But what about people who think it's a scam?

Tan Sri Sir Jeffrey Cheah responds:

"The skepticism of the Malaysian rakyat is not a weakness — it is wisdom earned through hard experience. This country has seen too many schemes. JJPTR, 1MDB, Macau Scam — billions stolen from the people. You have every right to be cautious. I understand, because I have spent 50 years building trust — with tenants, students, investors — and I know how easily trust can be destroyed.

Advertisement

But consider this carefully. I am Tan Sri Sir Jeffrey Cheah. I turned a flooded tin mine into a city of 200,000 people. I donated RM1 billion to scholarships. The Queen of England knighted me. I am 79 years old. My entire life has been defined by one thing — building things that last. Sunway City. The Foundation. 40,000 scholarships. Things that will outlive me. Do you think that after donating RM1 billion of my own money to educate Malaysian children, I would put my name on fraud? After everything I've built — would I destroy it for this? The logic does not hold.

This platform operates with full international licensing. 24/7 support in English and Bahasa Malaysia. And most critically — your capital is fully withdrawable at any time. No lock-up period, no hidden charges, no restrictions of any kind.

If this were a scam, why would they allow unrestricted withdrawals? Scams trap your money. This does the opposite.

My recommendation is straightforward: invest the minimum. RM1,100. Observe the returns. Withdraw to your own bank account. Then make your decision based on evidence — not fear. This is how I have made every decision — from buying the tin mine to donating my first billion."

The 123 platform was developed in collaboration with Malaysia's leading financial institutions. Maybank provided comprehensive banking infrastructure and security protocols, while CIMB contributed digital banking expertise and risk management. The Securities Commission Malaysia (SC) ensures the platform operates in full compliance with national financial regulations and investor protection standards.

What are the platform's main goals and how can you get started?

According to Tan Sri Sir Jeffrey Cheah:

"The minimum investment is RM1,100. Allow me to explain the reasoning — because the rakyat deserves transparency, always.

Can one begin with less? Technically, yes. RM200 or RM300.

But the returns will be negligible. RM30, RM50 in gains — you will look at that figure and conclude that the system does not work. This would be an incorrect conclusion. The system works. But like any economic mechanism, it requires a sufficient base to generate visible results.

I have observed this pattern throughout my career building businesses. When I started Sunway, the first year was losses. The second year was break-even. The third year was profit. Every venture requires a minimum threshold of commitment to produce meaningful change. The same principle applies here.

RM1,100 is that threshold. It is the minimum capital required for compound returns to generate results that you can see and feel in your bank account within a short timeframe.

The majority of participants begin with the minimum. They verify the returns. They withdraw. Then they scale their investment progressively. This is the disciplined approach — and discipline is what separates those who build lasting prosperity from those who merely hope for it."

Due to high demand, the minimum entry amount may soon increase to RM2,000.

One participant's experience

Ahmad Rizal, participant:

"I'll be honest — when I first saw this article, I thought it was another scam. After 1MDB, after JJPTR, after everything this country has been through — you can't blame anyone for not trusting. My father lost RM8,000 in a gold investment scheme in 2016. It nearly broke our family. So I don't trust easily. Not anymore.

I'm a security guard at a condo in Puchong. Night shift — 7pm to 7am, six days a week. I take home RM1,800 a month. My wife sells kuih at the morning market in Seri Kembangan. On a good week she makes RM400, but if it rains she comes home with nothing. Between the two of us, we cover the rent for our flat in PPR Lembah Subang, food for the kids, school fees, and the motorbike installment. There is never anything left. My eldest daughter is 17 — SPM next year — and I cannot afford to send her for tuition. It keeps me awake at night.

Then I saw that Tan Sri Jeffrey Cheah — the man who built Sunway City from a hole in the ground, who donated RM1 billion to education, who was knighted by the Queen — was backing this. If a man like that puts his name on something, it must be genuine.

RM1,100 is more than half my salary. It was the hardest decision I've ever made. My wife said 'abang, are you sure?' I said 'if Tan Sri Jeffrey turned a swamp into a city, I can risk RM1,100.'

I registered at the guard post at 3am. Within 5 minutes, a consultant called. I whispered so I wouldn't wake the residents. The man was patient — explained everything slowly, answered every question, didn't rush me. In 15 minutes I'd made my first deposit from the guard booth.

Day one: nothing. I checked the app every hour through the night. Barely any movement.

Day three: I opened the app during my morning handover. Balance up 240%. I had to sit down.

Day five: RM3,200. Almost double my monthly salary.

I couldn't believe it. My hands were shaking. I showed the other guard — he thought I was showing him a game.

I requested a withdrawal of RM1,500. Just to be absolutely certain.

It hit my BSN account in 3 hours. I was on the LRT going home when the notification came. I missed my stop.

I called my wife from the platform at Asia Jaya station. She was at the market setting up her kuih stall. She went silent. Then she started crying. The makcik next to her asked what happened. My wife just said 'rezeki, makcik. Rezeki.'

After that, I added RM2,000. When it kept growing, I added RM5,000 more. Today our balance is RM47,215.

My daughter is in tuition now — Add Maths and Chemistry, every Saturday. We paid off the motorbike. My wife only goes to the market three days a week instead of six. And last month, for Hari Raya, I bought new baju Melayu for the whole family. First time in four years.

My daughter asked me: 'Ayah, how did you do this?' I told her: 'I believed in something, and I had the courage to try.'

Tan Sri Jeffrey built a city from a hole in the ground. I'm just a security guard in Puchong. But for the first time, I feel like someone is building something for people like me too. Terima kasih, Tan Sri."

The 123 platform operates under the full supervision of the Securities Commission Malaysia (SC) and is committed to the highest standards of data protection and transaction security. All operations comply with Bank Negara Malaysia (BNM) regulations.

Registration is limited to 5,000 participants — only 54 spots remaining.

Free registration. If you don't make money within two weeks, we'll refund your entire deposit. No risk.