline.

Alixco is required to adhere to regulatory standards and implement investor protection measures, such as due diligence on businesses, transparency in disclosures, and compliance with regulatory requirements.

The SC regulates equity crowdfunding (ECF) activities in Malaysia by registering the ECF operators (ECF operators) as recognised market operators pursuant to the Guidelines of Recognized Markets (RMO Guidelines).

The RMO Guidelines, among others, sets out registration requirements and imposes a set of obligations applicable to an ECF operator. Ongoing obligations imposed on an ECF operator include ensuring compliance with disclosure requirements and governance arrangements, carrying out due diligence exercise on prospective issuers planning to use its platform and ensuring investors’ monies are properly safeguarded.

Investors can report any complaint or dispute regarding the investment to report.misconduct@alixco.com and the complaint or dispute will be investigated immediately. Alternatively, you may lodge your complaint regarding your ECF investment by contacting the Consumer & Investor Office (CIO) of the SC.

Investors may incur fees such as platform fees, transaction fees, and performance fees. These fees can vary depending on each deal.  Typically Alixco charges ECF investor a small fee for transactions and a performance profit  fee of 10%  ( or between 0% - 20%) on any distributions or returns from ECF investments, which means investors typically get to keep between 80% to 100% of the profits made subject to taxes. Investor should carefully read each investment pitch to understand the costs and fees applicable for each deal.

Registered investors can access information about investment opportunities through the Alixco’s ECF portal, which includes current deals with details such as company profiles, financial projections, investment terms, and risk factors.

Equity crowdfunding investments are generally illiquid, meaning you cannot easily sell your shares on a secondary market. You may need to hold your investments until a liquidity event occurs, such as an acquisition or IPO. You may have to wait for a liquidity event such as an acquisition or IPO, which may take years or decades or may never be realized. 

Equity crowdfunding platforms offer a diverse range of investment opportunities across various industries and sectors. By investing in multiple campaigns, you can spread your risk and diversify your portfolio.

In the event of business failure or bankruptcy, investors may lose some or all of their invested capital. It's essential to assess the risk factors and potential outcomes before making investment decisions.

Issuers are expected to provide investors with regular updates on the progress of their investments, including financial performance, company updates, and any significant developments on a regular basis. 

If the business you invested in gets acquired or goes public, you may have the opportunity to realize returns on your investment through a buyout or the sale of shares on a public exchange. These returns can either be substantially negative e.g. a 99% loss or substantially positive e.g. a 100% or 1000% gain.

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.

One regulated way to invest in Malaysian startups is through equity crowdfunding (ECF) on an SC-registered platform such as Alixco, where you buy shares in early-stage companies.

To get started: open and verify an account, browse ECF campaigns, review each company’s disclosures and valuation, and invest to become a shareholder. Returns come from dividends or a future exit (sale or IPO), the horizon is long, and startup investing is high-risk – only invest what you can afford to lose and diversify across several companies.

With ECF you buy equity (shares) and profit if the company grows; with P2P you lend money and earn interest through scheduled repayments.

Key contrasts for investors:

• ECF: ownership stake, no fixed repayments, returns from dividends or an exit, long horizon, higher risk
• P2P: fixed tenure, monthly repayments, interest-based returns, from RM200 per campaign on Alixco

Both are SC-regulated and neither guarantees returns. Many investors hold both to balance income and growth.

Equity crowdfunding minimums are kept deliberately low so retail investors can diversify; the exact minimum is shown on each campaign page.

Because ECF is higher-risk than P2P, the recommended approach is to invest small amounts across several companies rather than a large sum in one. Investor eligibility categories (retail, angel and sophisticated) can affect how much you are allowed to invest, and a cooling-off period applies after you commit.

Yes. Equity crowdfunding is a high-risk, long-term investment – early-stage companies can fail, your shares are hard to sell before an exit, and returns are never guaranteed.

Risks to understand: you may lose your entire investment if the company fails, there is limited liquidity until a sale or IPO, and returns depend entirely on the company’s performance. Alixco does not compensate for losses and is not a financial advisor. Only invest money you can afford to lose, and diversify across multiple companies.

Alixco P2P Investment Returns, Risk Ratings & Market Statistics

 High Potential Returns for Alixco Investors – Up to 11.26% p.a. Net Return p.a. . Important Info: Capital at risk. 

At Alixco, investors have consistently achieved strong returns through our peer-to-peer (P2P) financing platform in Malaysia.

From our launch in 2018 until January 2026, the net average annual return (after fees and defaults) for investors was exceeding 10% p.a. (nominal) , with many investors earning even more depending on portfolio choices and diversification.

