How can we help you today?

To make a deposit into your Investor wallet, simply do the following:

1) Log in to your Investor Dashboard here

2) Go to “Wallet Details”

3) Click “Top Up”

4) Enter the amount you would like to top up

5) Click “Next”

6) You will be directed to FPX payment portal payment gateway

7) Complete the following steps until you are directed back to your Investor Dashboard

• Your Bank-in slip
• Your KLDX Account Full Name
• Your Registered Email Address

• A clear image of the cheque
• Your Bank-in slip
• Your KLDX Account Full Name
• Your Registered Email Address

• All deposits must be made from an account registered under your name.
• Third-party deposits are strictly not allowed and will be rejected.
• Deposits may take 1–3 business days to be reflected in your wallet balance.

When you invest on the KLDX platform, you provide money in exchange for a financial stake in a business, fund or project. That financial interest is bound by an agreement between you and the business, fund or project raising money.

Upon investing in a product offered on KLDX, you will receive digital securities in your wallet instead of share certificates or fixed income certificates or any form of paper certificate as evidence of your financial interest in the asset. The ownership and related rights of these asset classes are recorded on a blockchain in an immutable and secure manner.

To qualify as an individual investor, you must be 18 years of age or older and pass our verification process.

For corporate investors, please refer to Q5 on the documents required to onboard as a corporate investor.

As part of our obligations to the Securities Commission Malaysia (SC), we are required to conduct KYC* and AML** checks to prevent money laundering and other abuses from occurring on our platform.

* KYC (Know Your Customer) is a standard in the investment industry, which ensures we can verify an investor’s identity and know his or her investment knowledge and financial profile.

**AML (Anti Money Laundering) checks refer to measures or controls aimed at uncovering efforts to disguise illicit funds as legitimate income through Malaysia’s financial system

To onboard as a Malaysian-based corporate investor, you will need the following documents, among others:

1) Constitution / Memorandum and Articles of Association

2) Notice of Registration and Certificate of Incorporation (Section 15 & Section 17) / Form 9

3) Certification of Incorporation on Change of Name of Company (Section 28 / Form 13)

4) Latest Notice of Registered Office (Section 14 / Form 44) / Latest Notification of Change in the Registered Address (Section 46(3))

5) Latest particulars of Directors, Managers and Secretaries (Section 14, Section 58 & 236(2) / Form 49)/ Particulars of Directors / Officers or Notification of Change in the Register of Directors, Managers and Secretaries

Contact us at support@kldx.com should you need help to be onboarded as corporate investor, including corporate investors from outside of Malaysia

To onboard as an individual investor, you simply need to submit the front and back copy of your NRIC or your passport (for foreigners).

Additionally, you would also need to submit your unedited selfie video during the KYC check.

At KLDX, investments are structured in many different ways. Potential returns correspond with the businesses’ unique offerings.

Some returns on investments will be paid out as a once-off while others will have recurring payments.

For the exact rights and returns you will receive, please refer to the White Paper published by the Issuer of the IEO Project.

As with all types of investments, there are risks associated with investing in digital securities. While some investments succeed and can bring substantial upsides to investors, some may not perform well.

At KLDX, we work hard to ensure that each applicant Issuer undergoes stringent due diligence checks and critical assessment, before they are approved to make offering on the KLDX platform.

Read more about investment risks here.

To sign up as an Investor on KLDX, simply follow the steps below:

1) Go to https://www.KLDX.com and click “Sign Up” as an Investor

2) Sign up with either your email address or with an existing Google account

3) Fill in your details as required on the online forms

4) Click on the verification link sent to your email address

5) Log in to your Investor Dashboard with the credentials you have just created

6) Complete your profile, from personal details all the way to declaration

• prepare your ID card to complete the verification

7) Once completed, you will be directed to your Investor Dashboard

8) You can see the tutorial here

Any individual or corporate entity can register to become an investor on KLDX.

Yes, you can.

However, the registration process for an Institutional Investor will be different.

Contact us at support@kldx.com for assistance to be onboarded as an Institutional Investor, including Institutional Investors from outside of Malaysia

Yes, you can take into consideration your assets outside of Malaysia.

Yes, you will be able to invest in products listed on KLDX but subject to your country restrictions with regard to overseas investments.

You will also need to provide the appropriate documentation so that we can verify your identity pursuant to our KYC as part of the account opening process.

Signing up on the KLDX platform is always free.

