This Campaign is open to all individual investors who meet the following criteria:
Note: Corporate investors and CapBay employees are not eligible to participate in this campaign.
1. Sign Up – Visit our website or download the CapBay P2P Invest App on iOS or Android to register.
2. Verify Your Account – Complete KYC verification and wait for approval.
3. Deposit Funds – Once approved, top up a minimum of RM10,000 to start investing.
4. Manual Investment – Skip selecting a risk profile under Auto-Invest and go to New Opportunities to browse available notes.
5. Confirm & Invest – Choose your preferred CapBay Assure Notes and click Invest. ✅ Done!
If you prefer automation, select either a Moderate or Conservative risk profile to have a portion of your funds allocated to CapBay Assure Notes.
Even with Auto-Invest, you can manually invest in CapBay Assure Notes anytime if you have RM1,000+ in Available Cash Balance.
1. Log In – Access your account via the website or P2P app.
2. Check Your Risk Profile –
3. Take Full Control – If you prefer manual investments, turn-off Auto Invest by unselecting your risk profile.
4. Ensure Sufficient Balance – Make sure you have at least RM1,000 in Available Cash Balance.
5. Invest – Go to New Opportunities, select a CapBay Assure Note, and confirm your investment. ✅ All set!
CapBay initially processes the guarantee. If it is not fulfilled within 90 days, a designated Guarantee Company will step in to settle the claim without further assessment.
If an issuer defaults, the Guarantee Company purchases the affected investment note from investors and assumes the right to recover the outstanding amount. This mechanism enhances investor security and mitigates risks.
No, investments cannot be withdrawn before maturity, as they are tied to specific financing arrangements. However, most investment notes have short tenures (3–6 months), allowing for quicker capital turnover. Repayments follow a scheduled timeline and may include periodic principal and interest payments.
No, delays do not directly impact investors. If an issuer delays payment, they may incur late fees, and our collections team will take action. In cases of prolonged delays or defaults, legal enforcement and the Guarantee Company help ensure investor protection.
While CapBay Assure Notes are backed by a designated Reserve Fund, there is still a risk that multiple defaults within a short period could deplete the fund. In such cases, you may receive less than your initial investment. However, CapBay will take the necessary recovery measures to return the principal and interest to investors. Additionally, the issuance of new CapBay Assure Notes will be suspended until the Reserve Fund’s coverage ratio is restored. To date, the Reserve Fund has not been utilized, as there have been no defaults.
CapBay Assure Notes offer both Shariah-compliant and conventional investment options, allowing investors to choose based on their preferences. However, the majority of CapBay Assure Notes are Shariah-compliant.
If you have not selected a risk profile (Conservative, Moderate, or Aggressive), Auto-Invest is already off. If you have selected a risk profile, go to Auto-Invest settings, scroll down, and click Unselect to turn it off.
No, our algorithm ensures fair allocation among Auto-Invest users with Moderate and Conservative risk profiles. Additionally, we reserve sufficient CapBay Assure Notes for investors who prefer manual investing.
You will receive daily emails with new investment opportunities, including CapBay Assure Notes. These emails specify the exact time of issuance, which may vary. All CapBay Assure Notes remain open for manual investment until 11 PM.
No, you need at least RM1,000 in Available Cash Balance to manually invest. If your balance is below this amount, you can only invest once your lock-in period ends and your released funds bring your balance to RM1,000 or more.