The average interest rate for business financing notes listed on Alixco stood at 13.52% p.a. (nominal), showcasing the attractive yield potential of our platform.

These statistics are based on over seven years of real investment data, highlighting our strong track record and commitment to delivering reliable returns in Malaysia’s fast-growing P2P lending sector.

At Alixco, we remain committed to:

• Offering high-quality investment notes with above-average returns
• Conducting thorough due diligence on all borrower businesses
• Empowering investors with transparency, diversification options, and a robust risk framework

Whether you're a seasoned investor or just getting started, Alixco offers one of the most rewarding and trustworthy P2P investment experiences in Malaysia.

In 2024, Alixco funded businesses across a wide range of industries, offering investors broad exposure and diversified risk.

The Retail/Trade sector led with 37.9% of total funded volume, reflecting strong demand from consumer-facing businesses.

Manufacturing and Wholesale followed at 17.9% and 13.3%, respectively, highlighting our support for Malaysia’s industrial backbone.

Other notable sectors included Real Estate (14.7%), IT (7.5%), F&B/Hospitality (7.5%), and E-Commerce, Healthcare, and Construction – each at 3.2%.

This diverse portfolio enables Alixco investors to benefit from multiple economic growth drivers while minimizing reliance on any single sector.

At Alixco, we carefully vet businesses from both emerging and established sectors—ensuring every note meets our standards for quality, transparency, and return potential

Balanced Risk Allocation – Insight into Funded Risk Scores

At Alixco, we maintain a transparent and data-driven approach to risk assessment. The majority of funded notes in 2024 were allocated to mid-risk and high-risk categories, offering an optimal balance of attractive returns and manageable risk for investors.

70% of all funded notes were rated CAA2 (35%) and CAA3 (35%), which historically offer higher yields while maintaining a controlled default rate through strict vetting.

17% were rated CA, while small allocations were made to medium--risk ratings like BA3 (6%) and B2/B3/CAA1/C (2% each).

No allocations were made to A-rated categories, as these segments often carry lower yield potential inconsistent with our investors’ return targets.

The radar chart provides a visual overview of risk exposure concentration, helping investors better understand the credit distribution of Alixco’s investment opportunities.

By focusing on disciplined risk selection, Alixco aims to maximize investor returns while actively managing credit exposure across Malaysia’s growing business landscape.

At Alixco, investor protection and repayment reliability are at the core of our platform.

Since our inception, over 97% of investments have been fully repaid, with a low default rate of just 2.78%, as of 15 October 2025. Based on repayment value, our business financing investment notes have achieved a repayment rate exceeding 97% — a strong indicator of our platform’s credit quality and risk management.

Default Rate (as defined by the Securities Commission Malaysia): 2.78%  (1st July 2026)

Number of unique issuers with notes in default (>90 days late): 8

Alixco continues to enhance both its mathematical credit scoring models and social-based risk assessment tools to reduce potential defaults and protect investor capital.

Our goal remains clear: to offer high-yield investments without compromising on due diligence or repayment performance, making Alixco one of the most trusted P2P investing platforms in Malaysia.

We uphold a commitment to our clients, investors, communities and each other.

We build trust through integrity and high ethical standards outlined in the Alixco 'Code of Conduct'. 

Staff members and users are urged to use intranet facilities for comprehensive guidance on raising concerns through various escalation channels.

If you observe any misconduct by Alixco employees or individuals representing the company, such as violations of laws, regulations, or industry codes, including environmental or human rights issues within Alixco's operations, report your concerns via email to report.misconduct@alixco.com . For other concerns, contact our client service officer.

You can make a report anonymously and all reports are treated confidentially by our 'Whistleblowing' central function and if necessary the internal investigation team will take appropriate action.

You may submit all corresponding complaints and any other complaints you have via report.misconduct@alixco.com for appropriate attention. 

Alternatively, complaints may also be submitted via p2p@alixco.com , preferably with the remark "Complaint" in the header so it can automatically be redirected to the relevant officer or via +603 2728 1216 with a request for “FBM Crowdtech Sdn Bhd, Compliance Manager.

The Malaysia Whistleblower Protection Act 2010 safeguards whistleblowers who disclose alleged improper conduct by protecting their identities, granting immunity from civil and criminal proceedings, and preventing detrimental actions.

You can make a report anonymously and all reports are treated confidentially by our 'Whistleblowing' central function and if necessary the internal investigation team will take appropriate action.

The Malaysia Whistleblower Protection Act 2010 safeguards whistleblowers who disclose alleged improper conduct by protecting their identities, granting immunity from civil and criminal proceedings, and preventing detrimental actions.