The rules of the shared ledger

AnKedai is being designed for Malaysian micro-merchants — the kedai runcit and warung, the pasar-malam and mobile traders, and the canteen stalls and campus vendors around our pilots. It is a bookkeeping and operations tool, not an accounting, tax or legal adviser, and it makes no promise of business outcomes.

Entries a merchant records belong to that merchant. AnKedai provides the surface to keep them and to turn them into a till, a queue, a surplus listing or an e-invoice; it does not take ownership of the books, sell them, or use one merchant’s history to train another’s campaign. Individual records are never exported or sold. Aggregate signals are opt-in per cohort and k-anonymized with floors.

AnKedai records transactions; it does not hold, move, lend or intermediate funds. Payments and settlement are performed on DuitNow rails by Bank Negara Malaysia-licensed acquirers and partners, and any financing or insurance offered is provided by licensed institutions under their own terms. AnKedai is not a bank, a payment institution, a lender or an insurer, and holds no client float.

The core ledger is free. Paid surfaces (queue management, surplus logistics, e-invoice volume, staff scheduling) are offered as flat, published subscription tiers, and any adjacent revenue comes from referral to licensed financing and insurance partners. AnKedai takes no commission on staple sales and sells no advertising-auction visibility — pricing will not gatekeep a merchant’s ability to keep their own books.

AnKedai can draft, validate and submit e-invoices to LHDN from the sale already in the ledger, to meet the phased mandate that reaches smaller taxpayers through December 2026. You remain responsible for your own tax position and the accuracy of what is filed on your behalf; AnKedai is a tool that reduces the work, not a substitute for your obligations or your adviser.

AnKedai is designed to post entries without signal and reconcile on reconnect, reusing the AnKampung state engine. Because the merchant owns the record, the merchant is responsible for the accuracy of the entries they capture — a photo, a spoken sentence or a QR beep that posts to the ledger.

AnKedai is in design and scouting its first merchant cluster. Features, surfaces and partner availability may change, and some are available only to selected pilots. The screens shown on this site are design references, not representations of a final shipped product; there is no public app to photograph yet, and we will not fake one.

To the extent permitted by law, AnKedai and Antrex are not liable for indirect or consequential losses arising from use of the platform or reliance on any ledger entry or filed invoice. These terms are governed by the laws of Malaysia. Questions: ankedai@antrex.app.