🇸🇬SGD to 🇲🇾MYR
Tens of thousands of daily SG-MY commuters and a deep B2B supply chain. PayNow ↔ DuitNow has launched bank-side, but FX margins remain.
Indicative figures from trailing 30-day flow. Not a guarantee of returns. See full disclaimer below.
How a SGD → MYR payment moves through Sera.
SGD via PayNow → XSGD → SOR routes XSGD↔USDC↔MYR inventory → MYR via DuitNow.
Real-time on both sides.
Sera plugs into the local instant-payment networks on both ends so the flow stays settled in seconds, not days.
- Real-timePayNowBank/mobile addressable
- Real-timeFASTDomestic interbank
- Real-timeDuitNow
- Real-timeFPXBank-direct
- JB cross-border commuters
- F&B supply chain
- Daily worker payroll
You earn the FX spread on every SGD/MYR swap.
Deposit XSGD or USDC (or any major stablecoin, Virtual Liquidity does the conversion) and you start collecting 8 bps fees on routed volume in proportion to your share of the pool. 80% of the swap fee accrues to LPs; 15% to protocol; 5% to safety reserve.
Deploy Liquidity → SGD/MYRHighly correlated with SG-MY work permit policy. Volume seasonality around festive periods.
Indicative APY shown is illustrative only and based on trailing 30-day flow. Yields are not guaranteed and may be lower or zero. Liquidity provision involves risk including loss of principal, smart-contract risk, oracle risk, and adverse FX movement. Not investment advice.