The fees payable by investors will be set out in the whitepaper accompanying the digital security made available for subscription

We have put in place the following investor safeguard measures:

Pre-Listing

– Know Your Customer (KYC) & Anti-Money Laundering (AMLA) checks on all Issuers
– Due diligence and critical assessment on every Issuer facilitated by reputable law firms and financial advisers

Post-Listing

– Reporting requirements of each Issuer including status of project, status of utilisation of IEO proceeds, latest audited financial statements
– The monitoring of corporate activities and developments for each Issuer to ensure their ongoing compliance with our Listing Rules

As part of the critical assessment and due diligence review conducted by KLDX, the Issuers shall undergo our credit assessment before their investment notes can be made available to our investors. A standard set of company and financial documents of the Issuer will be assessed by KLDX together with the credit reports from the credit rating agencies and/or credit bureaus. We also schedule site visits to the issuer’s business premises, if required.  Where necessary, we also refer to other available analytical tools/ reports to supplement our assessment.

For more information on the existing risk scoring mechanism used, please click on the following link: https://www.marconline.com.my/site/page?view=methodologies

All monies belonging to investors and issuers are kept in a segregated trust bank account operated by an independent trustee registered with the SC.

This is to ensure that all funds belonging to investors and issuers are safeguarded at all times. 

It is important to note that all funds belonging to the investor / issuer are held in investor / issuer segregated accounts with our banking partner, a fully licensed Malaysian bank. This means Investor funds are kept secure, independent of our operations at KLDX.

In the unlikely event of a cessation of KLDX’s business, arrangements will be made with a service provider to take over KLDX’s roles and obligations, including :

(a) facilitate payments between our Investors and Issuers;

(b) facilitate Investor’s instruction for the withdrawal of funds from the trust account; and

(c) facilitate handling of the digital securities

A default occurs when an Issuer fails to meet their financial obligations when they fall due or breaches the terms and conditions of the investment. For projects with specific payment terms, any payment delays would constitute a default. In addition, where an Issuer has been wound up, ceases to carry on its business or has a receiver or manager appointed, these events would also usually constitute a default under the terms governing the tokens. Events of Default for each issuance is specified in the respective White Paper.

When there is a default, a 30-day remediation period is given to Issuers to fulfil overdue payments, failing which, a Tokenholders Meeting will be held to get tokenholders’ decision on whether to extend the remediation period, or to call for an Event of Default. Depending on the nature of the default, feasibility, nature of security for the Tokens, issuer’s circumstances, factors such as the severity of default, potential for recovery, and impact on tokenholders, KLDX may evaluate and propose the following options for tokenholders’ decision. 

• Restructuring
• Selling of assets
• Appointing a Receiver and Manager 
• Legal Action

After the 30 days remediation period, if the overdue payment is still not paid, KLDX will call for a Tokenholders’ Meeting. Tokenholders will receive a notice by email providing information on the meeting as well as instructions on what to do before the meeting (such as registering on our partner’s e-voting platform).

On the meeting date, Tokenholders can then join the session and vote on the action to be taken, including whether to call for an Event of Default, agreeing to a restructuring proposal from issuer or any other proposed solutions, depending on the information provided in the email and during the session. The decision to call for an Event of Default requires Tokenholders’ approval by special resolution (passed at a meeting of tokenholders carried by a majority comprising not less than 75% of tokenholders present and voting).

If an Event of Default is declared, KLDX will then oversee and coordinate discussions with the Issuer and/or any other relevant parties to facilitate a fair, transparent, and efficient resolution. We will then convene another Tokenholders’ Meeting to discuss the options for the next steps that can be taken and for a decision on the preferred action. Tokenholders are encouraged to stay informed about the situation and actively participate in the decision-making process during and after the remediation period.

Each and every issuance that is eligible to be listed on our platform has undergone due diligence and critical assessment, based on both financial and non-financial parameters. However, regardless of the controls put in place, business and economic risks, amongst others, could result in delays or failure in payments.

When an event of default is declared, KLDX will undertake a discussion with the Issuer and/or any other relevant parties on the feasible actions that can be taken. Amongst the actions that can be taken are:

1. Restructuring of the outstanding amounts
2. Appointment of Receiver and Manager
3. Recovery from Sale of Securities
4. Litigation
5. Any other solutions which may be feasible 

Restructuring of the Project

If a restructuring is proposed, this could mean a restructuring of the amount, tenure or other terms of payment of the amounts outstanding. The restructuring proposal could also involve other elements, depending on whether third parties are involved, whether there are new assets being injected or provided as security or repayment by other means.  

