KUALA LUMPUR: Malaysia has a new way to invest in property. Wahed, the global Islamic fintech platform backed by Saudi Aramco’s Wa’ed Ventures and Qatar Development Bank, launched the country’s first fractional real estate investment platform. Starting from as little as RM500 with no mortgage required, the platform gives any retail investor in Malaysia the ability to own a share of a residential property, collect quarterly rental income, and participate in capital appreciation on exit.

No other platform has offered fractional real estate investment to retail investors in Malaysia under SC regulation before this.

Wahed X Sdn Bhd is a registered market operator with the Securities Commission Malaysia and one of six participants selected for the SC’s inaugural Regulatory Sandbox, announced in November 2025 and operational since March 2026. The programme provides a supervised environment for innovative capital market products to be tested under direct SC oversight, with defined disclosures and investor protections in place throughout.

“We have spent the past year building this product the right way. Now, we are finally offering it under SC’s Regulatory Sandbox because we believe that trust is key to any new asset class.” said Zayan Yassin, CEO of Wahed Malaysia

“Malaysian investors have understood property for generations, but an increasing number today are priced out of the market. A deposit alone requires hundreds of thousands of ringgit, often tying buyers to a 30-year mortgage with interest payments that go against their values. We are solving both the affordability and the hassle. The pilot result told us the market was ready. Today we open it to everyone.”

The platform is now live at wahed.com/my/real-estate. Signing up takes a few minutes. Investors browse available properties, review independent valuations and projected rental yields, choose where they want to put their money and invest. Wahed handles everything else: acquisition, property management, tenant sourcing and quarterly distributions, leaving investors with none of the administrative burden that comes with owning property.

Wahed recently completed a closed pilot deal for a residential unit at Southkey Mosaic in Johor Bahru. The deal successfully raised RM1.028 million from 928 investors in just six days, with an average commitment of approximately RM1,100 per investor.

“Malaysia has always had a strong property investment culture, and making it easier for people to access this asset helps enhance the market. What the pilot showed us is that the appetite is real. Close to a thousand investors committed in under a week. It’s not because this is a novel concept but because it removes the financial barrier.” said Mohsin Siddiqui, group CEO of Wahed.

 “A Shariah-compliant stake in a real, income-generating property, selected by the investor, with full visibility on the numbers before any money moves. That has not been available in this market before.”

Wahed Real Estate lets investors select the specific property they want exposure to before making an investment. Independent valuations, projected rental yields, holding period and all associated fees are disclosed upfront. Once a deal is funded, investors receive fractional ownership in the property proportional to the amount they invested.

Returns come from two sources: 1) During the holding period, which is approximately five years, investors receive their proportional share of quarterly rental income, paid directly into their Wahed account. 2) When the property is eventually sold, investors receive their proportional share of the sale proceeds, including any capital appreciation.

There is no debt or interest-bearing financing anywhere in the structure, a fundamental Shariah requirement that distinguishes this from traditional mortgage-financed property investment.

This is structurally different from a Real Estate Investment Trust (REIT), where capital is pooled into a fund managed by a third party and investors have no say over which properties are held. Through Wahed’s platform, the investor chooses the property. The return is tied to how that specific property performs, not to listed market sentiment.

Malaysia is not Wahed’s first real estate market. The company has already successfully deployed this model internationally, completing 20 property deals in the United Kingdom (£7.2 million raised) and five deals in the United States (US$2.2 million raised). The same operational model has been applied and tested in each market and is now being brought to Malaysia.

Wahed serves more than 450,000 investors across 130 countries and holds licences in nine regulatory jurisdictions. The company manages more than US$2 billion in assets across its entities.