Fingular, a global fintech holding headquartered in Singapore, announces the launch of its new digital Smart Limit solution in Malaysia.
This next-generation consumer finance product provides flexible access to funds for everyday needs and can be activated entirely online in just five minutes.
The Smart Limit is currently being launched in test mode, with existing Tambadana customers the first to access the service. It will soon also become available to AhaPay BNPL custome
rs. Smart Limit will open to the general public in March 2026, and anyone will be able to apply.
Smart Limit is a modern alternative to traditional consumer financing tools, providing instant access to a personal spending limit. The service offers a fully digital onboarding and risk scoring process, enabling customers to complete the entire application and receive approval in under 5 minutes.The Smart Limit supports repayment via e-wallets, FPX transfers and direct debit from bank accounts. Additional features such as top ups, additional repayment options, and expanded usage channels will be launched soon to improve flexibility and convenience. The service offers a 30-day grace period and will soon introduce rewards and cashback programs.
“The Smart Limit product addresses a key need of Malaysia’s rapidly growing digital economy, where consumers actively use a wide range of fintech services. With this launch, we continue our expansion into the near-prime segment — a market that remains underserved or overlooked by traditional banks. At the same time, we see tremendous potential in this segment, both for business growth and for offering people services they genuinely need.
In the future, Smart Limit will become part of the Aha brand’s product portfolio, supporting the company’s strategy to build comprehensive fintech solutions that are accessible to everyone,” said Maksim Chernushchenko, CEO of Fingular.