No.

ARK Malaysia does not operate a bank, payment service, cryptocurrency exchange, investment platform or lending business.

Our role is to assist with the assessment, documentation and navigation of complex financial cases.

No.

ARK Malaysia is not a law firm.

Our case support may involve organising facts, transaction records, timelines and supporting documents and helping clients understand possible pathways. Where a matter requires formal legal representation or legal advice, we advise our clients to engage our panel lawyers and legal consultants.

ARK Malaysia (formerly known as PSRIP, or Pusat Sumber & Resolusi Isu Perbankan Malaysia) was founded by a team of banking and finance professionals who built this initially as an internal service to help the growing number of clients who experienced frozen bank accounts. With time, our team and panel now consists of financial examiners, banking professionals, law enforcement consultants, private investigators and legal partners.

Our work may include cases involving:

• Restricted, inaccessible or frozen bank accounts
• Banking issues arising from suspected scam-related transactions
• Victims whose accounts have received disputed or suspected illicit funds
• Cryptocurrency and P2P-related banking complications
• Financial transaction tracing and case reconstruction
• Suspected financial fraud or scam-related cases
• Documentation and case preparation
• Cross-border financial or administrative cases
• Situations involving multiple banks, platforms, counterparties or authorities

Each case is assessed individually.

We may be able to assist with case assessment, documentation and resolution support, depending on the circumstances.

A bank may restrict an account for many different reasons, including internal risk controls, suspected fraud, regulatory requirements, law-enforcement requests or transaction-related concerns.

We cannot guarantee that a bank will remove a restriction.

Our role is to help you understand the situation, establish the relevant facts, organise supporting evidence and identify appropriate next steps.

No organisation outside the relevant financial institution or competent authority can honestly guarantee that an account will be unfrozen.

ARK Malaysia does not have the authority to instruct a bank to release an account.

What we can do is help assess the circumstances surrounding the restriction and support the preparation and navigation of appropriate resolution channels.

Potentially.

This can occur in situations where a person’s account receives funds that are later associated with a scam, fraud investigation or disputed transaction.

The account holder may not have known the source of the funds or may have been an innocent recipient.

The circumstances, transaction history and available evidence are important. We can assess the case based on the information provided and advise on appropriate next steps.

It can.

Peer-to-peer cryptocurrency transactions involve transfers between individuals, and a transaction may sometimes become connected to a wider fraud or scam investigation without the recipient being aware of the underlying circumstances.

This does not automatically mean that a person has committed an offence.

However, transaction records, platform records, communications, payment references and counterparty information can become important when explaining the circumstances of a transaction.

Depending on the circumstances, yes.

We can assess the available information and help you understand what happened, organise relevant records and identify appropriate channels for reporting, recovery attempts, documentation or further assistance.

Where criminal, legal or regulatory action is required, we may recommend involving the appropriate authorities or one of our panel experts.

We cannot guarantee financial recovery.

The possibility of recovering funds depends on factors such as when the incident occurred, where the funds were transferred, whether the funds remain traceable, the institutions involved, and whether recovery mechanisms remain available.

We can help assess the circumstances and identify appropriate steps, but we will never promise a recovery outcome that we cannot control.

The initial consultation is designed to understand the basic circumstances of your case.

We may ask about:

• What happened
• When it happened
• Which institutions or platforms were involved
• The transactions involved
• Whether any bank account or service has been restricted
• Whether a police report or other report has been made
• What documents or records you currently have

The purpose is to establish an initial factual picture and determine whether ARK Malaysia may be able to assist.

If available, useful documents may include:

• Bank statements
• Transaction receipts
• Payment references
• Screenshots
• Cryptocurrency exchange records
• P2P transaction records
• Chat or messaging records
• Emails
• Police reports
• Bank correspondence
• Notices or letters from authorities
• Identification documents
• Relevant contracts or agreements

Do not alter, delete or fabricate records.

That is common.

You do not need to know the reason before contacting us.

Tell us what you know, what the bank has communicated to you, what you were able to do before the restriction and what changed.

