Go-To- Market
Silsilat’s Go-To-Market strategy focuses on trusted adoption, institutional alignment, and measurable impact — not hype. We are introducing a compliance-first liquidity protocol into a highly regulated ecosystem (Islamic pawnshops, cooperatives, and micro-finance institutions), which demands a phased, relationship-driven rollout.
The plan is structured around three pillars:
1️⃣ Build Trust → 2️⃣ Prove Utility → 3️⃣ Scale Network.
Strategic Objectives
Objective
Outcome
Digitize Ar-Rahnu workflows
Replace manual appraisals, records, and settlements with automated, auditable modules.
Enable instant liquidity
Connect pawnshops to pooled liquidity within seconds of gold tokenization.
Prove regulatory & Shariah integrity
Partner with licensed custodians, auditors, and councils to ensure compliance-by-design.
Create new ethical asset class
Introduce fractionalized, gold-backed investment tokens (fSAG / LQT) to retail and institutional investors.
Market Segments
Segment
Primary Need
Silsilat Value Proposition
Ar-Rahnu Pawnshops & Cooperatives
On-demand liquidity & digital operations
Instant SAG tokenization + liquidity pool access
Islamic Banks & Microfinance Institutions
Shariah-compliant asset diversification
Auditable, insured tokenized loan assets
Regulators (BNM, KPDN, SAC)
Transparency, data integrity
Real-time HCS audit dashboards
Investors / ESG Funds / Waqf Foundations
Ethical yield & traceable impact
Fractionalized gold-backed investment access
Digital Custodians (DACP)
Secure custody infrastructure
Integration-ready custody module with proof-of-holdings
Phase 1: Market Entry (Q4 2025 – Q1 2026)
Goal: Validate product-market fit and regulatory readiness in Malaysia.
Key Actions:
Pilot Network Deployment
Deploy 3 pilot pawnshops (e.g., YAPEIM partner outlet, Shoraka Ar-Rahnu, and 1 cooperative).
Connect each to the Silsilat Agent Node, Liquidity Pool, and Custodian API.
Regulatory Sandboxing
Apply under BNM’s Financial Technology Regulatory Sandbox for real-time supervision.
Integrate read-only HCS node for BNM observers.
Shariah Certification
Engage ISRA to review and certify policy packs and fractionalization logic.
Partnership with DACP
Custody integration with Labuan-licensed custodian for insured storage of tokenized assets.
Public Communication
Conduct awareness sessions for pawnshops, cooperatives, and regulators.
KPIs
Metric
Target
Pilot pawnshops onboarded
3
Transactions processed
>100
Average settlement time
<10 seconds
Regulatory sign-off
BNM sandbox approval
Shariah compliance certificate
Achieved
Phase 2: Liquidity Scaling (Q2 – Q4 2026)
Goal: Expand operational network and establish sustainable yield markets.
Key Actions:
Launch Institutional Liquidity Pools
Create MYR Liquidity Pool backed by Islamic banks and ESG investors.
Offer 8% annualized halal yield for 12-month LQT tokens.
Introduce Fractionalization (fSAG)
Enable retail investors to participate via fSAG tokens through DACP-verified platforms.
Expand Pawnshop Network
Onboard 30–50 additional outlets across Malaysia (focus: Bank Rakyat, Koperasi Rahnu Desa, AgroBank Ar-Rahnu).
Marketing & Education
“Gold as a Gateway to Digital Finance” campaign in collaboration with universities and Shariah councils.
Partner with MRANTI or SME Corp for digitization grants to pawnshops.
Treasury Partnerships
Establish co-funding with Bank Pembangunan Malaysia or MTDC to extend liquidity coverage.
AI Assurance
Deploy Arize Phoenix monitoring as an industry benchmark for explainable AI compliance.
KPIs
Metric
Target
Active pawnshops
50+
Liquidity pool TVL
RM 10 million
LQT investors onboarded
500
Average loan disbursement time
<5 seconds
Model accuracy (Phoenix trace integrity)
≥95%
Phase 3: Regional Expansion (2027 – 2028)
Goal: Position Silsilat as the standard for Shariah-compliant liquidity and tokenized gold assets across ASEAN and OIC markets.
Expansion Targets:
Region
Focus Partners
Use Case
Indonesia
Pegadaian Syariah, Koperasi Pondok Pesantren
Tokenized pawn loans & cross-border liquidity
Brunei
Bank Islam Brunei Darussalam
Shariah-compliant collateralized micro-loans
Philippines
Islamic microfinance cooperatives (MinDA)
Digitized gold financing
East Africa (Kenya, Tanzania)
Islamic micro-banks & waqf funds
Gold-based financial inclusion
Key Actions:
Launch multi-currency pools (IDR-t, BND-t, USDC) on Hedera mainnet.
Deploy localized policy packs (BNM → OJK → CBK Shariah standards).
Establish Silsilat Federation Council — regional governance body for policy interoperability.
Initiate cross-border custody & settlement with ASEAN DACPs.
KPIs
Metric
Target
Countries onboarded
3+
Tokenized assets under management
USD 50 million equivalent
Investor participation
5,000+
Transaction integrity score
>98%
Strategic Partnerships
Partner Type
Examples
Purpose
Regulators & Shariah Boards
BNM, Labuan FSA, SAC, ISRA
Compliance, sandboxing, oversight
Financial Institutions
Bank Rakyat, AgroBank, Bank Pembangunan
Institutional liquidity pools
Custodians & Auditors
Labuan DACP, PwC, Amanie Advisors
Asset safety, proof-of-custody
Ecosystem Partners
YAPEIM, Shoraka, MRANTI, SME Corp
Distribution and pilot deployment
Universities & NGOs
IIUM, UiTM, Yayasan Hasanah
Financial literacy & community outreach
Marketing & Awareness Strategy
Channel
Purpose
Tactics
Educational Campaigns
Build trust with Ar-Rahnu users
Workshops with YAPEIM, KPDN, and cooperatives
Islamic Finance Conferences
Establish credibility
Present Silsilat at ISRA, INCEIF, and OIC forums
Digital Channels
Broader awareness
LinkedIn, X, and Telegram ecosystem updates
Community Incentives
Early adoption
Reduced ujrah for digital onboarding
Transparency Reports
Credibility building
Quarterly “Liquidity Integrity Reports” published via GitBook & IPFS
Business Model Summary
Revenue Stream
Description
Projected Share
Liquidity Pool Fee
1–2% annualized on TVL
40%
Transaction Fee
0.25–0.5% per disbursement/redemption
25%
Compliance-as-a-Service
API and policy validation fees for institutions
20%
Treasury Yield
Silsilat Treasury earnings from short-term staking
10%
Education & Certification
Training, onboarding, and white-label integration
5%
KPIs & Milestones
Milestone
Target Date
Success Indicator
Pilot completed with regulator sandbox approval
Q1 2026
Approval + 3 active nodes
Shariah certification received
Q2 2026
SAC verified & published
Liquidity pool public launch
Q3 2026
RM 10M TVL
Cross-border policy federation
Q1 2027
Indonesia pilot live
Regional expansion & Series A funding
Q4 2027
USD 2–3M raised
Institutional ESG partnership
2028
Verified impact dashboard live
Summary
Silsilat’s GTM plan builds trust before traction:
Local credibility — integrate with Malaysia’s Ar-Rahnu system under regulatory supervision.
Proven liquidity — demonstrate instant financing through insured pools.
Regional expansion — federate compliant, tokenized liquidity across ASEAN & OIC.
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