Malaysia Asset Tokenisation Roadmap: BNM’s 3-Year Plan to Build a Digital Asset Innovation Hub

**Malaysia Asset Tokenisation Roadmap: BNM’s 3-Year Plan to Build a Digital Asset Innovation Hub**

Bank Negara Malaysia (BNM) has kicked off a three-year programme to test real-world asset tokenisation. A newly released roadmap aims to explore how blockchain-based tokenisation can transform Malaysia’s financial landscape — from Islamic finance to supply chain management. The central bank is currently gathering industry feedback, with submissions open until March 1, 2026.

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### Malaysia’s 3-Year Plan for Tokenisation

BNM recently published a Discussion Paper on Asset Tokenisation to collect feedback from the financial and technology sectors. The objective is to establish a **Digital Asset Innovation Hub** and an industry working group to investigate practical applications of tokenisation in financial systems.

The roadmap follows a clear, phased approach over three years:

– **2026:** Focus on proof-of-concept and pilot testing to identify viable solutions.
– **2027:** Expansion of pilot projects into larger-scale trials, guided by early results and stakeholder feedback.
– Stakeholders are encouraged to share ideas and use cases by **March 1, 2026**.

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### Focus Areas and Selection Criteria

BNM’s working group will prioritize use cases in key sectors such as:

– **Supply Chain Finance:** Using tokenisation to enhance transparency, traceability, and speed of payments.
– **Islamic Finance:** Leveraging blockchain to create more efficient and transparent Shariah-compliant financial products.

However, BNM emphasizes that not all ideas will qualify. Projects must:

– Demonstrate tangible real-world benefits.
– Use blockchain technology only when it is the most suitable solution.
– Be technically feasible within Malaysia’s existing infrastructure.

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### Why Malaysia Is Exploring Tokenisation Now

BNM aims to address real-world challenges with tokenisation. One primary focus is tackling Malaysia’s **RM101 billion SME financing gap** by converting invoices into digital tokens. This innovation can enable small businesses to access faster and cheaper loans.

Additionally, tokenisation will be applied to Malaysia’s leading **Islamic finance market** (valued at RM2.4 trillion). For example, tokenized sukuk and smart contracts can automate payments, boost liquidity, and maintain full compliance with Shariah principles.

Sustainability is another important area. Tokenized green bonds could link payments directly to verified climate outcomes, reducing greenwashing and increasing investor confidence in Malaysia’s rapidly growing ESG sector.

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### Looking Ahead

With this comprehensive and structured plan, BNM aims to bridge innovation and practicality. The central bank’s initiative positions Malaysia to become a regional leader in regulated digital finance, fostering inclusive growth and technological advancement.

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**FAQs**

For more details on Malaysia’s crypto regulations and the broader digital asset landscape, see our related articles.

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*Have feedback or ideas for asset tokenisation use cases? Submit your input to BNM by March 1, 2026.*
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