Bolehlah.com membership

Join free.Refer friends.Earn Bolehlah Points.

Build your status, invite friends, and watch your points grow. Be first in line the moment loan applications open.

Plus real cash when a referred koperasi loan disburses — single-level, volume-banded, up to 55% of the lender's fee at the top band. Terms apply — see the fine print

Download the app & join free

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Free to joinPDPA-alignedMade in Malaysia

Illustrative example0

Bolehlah Points

An illustration of how Bolehlah Points can stack up as you refer and engage

+50

Friend joins

+100

Completes verification

+150

Applies for a loan

+500

Loan disbursed

How rewards work

Three steps. Real points.

Free to earn, always. Your points come in two kinds — spendable points you can redeem, and status points that climb your rank.

Join free

Create your Bolehlah membership in minutes. Complete your profile to start earning points right away.

Refer with your code

Share your invite link or QR with friends. They join through you — and they're locked in as your referral.

Earn as friends grow

Each time a friend advances — joins, verifies, applies — points land in your account. Climb the status tiers.

Two kinds of points

Status you build. Points you spend.

Bolehlah Points run in two honest lanes. STATUS points climb your rank and unlock perks — they never convert to cash. SPENDABLE points are yours to redeem on real services. Single-level, always: you earn only from friends you invite directly.

Status points

Climb your rank

Earned as friends you invite make progress — plus network milestones and your daily Journey. They build your rank, level and badges. Never redeemable, never cash.

Friend joins

credited to you

+0pts

Completes verification

credited to you

+0pts

Applies for a loan

credited to you

+0pts

Also from: network milestone badges · daily check-ins & streaks · weekly quests.

Status points build your rank — they never fund a redemption.

Spendable points

Yours to redeem

Real, redeemable value — headlined by +500 for every verified friend. Spend them on services inside Bolehlah. Points are points: they never carry a ringgit price tag.

Verified friend

A friend you invite joins AND passes identity verification

+0pts

Loan disbursed

When a friend's eligible loan actually disburses

+0pts

Complete your profile

Each profile section you finish earns points

About two verified friends (1,000 pts) covers a full eKYC verification redemption.

Spend them on

eKYC identity verificationeSGPA salary-deduction reportCTOS credit report

And on eligible loans, real cash rewards may apply — terms apply. Terms apply — see the fine print

Status ladder & the cash track

Two tracks: status you climb, cash you earn

These are two SEPARATE tracks. Your STATUS rank (Friend → Founding Circle) climbs as friends you invite make progress — it carries perks and a points-speed boost, never a cash rate. Your CASH rate is set separately, by volume bands on disbursed koperasi loans your referrals generate — the cash track below.

Three ways you're rewarded: (1) Bolehlah Points as each friend progresses, (2) your STATUS rank — perks plus a points-speed boost, climbed by helping friends progress, and (3) the separate CASH track — volume-banded rates on eligible koperasi disbursements only.

Track 1 · The status ladder

Climbed by your friends' PROGRESS — joining, verifying, applying. A higher rank earns points faster; it never changes your cash rate.

You're climbing toward this

4
Founding Circle
Top
The inner circle — top rate, first look, concierge care.
Points speed
×3
Climb by A thriving, active network
Perks
- Founding Circle badge
- First-look features
- Concierge support
3
Champion
A trusted, high-volume referrer in the community.
Points speed
×2
Climb by A circle making real progress
Perks
- Verified referrer flair
- Early-access invitations
2
Connector
A few loans in — you're building momentum.
Points speed
×1.5
Climb by Friends joining & verifying
Perks
- Priority support queue
- Early access to new features
1
Friend
Start here
Where everyone starts — you're a referrer.
Points speed
×1
Climb by Everyone starts here
Perks
- Referrer badge
- Track every friend's progress

Track 2 · The cash trackup to 55%*

Real cash, koperasi financing only, paid only when a referred loan DISBURSES, funded by Bolehlah. The rate is set by volume bands — like tax brackets, each ringgit of disbursed volume earns its own band's rate.

