Demo — Rule Builder
Policy Configuration — Investor Whitelist
6 rule templates · JSON policy export · Publish immutably to HCS
Live Demo · 24 February 2026
Presented by Jasim Puthucheary (AOM) · Walt (HSuite COO) · Tom (HSuite CTO)
Most of it untouched by digital infrastructure
| Today | With Tokenisation |
|---|---|
| Paper-based issuance, weeks to settle | Digital origination in hours |
| T+2 to T+5 settlement cycles | T+0 atomic settlement |
| Limited secondary liquidity | 24/7 fractional trading |
| Manual compliance reporting | Automated Shariah audit trail |
| High minimum denominations | RM 100K fractional units |
1–3% per issuance
0.1–0.5% per trade
0.05–0.15% AUM
Premium analytics services
CIMB Ijarah Sukuk Series 1
RM 100M facility · 1,000 NFTs @ RM 100K
Immutable records on Hedera Consensus Service · On-chain audit trail
Delivery vs Payment · Simultaneous exchange · Zero settlement risk
Real-time rule enforcement · Whitelist management · Trading windows
Not mockups — real Hedera testnet with verifiable transactions
1.1M+ on-chain transactions · Halborn + CertiK audited
Each layer isolated, auditable, replaceable
Key: Policy rules live on Hedera Consensus Service — immutable, auditable, tamper-proof. Validators enforce these rules but can never override them.
Rules are built from simple, tested building blocks:
These atoms compose into molecules — complex policies from simple, tested parts.
Example Molecule: "Investor must be KYC-approved + on whitelist + within holding limit + transfer during market hours" — four atoms, one enforceable policy.
Every step validated against the policy engine — no exceptions.
Sukuk tokens minted
Rules attached at creation
Investor whitelist set
Atomic settlement
Deposit ↔ Sukuk tokens
Eligibility verified
Secondary transfers
Holding limits enforced
Time gates respected
Scheduled profit share
Pro-rata calculation
Automatic execution
Maturity settlement
Tokens burned
Deposits returned
Revenue at every stage: Arranger's fee at issuance → transaction fees on trading → servicing fees on custody → settlement fees at redemption. The platform generates income across the entire lifecycle.
Why it matters: Segregated custody with threshold signatures gives CIMB institutional-grade security while maintaining full regulatory transparency. Each investor's assets are provably separate and independently verifiable.
Transparent by design — not by request.
HSuite Smart Engine on Hedera Testnet
Compose compliance policies
Token issuance + atomic DvP
HashScan proof of every action
[ Presenter: switch to live demo environment ]
Open Interactive Demo ↗6 rule templates · JSON policy export · Publish immutably to HCS
RM 100M facility · 4.25% p.a. · Shariah-approved (SAC/2026/IJARAH/0042) · TSS 2-of-3 signed
3/3 Smart Nodes active · TSS threshold 2-of-3 · Every rejection logged permanently
500 Sukuk NFTs ↔ RM 50,000,000 · 6/6 rules passed · Both legs or neither
Account 0.0.9999 failed whitelist check · No KYC · Zero funds moved · TSS never initiated
Every action independently verifiable on Hedera HashScan — right now.
0.0.7975572
hashscan.io/testnet/topic/0.0.7975572
0.0.7975574
1,000 CIMB Ijarah Sukuk Series 1 tokens
0.0.7975575
Settlement currency for atomic DvP
0.0.7975538
Full transaction history visible
This is not a simulation. Every token, every topic, every transaction exists on Hedera testnet right now. Open HashScan, paste any ID, and verify independently. No trust required — the ledger is the proof.
Conservative projection based on 2% arranger's fee (Malaysian market standard)
| Year 1 (Pilot) | Year 2 | Year 3 | |
|---|---|---|---|
| Tokenised Sukuk AUM | RM 500M | RM 2B | RM 5B |
| Arranger's Fee Income | RM 10M | RM 40M | RM 100M |
| Secondary Trading Fees | RM 1M | RM 5M | RM 15M |
| Total New Revenue | RM 11M | RM 45M | RM 115M |
Additional value: First-mover in Malaysian tokenised sukuk · Regulatory precedent with Securities Commission · Platform extensible to corporate bonds, trade finance, private equity
Not a research project — production infrastructure that generates fee income immediately.
Compliance built into the consensus layer. Immutable, auditable, trustworthy. Reduces compliance cost while increasing trust.
Months ahead of competitors in Malaysian tokenised sukuk. Early movers capture the market and set the standards.
Multi-node consensus, segregated custody, atomic settlement. Built for the scale CIMB operates at. Halborn + CertiK audited.
Free alignment month. We invest in your success before you invest in us. Full data portability — walk away at any time.
CIMB's scholars define Shariah parameters & contract sequencing
Rules translated into machine-enforceable policy validators
Every transaction checked against Shariah rules before submission
Immutable HCS record of every rule checked and outcome
Key Principle: The technology serves the scholars, it does not replace them. AOM is engaging ISRA for advisory alignment.
BNM Observer Node: We offer BNM read-only observer access to the sandbox — real-time transaction logs, policy decisions, and rule-evaluation paths on HCS.
Let's find out together.
Asia One Management
HSuite Trust — COO
HSuite Trust — CTO