The Malaysian central bank has launched a three-year campaign to test the tokenization of real assets, with the aim of moving experiments from concepts to live experiences.
the He plans It identifies pilots and proof-of-concept programs that regulators and industry will work on together over the next few years.
Malaysia: Digital Asset Innovation Hub Moves into Action
Based on the reports, Bank Negara Malaysia (BNM) and the Securities Commission to establish a Digital Asset Innovation Center and an industry working group to guide projects.
The center will host pilot programs on things like supply chain finance for small and medium-sized enterprises, Sharia-compliant finance, and green or ESG-linked tools.
These are the first use cases highlighted by BNM. The goal is to test ways in which token assets might improve access to funds and make settlement more straightforward for small businesses.
Insight: The Central Bank of Malaysia launches a 3-year asset tokenization roadmap.#Real world origins #coding #Digital assets #Rowa #BioChain pic.twitter.com/PuCu1Uizej
— Baiyun Series | Real World Asset Tokenization (RWA) (@pione_chain) November 1, 2025
A three-year roadmap with pilots starting in 2026
Reports revealed that the roadmap lasts for three years and indicates proof of concept and pilot testing in 2026, with broader trials planned for 2027.
The industrial consultation is open until March 1, 2026, giving companies the opportunity to submit comments on technical rules and designs.
Regulators are studying how token deposits work stablecoinsEven links to wholesale central bank digital currency may fit into existing systems. How these pieces will work together has not yet been determined.
There are practical questions that remain. Will token assets be traded on public blockchains or in permissioned systems? How will legal ownership be recorded when the asset is split into tokens?
Based on the reports, regulators want to protect retail investors while still allowing companies to test real-world use cases. This balance will be crucial.
Focus on SMEs and Sharia financing with risk monitoring
This push could open up new financing methods for SMEs, help facilitate cross-border settlements, and advance Islamic finance structures in tokenized form. But it also involves risks. Market integrity, consumer protection and operational flexibility will need careful examination.
Regulators are expected to put in place guardrails before any major launches. Some observers say the move is aimed at positioning Malaysia itself alongside other regional centers that are exploring Coding.
Regulated companies, fintech startups, banks and asset managers are invited to participate. Based on the reports, the initiative will run pilot projects, collect data, and then formulate formal rules. This process may take three full years, depending on the results and comments.
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