bank negara capital control, so nothing to do with risk or whatever investment or loan. bank negara doesnt want normal peep like us to borrow loan locally, sell RM and get USD or other foreign currencies.

stash away is still small, if the fund size become ubber huge. BNM might want them to perform CTOS or CRISS check not like some lame questionnaire haha.... just like cypto, at first BNM dont even bother. until it get hot, BNM steps in and require all crypto site to comply if KYC.