Invest RM10,000, switch on Auto-Invest, and get a chance earn up to 1.5% p.a. on top of your average 8.1% p.a. net returns.
Five steps between you and your quarterly payout.
The Additional Return is calculated daily and credited automatically.
Invest & switch on Auto Invest
Reach RM10,000 in cumulative investments during the Campaign Period (17 Aug – 30 Sep 2026) and turn Auto-Invest on.
→Net Investment Amount locked in
That amount becomes your fixed Campaign Net Investment Amount — the base for every Additional Return calculation.
→Return accrues daily
1.5% p.a. accrues on your Campaign Net Investment Amount for every day Auto-Invest stays switched on.
→Off days pause, don’t reset
Switch Auto-Invest off and accrual simply pauses. It resumes the day you switch it back on.
→Paid every quarter
Credited automatically to your CapBay account on Jan 2027, April 2027, July 2027 and Oct 2027.
See what a year of holding is worth.
Formula: Campaign Net Investment Amount × 1.5% ÷ 365 × number of days Auto-Invest was on.
Credited automatically to your CapBay account via the Quarterly Payout Dates, provided your portfolio balance stays at or above your Campaign Net Investment Amount.
How much can you earn over a full 12 months?
Based on a full, unbroken 365-day investment meeting all eligibility criteria.
| Campaign Net Investment Amount | Additional Return (full 12-month) |
|---|---|
| RM10,000 | RM150 |
| RM20,000 | RM300 |
| RM30,000 | RM450 |
| RM50,000 | RM750 |
| RM100,000 | RM1,500 |
One rule is forgiving. The other isn’t.
Not all interruptions are equal — here’s exactly what pauses your Additional Return, and what ends it for good.
Pausing Auto-Invest
Turning Auto-Invest off simply pauses accrual. There’s no disqualification — accrual resumes the moment you switch it back on.
Switch off for a few days, then back on: accrual pauses, then resumes as normal, no drop in Net Investment Amount, no restart.
Balance below Net Investment Amount
If a withdrawal ever drops your portfolio balance below your Campaign Net Investment Amount, the Additional Return stops accruing for good — even if you top up again later.
If your campaign Net Investment Amount is RM30,000, please maintain your portfolio balance at RM30,000 or above throughout the campaign period. Any withdrawal that brings your balance below your campaign Net Investment Amount may affect your reward eligibility.
See how different scenarios play out.
A quick reference for what keeps your Additional Return accruing — and what stops it.
| Scenario | Deposit Min. RM10,000 During Campaign | Maintains Balance & Auto-Invest | Bonus Return Status |
|---|---|---|---|
| Investor deposits RM12,000 during the campaign, keeps Auto-Invest ON, and maintains a balance of RM12,000+ for the full year. | ✅ | ✅ | ✅ (Earns full return) |
| Investor deposits RM15,000, turns Auto-Invest OFF for 5 days, but never lets the balance drop below RM15,000. | ✅ | ✅ | ✅ (Paused for 5 days, but resumes) |
| Investor deposits RM5,000 in August and another RM7,000 in September (during the campaign period). | ✅ | ✅ | ✅ (Clock starts once cumulative hits RM10k) |
| Investor deposits RM30,000, but later withdraws funds, causing their portfolio balance to fall below RM30,000. Even if they subsequently top up their portfolio to RM33,000, the reward eligibility will not be restored. | ✅ | ❌ | ❌ (Bonus stops permanently after the drop) |
| Investor deposits RM6,000 during the campaign period, and tops up RM10,000 in October after the campaign has ended. | ❌ | ❌ | ❌ (Never qualified) |
A platform worth recommending.
Your investment only pays off if the product is genuinely good. Here’s what makes CapBay P2P Invest stand out.
High, Predictable Returns
Average net returns of ~8.1% p.a. driven by SME repayments — not market swings. Low volatility, consistent income.
Short Lock-In Periods
3–6 month tenures keep your capital flexible compared to traditional fixed-income alternatives.
AI-Driven Auto-Invest
Automated diversification spreads your portfolio across multiple SME notes based on your risk profile.
Shariah-Compliant Options
Certified by a recognised Islamic body. Both the platform and MTrustee Berhad are Shariah-compliant.
Licensed & Regulated
Overseen by Securities Commission Malaysia
Secure Fund Custody
Investments held with Malaysian Trustees Berhad
Strong Track Record
Over RM2.6 billion invested successfully
Globally Recognised
Featured on CNBC, Financial Times & Fortune
Your quarterly payout schedule.
First payout
Additional Return credited to qualifying CapBay accounts.
Second payout
Additional Return credited for the second quarter.
Third payout
Additional Return credited for the third quarter.
Fourth payout
Final payout for investors who held their full 12-month Earning Period.
Open to new and existing investors.
- ＋ Any new or existing CapBay P2P investor.
- ＋ Reach a minimum RM10,000 cumulative investment amount during the Campaign Period (17 Aug – 30 Sep 2026), tagged with the campaign code.
- ＋ Switch on Auto-Invest.
- ＋ Maintain your Campaign Net Investment Amount throughout your 12-month Earning Period.
