Rate Card · Effective Q2 2026

Hire an AI workforce that already knows ANGKASA lending.

Every plan includes the full workspace, training tools, complete audit trails, and client-siloed memory. Your data is never shared with other lenders. Pricing in Ringgit Malaysia — no hidden fees, no per-loan charges.

For licensed money lenders, koperasi, and ANGKASA code-deduction lenders in Malaysia

The Workforce

Seven Officers. One standard of work.

Every Officer has a personality, a voice, and clear boundaries. Upgrade any Officer to Director tier for greater capacity and wider autonomous authority.

Underwriter

Reviews · risk

Coming soon

Operations

Processing · disbursement

Coming soon

Sales

Leads · conversion

Coming soon

Customer Support

Members · service

Finance

Loan book · portfolio

Investor Relations

Reports · stakeholders

Coming soon

Compliance

KPKT · BNM · audit

Plans

Pick a tier by the size of your book.

You choose a tier based on how many Officers you need. Move up any time — your Officers carry their training and memory with them.

Starter

New & small

New and small licensed moneylenders

RM 3,899/mo

≈ USD 830/mo

Officers: 1 — your pick
Included BT: 1,000 BT/mo
Workspace users: 2
Channels: Telegram (WhatsApp soon)
Support: Email · 24h

Get started

Growth

Full operations

ANGKASA code holders and established koperasi

Launching soon

The HR & Finance full team — support, investor reporting and compliance Officers join your workforce.

Scale

Intelligence edge

Multi-branch koperasi

Launching soon

Performance scale for multi-branch lenders — a Director joins the workforce, with 10,000 BT of monthly capacity.

Enterprise

Institutional

Banks, DFIs and government-linked lenders

Launching soon

Enterprise deployment by contract — unlimited seats, the full Director workforce and bespoke integration.

BT — Bolehlah Tokens, the platform usage unit (1 BT = RM 1). Your monthly allowance covers decisions, screenings and officer work; top up any time.

USD shown for reference only at RM 4.70 = USD 1, reviewed quarterly. All billing in MYR.

Launch programme

What's coming next

Coming soon

Growth tier — Sales + Operations

The Growth tier opens: the Sales and Operations Officers join the workforce and unlock the full digital loan-application journey for your members.

Coming soon

Enterprise tier — Investor portal

The Enterprise tier opens: the Investor portal and the Investor Relations Officer arrive — raise and report capital with confidence.

In Detail

What's included, side by side.

Feature	Starter	GrowthComing soon	ScaleComing soon	EnterpriseComing soon
AI Workforce
Officers included	1 (your pick)	3 (your pick)	5 (your pick)	All 7
Director upgrades	Add-on	Add-on	1 included	All included
Capacity
Monthly BT allowance	1,000 BT/mo	4,000 BT/mo	10,000 BT/mo	Negotiated in contract
Allowance alerts	We notify you at 85% usage and recommend the right upgrade — no surprise bills.
Workspace
Users	2	5	15	Unlimited
Audit trails	Complete, exportable, on every tier
Client-siloed memory	Your data is never shared with other lenders — on every tier
Channels
Member channels	Telegram (WhatsApp soon)	Telegram · web portal	+ Email	All + Voice AI (roadmap)
Compliance & Security
Regulatory alignment	Built for the Moneylenders Act 1951, ANGKASA / eSPGA workflows, and PDPA — on every tier
Support
Response SLA	Email · 24h	Chat · 8h	Dedicated CSM · 2h	Dedicated team · 30min

Officer Menu

Hire Officers à la carte.

Add any Officer to any plan. Director tier carries roughly double the capacity and defined autonomous authority — every action stays inside limits you set, with a full audit trail.

Officer	Monthly	USD ref.	What they do
Underwriter	Launching soon		Reviews applications, scores risk, checks DSR and eligibility
Operations	Launching soon		Handles processing, documentation, and disbursement prep
Sales	Launching soon		Qualifies leads, nurtures applicants, drives conversion
Customer Support	RM 2,299	$489	Answers member questions across every channel, around the clock
Finance	RM 3,299	$702	pricing.menu.officer.fi.desc
Investor Relations	Launching soon		Prepares stakeholder reports, board packs, and member updates
Compliance	RM 4,499	$957	Monitors regulatory obligations, flags exceptions, keeps audit-ready records

À-la-carte Officers can be added to any package or subscribed on their own; rates are billed monthly in Ringgit Malaysia.

Your Numbers

See what a tier returns on your book.

Built on the four value drivers for ANGKASA code-deduction lending: faster eSPGA turnaround, fewer rejected submissions, edge-case recovery, and processing labour saved.

Loan book size (RM)

New applications per month

Average loan size (RM)

Processing staff today

Compare against tier

Indicative monthly value

Capital velocity — modelled at 1.4 days faster disbursement (eSPGA 3.8d → 2.4d assumption)

RM 5,717

Fewer rejected submissions — model assumes rework falls from 5% to 1%

RM 630

Edge-case recovery — death, dismissal, retirement, cap-breach flags

RM 14,583

Processing labour saved

RM 9,450

Total indicative value / month

RM 30,380

7.8× return on your monthly subscription. Payback inside the first month.

Indicative model for discussion only — assumes typical ANGKASA book yield and salary-deduction repayment behaviour. Your Bolehlah consultant will calibrate this against your actual portfolio data before any commitment.

The Fine Print, Plainly

How billing works.

Billed in Ringgit. No metering games.

Your subscription covers everything in your tier. No per-loan fees, no per-decision charges. When you approach your BT allowance, we tell you at 85% and recommend the right next step — usually a Director upgrade, not a penalty bill.

Annual saves 10%, applied automatically.

Choose annual billing and the discount is applied to every invoice — tiers and à la carte Officers alike. Move up a tier mid-term and we pro-rate the difference. You're never locked into a tier that no longer fits your book.

Onboarding is a conversation, not a fee table.

Implementation, data migration, and team training are scoped to your book and your systems. Talk to us and we'll quote it plainly before you sign anything.

Your members deserve answers in days, not weeks.

Walk through the rate card with us, see the Officers work on a live sandbox, and get a calibrated ROI model for your actual book.

Book a walkthrough