[email protected]
Funding Team: +60 18-282 8224
General Line: +60 18-777 7000
Investor Login
Business Login

In CapBay, security and safety is our utmost priority for our clients and investors.

Online Security Tips

  1. Make sure the URL has a padlock symbol “” displayed to indicate a secured website.
    Note: The correct URL for CapBay is https://capbay.com/
  2. Be careful of third-party loan/financing companies offering personal loans via WhatsApp/WeChat/Facebook/SMS (or any other mobile chat applications).
  3. Do not pay any administration fees, processing fees, or insurance fees to third-party accounts in anticipation of faster loan/financing approval or for any investment opportunities or schemes.
    PLEASE NOTE that CapBay does not appoint or authorize any of its personnel or agents to solicit any administration/processing fees, upfront fees, or any sales commission payments for any loan, financing applications, or investments. CapBay personnel or agents will never ask you to remit any form of payment to their personal bank accounts.
  4. Do not click on links or open email attachments from unknown/unreliable senders/sources.
    Note: Emails from CapBay will always end with @capbay.com such as [email protected]
  5. Do not share your personal details, banking account information, or documents (such as copy of NRIC, EPF statement, bank account statement, etc) through WhatsApp/WeChat/Facebook/SMS (or any other mobile chat applications) when applying for a loan or financing.

Beware of LOAN SCAMS

Loan scams are usually advertised to the victims via social media platforms, email, SMS, or unsolicited calls. The scammers will claim to be from a legitimate and licensed money lender offering low-interest rates to deceive unsuspecting victims.
Don’t be the next victim! If the loan deal is too good to be true, it probably is.

Further information on licensed money lenders can be obtained at: https://www.kpkt.gov.my/index.php/pages/view/585

Beware of INVESTOR SCAMS

Investor scams are schemes designed to deceive individuals into making fraudulent investments with the promise of high returns or exclusive opportunities. These scams can take various forms, including Clone Firm Scams, and Ponzi Schemes.

Clone Firm Scam

Scammers provide fake investment advice through online platforms, including WhatsApp and Facebook, misusing and misrepresenting the names of public-listed companies, established brokers, and regulatory authorities. These scammers get their victims to invest their money, but the victims never receive any returns.

Ponzi Scheme

A Ponzi scheme is a type of investment scam where scammers promise high rewards with low risks investments. The scam generates returns for early investors by passing on investing funds from enticing new investors. This scheme resembles a pyramid structure, where the initial investors obtain funds, whilst the newer ones eventually lose as they pay the returns of investors above them in the pyramid.

How to protect yourself?

An informed investor is a protected investor.
Characteristics of Illegal Investments/Scams

Be Sceptical of High Returns:

Be wary of schemes that guarantee high returns on your investment in a short period of time. For example, an offer that claims you can invest RM300 and receive RM10,000 within 12 hours is a clear red flag.

At CapBay, our investment opportunities are thoroughly vetted and designed to provide sustainable returns over a reasonable time frame. We do not make unrealistic promises or guarantees of instant high returns. Remember, if it sounds too good to be true, it probably is.

Promotion through Social Media Platforms:

Exercise caution with investment opportunities promoted through social media platforms like Facebook and Instagram. Scammers often use these channels to lure unsuspecting investors.

At CapBay, we only promote our investment opportunities through our official social media platforms and websites. For your safety, please refer to our verified accounts:

If you encounter any investment promotions outside of these official channels, they are likely to be scams. Be wary of the following examples of potential scam scenarios:

  • Email solicitations
    CapBay does not send unsolicited emails with investment offers. Always check that emails come from our official domain (“@capbay.com”) before responding.
  • Fake websites
    Ensure that you are visiting our official website (https://capbay.com/). Fraudulent sites may mimic our branding to deceive investors.
  • Messaging apps
    1. We DO NOT have a Telegram account and therefore we do not promote our investment opportunities through Telegram.
    2. Our promotions are only conducted through our official WhatsApp channel: https://www.whatsapp.com/channel/0029VacyJCvEVccG0jjS0s40.
    3. Any promotions received through other messaging channels should be treated with suspicion.

Advertised as “Limited-Time-Only” Opportunities:

Avoid feeling pressured into making quick investment decisions. Scammers often create a sense of urgency by presenting their offers as “limited-time only” to rush you into committing without proper consideration.

At CapBay, while we do run campaigns with limited-time offers that typically range from 4 to 5 months, where the first one or two months will be for investors to deposit their investments and a 90-day lock-in period to secure their investments and receive their reward after, these campaigns are solely announced through our official platforms, which also include email marketing, SMS marketing, and WhatsApp blasts through our official WhatsApp channel: https://www.whatsapp.com/channel/0029VacyJCvEVccG0jjS0s40

Verify information:

Check information from established sources before investing. Refer to official alert lists provided by regulatory authorities such as the Securities Commission of Malaysia (SC), which can be obtained at: https://www.sc.com.my/investor-alert-list

Invest via Licensed and Authorised RMOs:

Only invest via licensed and authorised Recognised Market Operators (RMOs) authorised by the Securities Commission of Malaysia (SC). Refer to SC’s list of regulated fintech players, which can be obtained at: https://www.sc.com.my/development/digital/digital-initiatives

Verifying Banking Details:

Before making any deposits or investments, always ensure that you are depositing funds into a legitimate individual or entity’s account. Be cautious of accounts that seem unrelated or unfamiliar, as they may be what’s known as “mule accounts”.

Check Polis Diraja Malaysia (PDRM)’s “Semak Mule” portal to verify whether the bank accounts and telephone numbers have been reported to the police: https://semakmule.rmp.gov.my/

Validate Certificates/Documents:

When presented with certificates or documents from authorities, take the time to verify their authenticity. Thoroughly examine the details to make an informed investment decision.
What to do if you suspect an investment scam?

  • Please notify us immediately if someone is found impersonating CapBay. You can reach us at our email: [email protected] or our Investment Team at +60 18-777 7000.
  • Alternatively, if you suspect you have been scammed, promptly report it to SC at [email protected] or 03-6204 8999. You can also reach out to Bank Negara Malaysia (BNM) Fraud Alert at 1-300-88-5465 or email them at [email protected].

If you have been receiving suspicious emails or encountered any suspicious calls from CapBay, please reach out to us immediately to clarify your doubts

Phone: +03 7663 8288

Email: [email protected]