PETALING JAYA: ComTech Gold (CGO), a digital gold platform offering tokenised ownership of physical gold, has partnered with financing provider PeerHive to introduce a gold-backed financing solution designed to help investors unlock liquidity without selling their gold holdings.
The partnership addresses a common challenge faced by gold investors in Malaysia – choosing between holding gold as a long-term store of value or liquidating it to meet short-term cash needs.
In a statement, CGO said that through this new offering, Malaysian investors can now use their gold holdings as collateral to access financing, while retaining beneficial ownership of their gold.
Under the memorandum of understanding, customers holding CGO Tokens – each backed 1:1 by physical 24-karat gold stored in regulated and insured vaults – will be able to pledge their tokens to obtain financing via PeerHive, without having to sell their gold.
Gold has long been a trusted asset among Malaysians, valued for its role in wealth preservation and financial security. With rising interest in digital assets and alternative financing solutions, the partnership aims to modernise how gold can be utilised as a financial tool.
“This partnership is about giving gold investors greater flexibility,” CGO founder Jignesh Ved said, adding that Malaysians have traditionally viewed gold as a safe asset, but accessing liquidity often meant selling it.
“With this solution, investors can unlock value from their gold while continuing to benefit from long-term price appreciation.”
Each CGO Token represents one gram of 99.99% pure gold held in fully insured, regulated vaults, providing customers with transparent, secure gold ownership.
Through this partnership, token holders can pledge their CGO Tokens to obtain financing from PeerHive while the underlying gold remains safely stored and the customer retains beneficial entitlement to the asset.
Unlike conventional pawn or buyback arrangements, where ownership of gold is temporarily or permanently transferred, this financing structure allows investors to retain beneficial ownership of their gold throughout the financing period.
CGO contributes its digital gold infrastructure, gold procurement and custody capabilities, while PeerHive brings expertise in secured lending, credit assessment and loan structuring. Together, the partnership applies robust risk management practices typically associated with institutional lending to an asset class that is widely held by retail investors.
“This partnership demonstrates how traditional secured lending can evolve to serve modern investors. We’re providing financing backed by physical gold collateral – a time-tested asset class – while leveraging efficient ledger technology for collateral management. This is asset-backed lending at its core, enhanced by operational infrastructure that benefits both lenders and borrowers,” Vincent Yeo. co-founder and CEO of PeerHive, said.
The partnership operates under United Arab Emirates regulatory frameworks, with services made available to international investors, including those in Malaysia, in line with applicable regulations.
