Malaysia’s property sector is entering a new era of transparency and digital integration as the government accelerates the rollout of trusted digital infrastructure to strengthen compliance, governance and investor confidence.

Deputy Finance Minister Lim Hui Ying said the Ministry of Finance is leading digital reforms to connect the entire property ecosystem — from valuation to financing — through verified data and secure transaction systems.

“By introducing digital infrastructure that records, reconciles and reports transactions in real time, we are embedding trust within the system where records are consistent, data is verified and audit trails are secured,” she said during the launch of PaymentXchange.

Developed and operated by Infomina Geolytik Sdn Bhd, PaymentXchange is an industry-endorsed transparent property payment platform designed to promote deposit protection, accountability and compliance across Malaysia’s real estate market. The system works alongside ValuationXchange, linking buyers, banks and valuers to enable a connected and streamlined loan and valuation process.

Lim noted that traditional, fragmented property transactions have long led to inefficiencies, delays and potential risks of fraud. The digital initiative, she said, supports the government’s fiscal priorities ahead of Budget 2026, which emphasise tightening governance, reducing leakages and promoting private-sector innovation aligned with national development goals.

She also highlighted that the initiative complements Malaysia’s regulatory frameworks, including the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA) and Risk Management in Technology (RMiT) guidelines, to ensure financial integrity and traceability.

“A digitally verifiable property market will enhance Malaysia’s global reputation as a transparent and credible investment destination, especially as investors increasingly value regulatory confidence and market integrity,” she added.

In a statement, Infomina Geolytik said PaymentXchange connects property buyers with registered real estate agencies, ensuring deposits are channelled into verified accounts powered by Chip In Sdn. Bhd., a Bank Negara Malaysia-registered payment gateway. The platform provides audit-ready visibility for stakeholders while supporting anti-money laundering best practices and consumer protection.

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