For investors

Capital, ring-fenced and visible.

Funding pools put investor capital on a bank-grade ledger from the moment it arrives — deployed to an agreed plan, measured daily, and withdrawable only through the same approval chain as any other payment.

Mechanics

How a funding pool works

Your own account on the books. Each pool gets a dedicated capital account on the double-entry ledger — investor money is visible on the books from the moment it arrives, not pooled into a blur.
Every contribution on its own terms. Recorded at its agreed fixed rate, on its date. The daily cost of capital accrues automatically from day one.
Deployed to plan. An allocation plan per lending product is compared against the actual outstanding book — deployment versus intention, on screen.
No side doors. Withdrawals and interest payouts leave through the same four-eyes payment chain as any other money movement — prepared by one person, approved by another with a fresh authenticator code.

Funding Pools — deployment vs plan and the live capital register — Funding Pools — deployment vs plan, and the live pool register.

The honest number

Cost of capital, measured daily

RM 250,000 @ 6.5% p.a.

= RM 44.52 a day

Accrued daily and netted against lending yield — the funder’s true net interest margin, not a guess. Both sides of the margin are on the same ledger, provable at any moment.

Nothing edited, ever

The ledger is append-only: contributions, accruals and payouts are permanent entries, and a trial balance re-proves the whole book on demand.

Checked against real bank statements

Book balances are compared to archived bank statements — the ledger’s view of your capital is verified against the bank’s, not asserted.

The investor portal

Structured notes, subscribed and serviced online

A funder can now issue fixed-term notes against its book and take subscriptions through a portal of its own — onboarding, KYC, subscription, maturity and reporting in one place, on the same ledger as everything else.

Onboard once

Register, enrol a passkey — there are no passwords — and submit a KYC pack. A relationship manager recommends, a compliance officer approves, and your approved risk tier decides which notes you can see.

Subscribe with a signature

The marketplace shows only notes at or below your tier. You see the rate and the exact amount it produces, side by side, then sign the terms with your passkey. Capacity is never oversold: a race for the last slice is refused with the true remaining figure, never quietly trimmed.

Fund it your way

Wire the exact amount to your own collection account and the receipt attributes itself, or pay from your wallet and be funded on the spot. No wire that does not match is ever adjusted; it waits for a person.

Choose what happens at maturity

Paid to your settlement account, kept in your wallet, or rolled into the next issue of the same note. You are reminded three days out; the instruction locks the day before. Rollover is a signed standing mandate, not a default.

The wallet is on the books, not beside them

Proceeds you choose to keep sit on a ledger account of your own, in a reserved range, visible on the funder’s trial balance. It earns nothing and converts nothing; money leaves it only to fund a note you signed for, or through the same four-eyes payment chain as every other payout.

The wording you sign is frozen with the issue

Each note carries its own legal terms, set by the funder for its jurisdiction. What you sign is exactly what was issued, hashed and bound to your passkey signature — and your position statement is one click away.

Transparency

See the network your capital funds

The knowledge graph shows the trade network behind the book — screened companies, real trading relationships, concentrations made visible. Capital deployed against something you can look at, not an abstract asset class.

→ How the knowledge graph works

Ask to see a pool's books.

The register, the accrual log and the trial balance — live, on demonstration data.

Book a briefing