{"ok":true,"company":"Al Barakha Horizon Sdn Bhd — Global Server Forensic (GSF)","bnmApiStatus":{"ok":true,"currencies":27,"note":"BNM API accessible — exchange rates live"},"licenses":[{"id":"MSB","name":"Money Services Business (MSB) License","authority":"Bank Negara Malaysia (BNM)","law":"Money Services Business Act 2011 (MSBA 2011)","required_for":["Currency exchange","Cross-border remittance","Wholesale currency trading"],"required_for_50m_daily":true,"required_for_1b_daily":true,"application_url":"https://msb.bnm.gov.my/","min_paid_up_capital":"RM 5,000,000 (Class A — full remittance)","processing_time":"3-6 months","status":"REQUIRED — apply before processing >RM 3,000/day cross-border"},{"id":"PI","name":"Payment System Operator / Payment Institution License","authority":"Bank Negara Malaysia (BNM)","law":"Financial Services Act 2013 (FSA 2013)","required_for":["Operating a payment system","Issuing e-money/digital tokens","Processing >RM 25M/month"],"required_for_50m_daily":true,"required_for_1b_daily":true,"application_url":"https://www.bnm.gov.my/financial-stability/payment-system-oversight","min_paid_up_capital":"RM 10,000,000 (for large payment institution)","processing_time":"6-12 months","status":"REQUIRED — for GDT issuance and large-volume payment processing"},{"id":"VISA_ISO","name":"Visa/Mastercard ISO Agent Registration","authority":"Visa Inc. / Mastercard International","law":"Card Network Operating Regulations","required_for":["High-volume card acquiring (>USD 1M/day)","ISO 8583 acquiring","Cross-border card processing"],"required_for_50m_daily":true,"required_for_1b_daily":true,"application_url":"https://developer.visa.com/","processing_time":"3-12 months","status":"REQUIRED for USD 50M-1B/day card processing — requires acquiring bank sponsorship"},{"id":"PCI_DSS","name":"PCI-DSS Level 1 Compliance","authority":"PCI Security Standards Council","law":"Payment Card Industry Data Security Standard","required_for":["Processing >6M card transactions/year","Storing/transmitting cardholder data"],"required_for_50m_daily":true,"required_for_1b_daily":true,"application_url":"https://www.pcisecuritystandards.org/","processing_time":"6-18 months (QSA audit required)","status":"REQUIRED for large-volume card processing"},{"id":"SC_DAX","name":"Digital Asset Exchange (DAX) License","authority":"Securities Commission Malaysia (SC)","law":"Capital Markets and Services (Prescription of Securities) (Digital Currency and Digital Token) Order 2019","required_for":["Operating a crypto exchange","Listing GDT on a Malaysian exchange","Trading digital tokens as securities"],"required_for_50m_daily":false,"required_for_1b_daily":false,"application_url":"https://www.sc.com.my/regulation/guidelines/digital-assets","min_paid_up_capital":"RM 5,000,000","processing_time":"6-12 months","status":"REQUIRED for GDT to be listed on Malaysian crypto exchanges"},{"id":"SWIFT_BIC","name":"SWIFT BIC Registration","authority":"SWIFT (Society for Worldwide Interbank Financial Telecommunication)","law":"SWIFT Membership Rules","required_for":["Direct SWIFT wire transfers","Interbank settlements","NOSTRO/VOSTRO messaging"],"required_for_50m_daily":true,"required_for_1b_daily":true,"application_url":"https://www.swift.com/our-solutions/compliance-and-shared-services/swift-membership","processing_time":"3-6 months","status":"RECOMMENDED — enables GSF to directly send SWIFT MT103 messages for international settlements"}],"terminal_capacity":{"protocol_101_1_online":{"theoretical_tps":10000,"max_per_day_usd":43200000000,"fifty_million_usd":{"transactions":10000,"time_seconds":1,"feasible":true,"bottleneck":"NOSTRO credit line (need USD 50M at CHASUS33)"},"one_billion_usd":{"transactions":200000,"time_seconds":20,"feasible":"with_licensing","bottleneck":"Visa/MC acquiring bank limit + BNM MSB + USD 1B NOSTRO"}},"protocol_201_3_offline":{"max_per_batch":10000,"floor_limit_usd":100,"max_per_batch_usd":1000000,"batches_for_50m":50,"batches_for_1b":1000,"days_for_50m":50,"days_for_1b":1000,"note":"Offline protocol limited by floor limit (USD 100/tx). For large single-day volumes, Protocol 101.1 Online is required."}},"realistic_daily_limits":{"current_gsf":"USD 1,000 (no MSB/PI license)","with_msb_license":"USD 10,000,000/day (RM equivalent ~RM 44.5M)","with_pi_license":"USD 50,000,000/day (RM equivalent ~RM 222.5M)","with_visa_iso":"USD 1,000,000,000/day (RM equivalent ~RM 4.45B) — requires all licenses + NOSTRO credit line"},"source":"Bank Negara Malaysia, Securities Commission Malaysia, PCI-SSC, SWIFT","timestamp":"2026-07-02T03:48:04.810Z"}