The six volume bands (trailing 12 months)

10%

RM 0–1M

19%

RM 1–3M

28%

RM 3–6M

37%*

RM 6–12M

46%*

RM 12–25M

55%*

RM 25M+

Marginal, like tax brackets: your whole book never jumps to the top rate — each ringgit earns the rate of the band it falls into.

* Rates above 28% require a signed referral-agent agreement with Bolehlah. Without one on file, your payout is capped at 28%. (Agreement required)

The honest fine print

Cash rewards apply on ELIGIBLE loans only.
Paid when your friend's loan DISBURSES — never for a sign-up or a lead.
SINGLE-LEVEL: you earn only from friends you invite directly — never from their invitees.
Per friend, cash TAPERS: their 1st qualifying loan pays 100% of the computed reward, the 2nd pays 50%, the 3rd onward pays none.
Your CASH rate is set by disbursed loan VOLUME bands — separate from your status rank, and never by headcount.
Rates are MARGINAL volume bands — 10 / 19 / 28 / 37 / 46 / 55% across RM 0–1M / 1–3M / 3–6M / 6–12M / 12–25M / 25M+ of trailing-12-month disbursed volume.
Rates above 28% require a SIGNED referral-agent agreement — without one on file, your payout is capped at 28%.
Cash rewards apply to KOPERASI (co-operative) financing — Bolehlah funds the reward; it's never a fee taken from your friend.
“Up to 55%” is the top tier, not the typical rate. The program is launching — terms apply.

Built to comply

Single-level and paid only on a real disbursement — not a recruitment scheme (Anti-Pyramid Scheme & Direct Sales Act 1993, Act 500). Cash rewards apply to co-operative (koperasi) financing under the Co-operative Societies Act 1993 (Act 502). Your personal data is handled under the Personal Data Protection Act 2010 (Act 709).

Build your network

Grow a network, unlock badges + bonus points

A separate, NON-CASH layer. Each time your invited network reaches 5, 15, 50 or 150 friends you unlock a collectible badge plus a one-off bonus-POINT drop. Badges and STATUS points only — never cash (the cash rate lives on the volume bands above).

Layer 3 of 3: one-time bonus STATUS points — separate from the cash track above.

Sprout

5 friends

+0 bonus

Grove

15 friends

+0 bonus

Forest

50 friends

+0 bonus

Canopy

150 friends

+0 bonus

Mystery-Boost

Up to ×1.5

Every milestone mints a surprise — bonus points, a points multiplier up to ×1.5, a streak freeze, or a collectible. You never know what you'll unwrap.

Bonus pointsUp to ×1.5Collectibles

The Bolehlah Journey

Every day counts

Open the app daily and your Journey grows — check-in points, streaks, levels, weekly quests and a stage path to walk. All of it earns free STATUS points.

5-day streak

A week on the Journey — illustrativeToday

Daily check-in & streaks

Check in daily for +8–20 status points — about one day in eight is a golden day worth +50. Streak milestones at 3, 7, 14, 30, 60 and 100 days drop one-time bonuses.

7Level

Levels that grow with you

Every point you've ever earned counts toward your level — a lifetime XP curve with no cap.

Streak freeze: Miss a day? A streak freeze — a Mystery-Boost prize — bridges a single missed day so your flame keeps burning.

Weekly quests: Fresh quests land every Monday — small goals, bonus status points.

Getting startedDaily rhythmBring your circleGrow the grove

The stage path

Four chapters from your first steps to a thriving grove — each node a real milestone in your journey.

Everything on the Journey earns free STATUS points — they build your rank and level, are never tied to taking a loan, and never convert to cash.

Why join now

Loans open soon. Your head start begins today.

Loan applications open around end of July 2026. Members who join now build their status and points early — so you're first in line and already ahead when the doors open.

Be first in line when loans open

Start your status today, free

Lock in friends you invite

Part of something bigger

Your membership powers a two-sided network

Bolehlah is AI-native credit infrastructure for licensed lenders. Your membership and referrals are the front door of a two-sided network — as the community grows, lending decisions are designed to get sharper and fairer for everyone.

How the platform works