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Deputy Finance Minister Lim Hui Ying said the Finance Ministry is driving reforms to ensure that the property ecosystem, from valuation to financing, is integrated with verified data and secure transaction systems, strengthening investor confidence and protecting consumers.
“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.
“We are creating a market environment where both opportunities and responsibilities move together. Transparency becomes a foundation, not an afterthought,” she said during the launch of PaymentXchange here on Wednesday.
PaymentXchange is an industry-endorsed transparent property payment platform focused on deposit protection, accountability and compliance practices for the Malaysian real estate market.
It is developed and operated by Infomina Geolytik Sdn Bhd and operates in tandem with ValuationXchange for a connected buyer-bank-valuer ecosystem, enabling an optional, streamlined loan and valuation journey.
Lim said fragmented and manual property transactions have long created inefficiencies, prolonged approvals and exposed the system to potential fraud.
Meanwhile, she said the initiative is in line with the government’s fiscal priorities ahead of Budget 2026, which focus on tightening governance, reducing leakages and promoting private sector-led innovation that complements national development goals.
She also cited the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA) and Risk Management in Technology (RMiT) framework as key safeguards to ensure financial integrity, verifying identities and tracing funds moving through the property and financial ecosystems.
She added that a digitally verifiable property market would enhance Malaysia’s global standing as a transparent and credible investment destination, especially at a time when international investors prioritise regulatory confidence and market integrity.
Meanwhile, Infomina Geolytik said in a statement that PaymentXchange connects property buyers with registered real estate agencies, ensuring deposits flow into the agencies’ verified accounts powered by Chip Asia, a Bank Negara Malaysia-approved payment gateway.
It said this provides audit-ready visibility and reconciliation for stakeholders while supporting anti-money laundering and counter-financing of terrorism good practices, as well as consumer protection.
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