Zuhardi bin Haji Mokhtar
Managing Director & Founder
Smart Nation Sdn Bhd · 1622140-P
A technology-driven financial infrastructure pioneer
Headquartered in Kuala Lumpur, Smart Nation specializes in practical AI, integrated automation and national strategic consultation — and engineers SNFTX, Malaysia's flagship ASEAN Shariah-compliant RWA tokenization infrastructure.
Corporate structure
Mohd Shaarani bin Yusof
Chief Executive Officer & Co-Founder
Wan Saadi bin Wan Junidi
Chief Operation Officer & Co-Founder
Dr. William Tan
Chief Technology Officer & Co-Founder
Rizal bin Said
Chief Marketing Officer & Co-Founder
Carson Combs
Director of Corporate Strategy
Ryan Au
Director of Business Development
Operating divisions
Infrastructure and OperationsApps Development / Software EngineeringProduct ManagementIT Support / Service DeskEnterprise ArchitectureData Analytics / AIFinance & AccountingAdministration & Human Resources
Revenue architecture
A diversified, predictable fee model
Primary origination fee0.75% – 1.50% of total tokenized asset value
Annual platform servicing0.25% – 0.50% AUM p.a. (automated on-chain yield)
Secondary market trading0.15% per transaction side (DvP settlement)
RegTech / corporate SaaSFixed monthly fee for SPV asset management
Sovereign enterprise licensingB2B retainers for institutional tokenization APIs
Strategic roadmap
The path to 2030
2026 Q3
Phase 1 — Co-creation
Maqasid clinics, regulatory co-design and sandbox readiness under FIKRALab.
2026 Q4
Phase 2 — Sandbox pilot
Pilot issuances across real estate, green infrastructure and a RM5 million Waqf healthcare asset.
2027 Q1–Q2
Phase 3 — Commercial scaling
RMO registration under the SC Digital Securities Framework and Series A of RM3.5 million.
2030
The vision
Premier decentralized financial terminal in Southeast Asia and ASEAN Islamic tokenization hub.
RM 2.5 Billion
Cumulative tokenized issuance volume
250,000
Malaysian retail investors onboarded
RM 100
Minimum investment entry threshold per token
RM 800 Million
Green & transition infrastructure financing
ESG & social impact
Sustainable. Social. Smart.
Environmental, Social and Governance principles are not an afterthought at Smart Nation Group — they are our operating system. Our R&D focuses on the green and digital transition, from smart-grid battery swapping stations to AI-managed autonomous fleet routing, ensuring Malaysia is ready for the self-driving, electric and tokenized economy of tomorrow.
Founding Partner
Help set up the community and shape the tokenization standard.
Strategic Alliance
Work together on strategy, advocacy and funding.
Endorser
Express your support for inclusive digital capital markets.