Not eligible
- − Permanent and contract employees of Bay Group Holdings Sdn Bhd
- − Corporate Special investors
Everything about how the reward works.
What is Hold & Harvest?+
Hold & Harvest rewards you for staying invested with CapBay. Invest at least RM10,000 during the Campaign Period, keep Auto-Invest switched ON, and maintain your required portfolio balance to earn an additional 1.5% p.a. on your Campaign Net Investment Amount, on top of your regular Note returns.
Who can participate?+
The campaign is open to new and existing CapBay P2P investors, except:
- Permanent or contract employees of Bay Group Holdings Sdn Bhd
- Special investors with institutional arrangements
- Corporate investors
How do I qualify?+
You need to:
- Invest at least RM10,000 cumulatively during 17 August – 30 September 2026.
- Quote the campaign code provided in your CapBay app or communications.
- Keep Auto-Invest switched ON.
- Campaign Code: HNH2026
There is no separate application or claim form.
Do my existing investments count towards the RM10,000 qualifying amount?+
No. Only new investments made during the Campaign Period count towards the qualifying amount. However, your existing investments form part of your total portfolio balance, which must be maintained according to the campaign requirements.
Example:
Pre-campaign portfolio: RM10,000
Campaign Net Investment Amount: RM20,000
Total portfolio balance: RM30,000
The 1.5% p.a. bonus is calculated on the RM20,000 Campaign Net Investment Amount.
You must maintain a total portfolio balance of at least RM20,000. For example, if you withdraw more than RM10,000, your total portfolio balance would fall below RM20,000, and you would no longer meet the campaign’s portfolio maintenance requirement.
Can I invest more than RM10,000?+
Yes. You can invest more than RM10,000 during the Campaign Period. Your Campaign Net Investment Amount will be based on your cumulative qualifying investments once you reach the RM10,000 threshold.
The more you invest, the more you earn.
What is my Campaign Net Investment Amount?+
Your Campaign Net Investment Amount is the total amount you invest during the Campaign Period when you first reach RM10,000. For example:
- 20 Aug: Invest RM5,000
- 25 Sep: Invest RM7,000
- Total campaign investments: RM12,000
Your Campaign Net Investment Amount is RM12,000, and your Qualification Date is 25 September 2026. This amount is then fixed for calculating your Additional Return.
When does my 12-month Earning Period start?+
Your 12-month Earning Period starts on your Qualification Date — the date your cumulative campaign investments first reach RM10,000. Investing RM5,000 alone does not start the 12-month period; the clock starts once your cumulative campaign deposits reach at least RM10,000.
How much Additional Return can I earn?+
You can earn up to 1.5% p.a. additionally on your Campaign Net Investment Amount. For example, with a Campaign Net Investment Amount of RM20,000:
RM20,000 × 1.5% = RM300
You could earn up to RM300 in Additional Return over 12 months, subject to meeting all campaign requirements throughout the Earning Period. This is on top of your regular Note returns.
How is my Additional Return calculated?+
The reward accrues based on the number of eligible days: Additional Return = Campaign Net Investment Amount × 1.5% ÷ 365 × Eligible Days. The reward accrues daily but is paid quarterly.
What happens if I turn Auto-Invest OFF?+
Your Additional Return pauses while Auto-Invest is OFF. Once you switch Auto-Invest back ON, accrual can resume, provided you have not breached the required portfolio balance. You simply won’t earn the Additional Return for the days Auto-Invest was OFF.
Can I withdraw money during the Earning Period?+
Yes. However, you must maintain your total portfolio balance at or above your Campaign Net Investment Amount throughout the Earning Period.
For example, if your Campaign Net Investment Amount is RM30,000, you must maintain a portfolio balance of at least RM30,000. If your portfolio balance falls below RM30,000, your Additional Return will stop accruing permanently from the date of the breach. Topping up your portfolio later will not restore your eligibility.
What happens if I top up after breaching the balance requirement?+
Topping up does not restart the Additional Return. For example:
- Campaign Net Investment Amount: RM15,000
- Campaign Net Investment Amount falls to RM7,000 → reward stops permanently
- You later top up to RM16,000 → reward does not resume
Any reward accrued before the breach is retained.
Is turning Auto-Invest OFF the same as breaching my portfolio balance?+
No.
| Auto-Invest OFF | Portfolio below Campaign Net Investment Amount | |
|---|---|---|
| Effect | Reward pauses | Reward stops permanently |
| Can reward resume? | Yes | No |
| Topping up restarts reward? | Not applicable | No |
What if I invest in multiple installments?+
That’s allowed — your investments during the Campaign Period are cumulative. Example:
| Date | Investment Amount | Cumulative Investment Amount | Status |
|---|---|---|---|
| 20 Aug 2026 | RM5,000 | RM5,000 | Not qualified |
| 25 Sep 2026 | RM7,000 | RM12,000 | Qualified |
Your Qualification Date is 25 September 2026, and your Campaign Net Investment Amount is RM12,000.
Can I participate in other CapBay campaigns?+
Yes. You can participate in other CapBay campaigns at the same time, provided you meet the respective eligibility requirements and terms and conditions of each campaign.
Let your money grow while you hold.
Invest RM10,000, switch on Auto-Invest, and let the quarters do the rest.