We can help organise the available information and identify what needs to be clarified.

There is no standard timeline.

The duration depends on the complexity of the case, the number of institutions involved, the availability of documents and the response times of external parties such as banks, platforms, authorities or other organisations.

We do not promise unrealistic turnaround times simply to obtain a client.

No.

No legitimate organisation can guarantee that a bank, regulator, law-enforcement agency, court or other independent institution will make a particular decision.

We can provide structured assistance and work toward the most appropriate lawful resolution pathway, but the final decision may remain with the relevant institution or authority.

We treat information provided to us seriously and only request information that is relevant to assessing or handling a case.

Before providing highly sensitive personal or financial information, clients should understand how their information will be collected, used, stored and disclosed.

Please refer to our Privacy Policy for further information.

No.

Never provide your:

• Online banking password
• ATM PIN
• One-time password (OTP)
• TAC
• Cryptocurrency wallet seed phrase
• Private key
• Exchange password
• Authentication codes

ARK Malaysia does not need these credentials to assess a case.

If anyone claiming to represent ARK Malaysia asks for such information, do not provide it and contact us through our official channels.

Be extremely cautious of anyone making such a promise.

ARK Malaysia does not have the authority to unfreeze a bank account by receiving money from a client.

Any legitimate fees or charges for professional services should be clearly communicated and documented before payment.

Use only our official communication channels published on this website.

Be cautious of individuals using our name, logo or identity without authorisation.

If you are unsure whether someone is genuinely affiliated with ARK Malaysia, contact us directly through the official contact information on this website before providing documents or making any payment.

No.

We do not possess regulatory or statutory authority over banks.

No.

We cannot interfere with or direct law-enforcement investigations.

No.

We cannot provide such a guarantee.

If you are facing potential criminal liability, you should seek advice from our panel lawyers and legal consultants.

ARK Malaysia is not a law firm and does not hold itself out as providing court representation.

Where court proceedings or formal legal representation are required, we may recommend that the matter be handled by one of our panel lawyers or legal consultants, while we support with our expertise and work.

Depending on the circumstances and the nature of the engagement, we may assist with the preparation of information and communications or coordinate with relevant parties where appropriate.

Any such action must be undertaken through lawful and appropriate channels.

ARK Malaysia provides a free initial consultation to understand the basic circumstances of a case.

The scope of any subsequent work, including applicable fees, will be explained before a client is asked to proceed with paid services.

Our initial assessment process is intended to establish whether the circumstances fall within the type of matters we handle.

If further professional services are appropriate, we will explain the proposed scope and applicable fees before proceeding.

We will tell you.

Not every financial case falls within our scope.

Where appropriate, we may recommend another channel, such as contacting the relevant bank, regulator, law-enforcement agency, ombudsman, lawyer or other qualified professional.

Remain calm and preserve your records.

Do not delete transaction history, messages or other evidence.

Gather your relevant bank statements, transaction records, receipts and communications. Record the date when you first became aware of the restriction and any communication you have received from the bank.

Do not attempt to move, conceal or destroy funds or records in an attempt to avoid an investigation.

If you believe you are the victim of a crime, consider making an appropriate report to the relevant authorities.

Document everything you know about the transaction.

Preserve:

• communications with the sender;
• transaction receipts;
• account statements;
• platform records;
• advertisements or listings;
• usernames and account information;
• dates and times;
• any explanations you received from the counterparty.

Do not fabricate or modify evidence.

A clear chronological record can be important when explaining the circumstances of a transaction.

Yes.

Being the victim of a scam does not make you responsible for the actions of the scammer.

The most important thing is to preserve evidence and seek appropriate assistance as early as possible.

Yes.

You do not need to diagnose your own case before contacting us.

Provide a brief description of what happened and the relevant institutions involved. We can determine whether the matter appears to fall within our scope and explain what information may be required for an initial assessment.

Please use the official contact details published on this website.

For your security, verify that you are communicating through an official ARK Malaysia channel before sharing sensitive personal, banking or financial information.