Restructuring is a way to help the recovery process on defaulted payments and to increase the possibility of collections from the Issuer, compared to the process of litigation which is typically more lengthy and costly with no certainty of actual recovery of the payments due. 

Appointment of Receiver and Manager

Where there is a debenture provided as security over the business, a Receiver and Manager (R&M) may be appointed to take possession and control over, collect and sell the company’s assets and/or to carry on and manage the company’s business. A R&M would only be appointed if upon evaluation, the business is still viable to continue. 

Recovery from Sale of Securities

Where there are assets charged to secure the project, the charged assets may be sold to recover the outstanding amount owed to the tokenholders.

The proceeds recovered shall be held on trust for the tokenholders and applied in the following manner:

(a) First, in or towards the payment of fees, costs, charges and expenses;

(b) Second, in or towards the payment of taxes payable in connection with the project;

(c) Third, in or towards payment pari passu and rateably of all unpaid coupon/profit/dividend payments and late payment charges in respect of the project;

(d) Fourth, in or towards payment pari passu and rateably of all principal amounts due and unpaid in respect of the project; and

(e) Fifth, in payment of the surplus (if any) to the Issuer or other person entitled under law

It is necessary to note that recovery from sale of charged assets is a lengthy process and may involve additional cost from various parties. The proceeds recovered may also not fully cover tokenholders’ outstanding amount.

Legal Action

In the event all other options are not feasible, we may, upon instructions by the tokenholders at a tokenholders’ meeting, may commence legal proceedings in court against the Issuer. This process is costly and does not guarantee a recovery. 

Undertaking a legal action will incur fees. For certain projects, we may require that the Issuer deposit a sum of money in an account to be used strictly by the Investment Note Agent in carrying out its duties in the event of an event of default or the enforcement of rights and remedies in relation to recovery. Where this is insufficient or if there is no such reimbursement sum provided by the Issuer for the particular project, we will request for a proportionate contribution towards such legal fees and charges from tokenholders. Such contribution to legal fees, once approved by a tokenholders’ meeting, may be apportioned according to investor’s percentage holdings of the tokens and deducted from investors’ accounts accordingly. 

The duration of the recovery process varies based on factors such as the complexity of the default, legal processes involved, and the cooperation of involved parties. Tokenholders will be kept informed of the progress throughout the recovery process.

For further assistance or clarification, Tokenholders can contact our customer support team at support@kldx.com or refer to the announcements of the respective Issuers on our platform.

The main currency for investments on the KLDX platform is the Malaysian Ringgit.

We do not accept any other currency at the moment.

The (indicative) returns on investment differs from Issuer to Issuer and by the type of investment opportunity.

Further details on the (indicative) returns may be found in the White Paper published by the Issuer for each IEO Project.

Yes, Investors are charged up to 1.5% of the subscription amount. However, effective 18 April 2023, this fee is waived for all investors until further notice.

Yes, a dividend and coupon distribution fee of up to 2% of the distributed amount is charged to Investors. This fee is deducted from the amount received.

Yes, the service fee imposed up to 2% of the amount received by investors from the Issuer other than dividends and coupons.

Coupon, profit and dividend payments will be deposited directly into your KLDX Wallet. 

It could take up to two business days for funds transferred to be reflected in your KLDX account.

Submission of withdrawal request can be done via KLDX investor portal. You will need to add in your bank account details before you make a withdrawal.

Generally, funds withdrawn from your KLDX account will be credited into your bank account within one (1) to two (2) business days.

However, it may take up to fourteen (14) business days if your bank account is out of Malaysia. 

We don’t charge any fee for deposit or withdrawal of funds into / from your KLDX account. However, bank fees/ charges may be applicable on outward funds transfer, inward funds transfer and / or telegraphic transfer. Please refer to your bank on queries related to bank fees/ charges. 

We don’t limit the amount you can deposit or withdraw from your account. However, the banks and e-wallets may impose limits on the transfer of funds. Please check directly with your bank or w-wallet providers on queries related to the daily transfer limit. 

No. We do not accept funds from third-party bank accounts/ e-wallets. You can only fund your KLDX account with your own bank account/ e-wallet (the bank/ e-wallet account holder name must match with the name of your KLDX account).

Any transfers using third-party accounts will be rejected by KLDX. 

No. You can only withdraw your funds to your own bank account (the bank account holder name must match with the name of your KLDX account). 

Any withdrawal of funds to third-party’s bank accounts will be rejected by KLDX.