MYRT is a simple, compliant way for Singaporean residents and businesses to use their xSGD across their Malaysian life.
Few cross-border relationships in the world are as integrated as Singapore and Malaysia's. The numbers paint the picture - and they explain why a familiar Ringgit access layer has been overdue.
From the durian stall on the JB side of the causeway to the international school enrolling your kids - Singaporeans already pour Ringgit into Malaysia across nearly every sector. With MYRT, all of it works directly from xSGD.
Restaurants, kopitiams, hawker centres, durian, cafés, bubble tea - the everyday spend.
Specialist clinics, dental, optical, plastic surgery, traditional medicine - at MY pricing.
Malls, outlet villages, electronics, fashion, groceries - weekend spend across MY.
Hotels, resorts, serviced apartments, Airbnb - from JB stays to Langkawi villas.
Property purchase, progressive payments, legal & agency fees, ongoing maintenance.
International schools, tertiary tuition, hostels, MM2H family enrolments.
Petrol, vehicle servicing, parts, car washes - the daily-commuter staple.
Theme parks, golf, spa, concerts, nightlife, diving, casino - the long-weekend menu.
The Johor-Singapore Special Economic Zone is one of Asia's most ambitious economic partnerships. From property in Iskandar to cafés in Johor Bahru, weekend retreats to long-term family settlements - Singaporeans have always lived a Malaysian life. MYRT supports it through familiar, compliant Ringgit access.
From a high-floor unit in Mont Kiara to a Forest City villa, Singaporean property purchases in Malaysia involve progressive payments, legal fees, sinking fund contributions, agency commissions, and renovation. Each one a separate SGD-to-MYR conversion. Each one bleeding spread.
Friday night dinner at City Square. Saturday morning at JPO. Sunday brunch in Desaru. 13 million SG-MY visits a year aren't bookkeeping rounding errors - they're a way of life. And every one of them today involves cash, currency exchange queues, ATM fees, or wallet-juggling that nobody enjoys.
SG-incorporated companies running manufacturing, services, BPO, or co-working operations across the causeway face the same cross-border AR/AP friction every month. Hostile bank FX. Multi-day wires. Reconciliation pain. All for the privilege of paying a contractor in JB who lives 25km from your office.
Singapore-employed, Johor-based: ~300,000 cross the causeway daily for work, family, school, and life. The half of your life that earns in SGD spends in MYR every single day. Today that means juggling MYR cash, prepaid wallets, or paying SG-card surcharges at every JB merchant. With MYRT, your xSGD just works.
Iskandar is the gateway. The full Malaysia opportunity stretches from KLCC towers to Penang heritage shophouses, Langkawi villas to Tioman dive boats. Wherever you land, your xSGD comes with you.
Malaysia's commercial heart. SG-headquartered companies invest, hire, lease, and trade. Family relocations land in Mont Kiara and Bangsar. RM 43.7B in annual SG FDI flows here and to surrounding clusters.
George Town heritage, Batu Ferringhi resorts, Penang Hill weekends - paired with one of Asia's most established semiconductor clusters. SG visitors come for both holiday and business.
UNESCO World Heritage city, Jonker Walk night markets, Portuguese Settlement seafood, river cruise weekends. The most-driven-to weekend destination from Singapore after Johor.
Island resort getaways, Cenang Beach, mangrove tours, duty-free shopping. Direct flights from Singapore. Datai, Andaman, and Four Seasons make it a regular SG destination.
Genting Highlands for entertainment and SkyWorlds. Cameron for tea estates, strawberry farms, cool weather. Bukit Tinggi for French-themed retreats. Easy long-weekend drives or flights.
Some of Southeast Asia's clearest dive water within reach of Singapore. Tioman by ferry from Mersing. Redang and Perhentian via Kuala Terengganu. Long-weekend dive trips year-round.
For Singaporeans onchain, xSGD is already the default Singapore Dollar - payroll, savings, peer payments, treasury. The only thing it can't do is cross the causeway with you.
That's the gap MYRT closes. No new app. No bank visit. No swap-then-spend two-step. You pay xSGD, the merchant gets Ringgit - the rail does the rest.
No Malaysian POS terminal accepts xSGD. No Malaysian bank rail moves it. No payroll system pays it. To spend in MY today, you'd off-ramp xSGD to SGD, wire SGD across, and convert to MYR - taking days and bleeding FX spread on every leg.
Spend xSGD at participating Malaysian merchants. Pay Malaysian contractors and staff. They receive Ringgit. You don't need a MYRT wallet, you don't need a Malaysian bank account, and there's no extra "convert first" step on your side. From your side, it's one tap. From theirs, it's a normal Ringgit payment.
Whether you're moving to Iskandar, running an SME across the causeway, or just heading to JB for the weekend - MYRT is designed to make Ringgit access feel familiar, compliant, and effortless.