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Fully compliant. Funds settle into your Client Account without delay, strictly adhering to MEAS Standard 9.
Funds are never commingled. They are processed securely by CHIP and reconciled into your account by the next business day.
Zero transaction fees. Buyers pay the exact deposit amount, and agencies pay nothing to receive it.
We partner with Bank Negara registered payment gateway (CHIP IN Sdn Bhd) to ensure competitive rates, rapid settlement times, and direct local support.
Agencies are reporting institutions. We automate your specific compliance obligations under the AMLA 2001 Act.
Streamlined process. You only need to upload the OTP/OTR to link the deposit; no duplicate document uploads required.
Your commissions are untouched. We monetise downstream valuation leads via ValuationXchange and bank partners.
You stay in control. We identify risks, but your agency decides whether to proceed or refund based on your internal SOPs.
Audit-ready clarity. Bank statements clearly show "CHIP" transfers, supported by downloadable reconciliation reports.
FPX is standard. Credit card payment options for international clients are scheduled for release in Q1 2026.
Be part of the movement for transparent,
tech-enabled valuation in Malaysia.
Accountability is becoming a defining feature of Malaysia’s financial ecosystem.
Across sectors, transparency and traceability are no longer treated as secondary considerations. They are being embedded directly into system design - shaping how funds are distributed, managed, and monitored.
A clear example is Sumbangan Asas Rahmah (SARA). The initiative is structured to ensure financial assistance reaches the intended recipients through controlled and traceable mechanisms. Safeguards are built into the framework to strengthen oversight and minimize leakage. In essence, accountability is not layered on afterward - it is built into the system itself.
This shift is not limited to public financial aid.
For property agencies and banks, the operational environment is equally complex. Transactions involve high-value payments, multiple stakeholders, regulatory scrutiny, and documentation-heavy processes. In such a landscape, fragmented workflows or manual coordination can introduce unnecessary ambiguity and compliance exposure.
As governance expectations evolve, the emphasis is moving beyond simply completing transactions. Increasingly, institutions are expected to demonstrate how transactions are structured, documented, and monitored from start to finish.
The question is no longer whether accountability matters - but whether it is embedded into operational processes.
Applying the same philosophy seen in structured aid frameworks, property transactions benefit from systems designed with clarity and oversight at their core.
PaymentXchange supports structured handling of property-related payments by standardizing workflows and improving visibility across the disbursement process. By reducing inconsistencies and creating clearer documentation trails, it strengthens transaction integrity.
ValuationXchange facilitates structured engagement between banks and valuers, helping to standardize valuation management while enhancing transparency and oversight.
Together, these platforms move accountability from a compliance checkbox to a built-in feature of the transaction lifecycle.
As Malaysia’s financial governance landscape continues to mature, system design is becoming a strategic consideration for agencies and banks alike. Structured processes do more than support compliance - they reinforce trust, reduce operational risk, and create resilience in an increasingly regulated environment.
From public aid initiatives to private-sector property transactions, the direction is consistent: accountability is becoming infrastructure.
Organisations that embed transparency and traceability into their daily workflows will be better positioned to navigate evolving expectations and maintain confidence across stakeholders.
Ready to Elevate Trust in Property Valuation?Join the #TransformationTribe and discover how ValuationXchange empowers smarter lending through trusted, tamper-proof, and transparent valuation workflows.
Reach out to our team to explore how we can support your valuation, compliance, or risk management transformation.
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