Hey everyone,

I’m a 29-year-old working two jobs: 
1. Primary job (finance sector, non-banking) – Working for a Singaporean company, earning RM14,000/month, deposited into my Malaysian bank account. 
2. Side job (crypto industry) – Earning ~USD 4,000/month, paid in cryptocurrency. 

Current financial position: 
- Total cash savings & investments: ~RM600,000 
  - RM100,000 in Bank 1 
  - RM300,000 in Bank 2 
  - RM300,000 in a non-bank brokerage account (held as cash) 
- Debt-free: No student loans, no mortgage, no car loan. 
- Assets: No property, no car (only a motorcycle). 

Goal: Optimizing capital management & investments
 
I’m looking for an ideal banking or financial setup that provides: 
1. High-yield savings account – Ideally with an interest rate above 2% p.a. 
2. Seamless international brokerage access – Preferably through an integrated banking-brokerage platform (US, Canada, Hong Kong markets). 
3. High transaction limits & easy transfers – Ability to move large amounts (hundreds of thousands) without excessive red tape or physical branch visits. 

Challenges faced: 
- Malaysian banks seem to have strict transaction limits or require in-person verification for large transfers. 
- HSBC and other major banks don’t seem to offer a fully integrated solution meeting all my needs. 

Seeking advice on: 
1. Which banks or financial institutions in Malaysia cater to high-income individuals needing flexible capital management and international investment access? 
2. Alternative strategies for managing and deploying funds efficiently. 
3. Personal experiences with similar setups. 

My priority is convenience and efficiency—I want seamless transactions and direct access to international markets without unnecessary friction. Would appreciate any insights or recommendations! 

Thanks in advance!