Investor Help Centre

Every now and then questions arise. For a quick solution visit our Investor Help Centre or contact our Customer Service.

General Information
Insurance Protection

What is Hap2py?

Hap2py is a platform that connects investors to alternative assets offered by a range of carefully selected lending partners. We offer convenient and robust investment tools that allow individuals and institutional investors to grow their passive income at ease.

How do I create an account?

Click 'Register' at the upper right corner of the homepage to complete your registration.

Operation hours?

Monday - Friday :9am - 11pm

What should I do if my registration number is inactive or has been lost?

Kindly contact the admin.

Who can invest?

You can be an investor as long as you are at least 18 years of age and possess valid identification documents (such as a Malaysian NRIC)

What is the minimum and maximum amount of funds that I can invest in?

For all type of investors, the minimum investment amount is RM300. The maximum amount will depend on the classification of investors

What are the information and documents that I need to furnish in order to register as an investor?

Full name, National Identification Card and Bank account details.

What are the fees that you charge on investors?

We do not charge any upfront payment.

What are some of the investor risks?

If borrowers default on their payments, you could lose the entire principal that you have invested. However, thanks to our buyback guarantee, we are able to acquire the defaulted loans at 30% - 80% of your original invested principal if you do not wish to wait any longer for the borrower to repay the loans.

Do I have the right to know who is the borrower?

For security reasons and as part of our compliance with data protection laws, we will not reveal any personal data of the borrowers.

Can I cancel my investment after confirmation?

Once an investment is confirmed, you are not allowed to withdraw / cancel it.

How is the interest rate calculated?

All interest rates are calculated up until the repayment date and expressed as annual figures. Interest rates are calculated based on the following formula:

Residual amount invested x Interest rate (%)

How do I Top-Up my available balance?

Click the 'Add Fund' button, select your payment method and amount

Where can I see the earnings of my investment?

You can see all of the transactions in your account on the “Wallet statement” page. Furthermore, you may also use the filters to see the total earnings of your investments at any given period.

What if the borrower is late in the repayment?

The issuer will be required to pay late-payment charges to the investor.

How do I register as an Issuer in Hap2py?

You can only register as an issuer in your selected loan company platform.

How do I apply to be an issuer (Borrower)?

All you have to do is to apply online using your mobile phone. The Loan Company will require you to verify your identity by uploading your IC (Front & Back).

You will need to upload your bank statements, payslips, utility bills, and any other documentations that you think may assist us in understanding your business.

While uploading, you may submit clear pictures or scanned copies of the documents.

Why did Hap2py choose these 5 companies as issuer?

After strictly reviewing their company information such as performance, verifying their identity as well as assessing their financial viability, not only are they willing to rent a slot from us but, more importantly, we found that they have fulfilled all of the criteria that we have set.

How much can I borrow?

Your receiving amount will depend on your supporting documents.

Why was my application Declined / Rejected?

You can try to reapply. The loan company reserves the right to decline an application based on a number of factors such as a company with a weak credit score.

If I am late in my repayment, what are the interest fees incurred?

You will be charged either a minimum of RM2 per day or 18% interest of the applied loan amount. You may refer to the loan company for further details.

What are the fees that you charge on issuers?

Stamping fee, service fee & processing fee.

How do I withdraw my funds?

Click the 'Withdraw' button, enter your withdrawal amount and fill in your bank account details, followed by clicking the 'Send Request' button.

Are there any fees or charges for withdrawals?

You will only be charged the processing fee (RM3 Or 2% of the withdrawal amount). The mininum withdrawal amount is RM50 and above.

How long does it take for the money to be transferred to my account?

It will take 1 to 2 working days for the money to be transferred to your account.

Can withdrawals be done during the weekends?

Yes, you can.
Our withdrawal is available from Monday to Sunday during working hours and it will 1 to 2 working days for the money to be transferred to your account.

Will I receive approval for the full funding amount?

Yes, you will receive the full funding amount together with the interests incurred once the loan has been repaid by the borrower.

Can I withdraw money from my bonus wallet?

Money from the bonus wallet cannot be withdrawn. However, you can utilise the credit for investment purposes.

Why is my wallet balance deducted before the money is credited?

Because we need to deduct your credits first in order for us to submit to the banker before they can initiate the transaction.

Why couldn't I withdraw my money?

Because your main wallet balance is less than RM50.

Are investors entitled to Insurance Protection?

Investors are entitled to receive Insurance Protection for their invested principal.

What are the Insurance Protection fees?

Those with Score Class A will be charged 4% interest of the applied loan amount, Score Class B will be charged 7% Interest of the applied loan amount while Score Class C will not be protected by any insurance as they have a high risk of defaulting

How is Score Class determined?

Score Class A - Borrowers who have repaid on time for 5 times and above.
Score Class B - Borrowers who have repaid on time for 2 to 4 time and above.
Score Class C - Borrowers who applied for loans with the loan company for the first time.

Is the Insurance Protection provided by Hap2py?

No, the Insurance Protection is provided by a third party company. For further information, you may click here

Is the interest amount guaranteed as well?

No, Hap2py will only guarantee investor's principal amount.

Why can't I register?

Please contact the Customer Service for the further assist.

What should I do if I forget my username / passwords?

Click 'Forget Username / Passwords', then fill up your mobile phone number / email to get an OTP which must be used to reset your username / passwords.

What is a referral code?

You can use your referral code to invite your friends and family to invest and earn bonus from each successful registraton.

Am I allowed to edit my bank details?

No, because only 1 bank can be registered for each account.


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