A new revenue vertical that does not grow the loan book.
Every institution wants the SME segment. Almost none wants the credit exposure that has historically come with serving it. SME-Tech separates the two: liquidity services delivered to SMEs, income delivered to you, without extending new credit.
Unlock a new vertical without growing risk.
New fee and float income
Monetise SME liquidity without extending loans. The income is transactional, not interest on a book you have to provision against.
Minimal operational burden
Automated workflows. No underwriting teams, no collections function, no reconciliation overhead to staff.
Digital leadership
A fintech-grade liquidity product running parallel to your core, deployable without a migration programme.
Network expansion
Every SME client brings its suppliers, employees and partners into your ecosystem. B2B2C growth with minimal acquisition cost.
ESG and inclusion alignment
Support SME resilience and workforce financial inclusion while staying inside existing regulatory frameworks.
A category, not a feature
CIXOR (Pvt) Ltd states the underlying infrastructure is patent pending. For a partner institution, that is first-mover position in a category with no incumbent here yet.
The question a credit committee asks is not "is this a good product". It is "what does it do to our risk-weighted assets". The answer here is: nothing.
EOGSB · FinTech practiceNew fee and float income
Monetise SME liquidity without extending loans.
Enhanced customer engagement
Strengthen relationships with SMEs and the networks around them.
Low operational overhead
Fully automated workflow eliminates the manual effort.
For financial partners, answered.
CIXOR is a product of CIXOR (Pvt) Ltd. Eastern Orion Global (M) Sdn. Bhd. is a licensee of the CIXOR platform for Malaysia and ASEAN, and delivers it to employers, SMEs and financial institutions across the region. Platform figures cited on this page are published by CIXOR (Pvt) Ltd at mycixor.com.
Does this expand our loan book?
No. That is the central point. SME-Tech generates fee and float income from SME liquidity services without extending new credit, because the liquidity is accelerated from confirmed value rather than underwritten as a loan.
What operational teams do we need to stand up?
None, in the ordinary case. SME-Tech runs automated workflows — no underwriting team, no collections function, no reconciliation overhead.
Will it disrupt our core banking system?
No. It is designed to run in parallel to the core, not inside it. There is no migration programme.
What is the competitive position?
CIXOR (Pvt) Ltd states that the underlying liquidity infrastructure is patent pending. For an institution, the practical edge is first-mover positioning in a category that does not currently have an incumbent in this market.
How is regulatory compliance handled?
The platform is designed to sit within existing regulatory frameworks and to support ESG and financial-inclusion reporting. Specific regulatory treatment is a matter for the institution and its regulator; EOGSB does not give legal or regulatory advice.
Send us the requirement. We come back with options.
Node count, GPU class, kW per rack, target market, in-service date. That is enough for us to open the conversation with the right suppliers and the right facilities. Under NDA from first contact.