Panpay Holdings Sdn Bhd is a licensed multi-level marketing company selling skincare and cosmetic products. Some of the products include wrinkle reducing eye cream, skin soothing ampoule, daily skin balancing lotion, breakout control anti blemish cream and seawater hydrating mist. All the products are halal and approved under the Control of Drug and Cosmetic Regulation 1984 by the Ministry of Health Malaysia.

Panpay believes health and beauty comes from within and without and continuously carry out research and development to ensure that all products sold are of the highest quality.

A lucrative and sustainable plan awaits all users and members. Panpay aims to create history by being the first multi-level marketing company to create a “waqf-preneur” platform to ensure that everyone can participate in this business and benefit from it.


Smartlink Asia Bhd is a newly established company engaged in the business of app developer and is seeking to develop a super app in line with apps such as Grab, Gojek, Wechat. Smartlink has already started to develop the initial functions of the app and hope to launch it by end 2021.

Smartlink has already signed with Managepay Services Sdn Bhd where Managepay shall act as the technology provider for its payment solutions.

Super app is the current trend as consumers are looking for convenience and efficiency in managing their day-to-day activities and entertainment. Companies which develop apps and super apps are also on the rise especially with Grab going for listing via the SPAC (Special Purpose Acquisition Company) on Nasdaq.

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GFI BIOTECH believes that due to the hustle and bustle of everyday lives, people nowadays tend to neglect their body in search of their career and wealth. Gfi Biotech believes that health is the beginning of all wealth, therefore Gfi Biotech strives hard to deliver innovative reliable and effective products that works combined with a lucrative plan to create wealth for the consumers.

Biotechnology is the use of biological systems found in organisms or the use of the living organisms themselves to make technological advances and adapt those technologies to various different fields. These include applications in various fields from agricultural practice to the medical sector. It does not only include applications in fields that involve the living, but any other field where the information obtained from the biological aspect of an organism can be applied.

Biotechnology is particularly vital when it comes to the development of miniscule and chemical tools as many on the tools biotechnology uses exist at the cellular level. Biotechnology harnesses cellular and biomolecular processes to develop technologies and products that help improve our lives and the health of our planet. We have used the biological processes of microorganisms for more than 6,000 years to make useful food products, such as bread and cheese, and to preserve dairy products.

Biotechnology is applied in the healthcare sector is the development of pharmaceuticals that have proven problematic to produce though other conventional means because of purity concerns. This is where Gfi Biotech comes in with their proven products from reliable sources. A lucrative plan to market the products enables consumers to recommend the products to their friends and family for their health and earn some extra wealth at the same time.

Gfi Biotech is also very much involve in research and development as Gfi Biotech believes that only with R&D can a company grow with the times and to provide the best healthcare and products to the consumers


Financial Technology, or FinTech is the new technology and innovation that aims to compete with traditional financial methods in the delivery of financial services. The Banking, Financial Services and Insurance (BFSI) industry is being redefined with the evolution of FinTech. Despite being new, the growth rate is phenomenal and it is expected to remain so over the coming years.


Finaz Morgan Group Sdn. Bhd under the RICHWOOD GROUP engages in consultation and marketing of finance technology products. Finaz Morgan Group Sdn Bhd uses the Blockchain Technology and Artificial Intelligence (Ai) to provide the best products and services to its clients.

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QMIS Richwood Blacktech is the joint venture technology solution company of QMIS and Richwood.

QMIS Richwood Blacktech currently has an online e-commerce website, ezymart selling numerous products including halal products and buy malaysia products.

QMIS Richwood Blacktech is planning to create a digital platform for QMIS Labuan Investment Bank for their digital and online business providing financial solutions services which will be created by Richwood team of engineers.

Richwood is in collaboration with a team of software engineers doing research and development and will be the technology service provider to QMIS Richwood Blacktech.

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PANTOP MILLENNIUM is a management and consulting firm specialising in independent, professional advisory service assisting managers and organizations to achieve organizational purposes and objectives by solving management and business problems, identifying and seizing new opportunities, enhancing learning, and implementing changes.

Pantop Millennium specialises in project management which is the practice of initiating, planning, executing, controlling, and closing the work of a team to achieve specific goals and meet specific success criteria at the specified time.

The object of project management is to produce a complete project which complies with the client's objectives. In many cases the objective of project management is also to shape or reform the client's brief to feasibly address the client's objectives.

A project is a temporary endeavour designed to produce a unique product, service or result with a defined beginning and end (usually time-constrained, and often constrained by funding or staffing) undertaken to meet unique goals and objectives, typically to bring about beneficial change or added value.

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RICHWOOD LEGACY is an investment holding company acting as a special purpose vehicle for Richwood projects. One of the current projects that Richwood Legacy is involved in, is a strategic partnership Damanyu Healthcare Sdn Bhd for the distribution of medical/surgical disposable face mask.

With the current pandemic situation, most companies are jumping on the bandwagon of distributing face mask as it is now a necessity. Richwood Legacy decided to joint venture with Damanyu Healthcare as we believe in their products and we hope to make a difference with this venture, encouraging a new norm for healthcare.

Richwood Legacy will continuously look out for more viable and sustainable projects to invest and engage in to increase the revenue for the company while still maintaining the quality and integrity of the company.


CASTFIELD INTERNATIONAL EDU GROUP SDN BHD is a subsidiary of Richwood Ventures Bhd that deals in education. Castfield has signed an Agreement with My Group Education Sdn Bhd to collaborate on the UTMSpace Campus in Kampar.

Castfield will assist My Group Education to recruit students for the university and to turn their remaining unsold units into sales, inviting investors to purchase the units and entrust us to manage their property for keys collection, renovation, maintenance & rental collection. Our team is specialized in transforming a property from dilapidated to an ID designed at minimal cost.

Castfield will also come up with blockchain and technology courses for students to be competitive in this high technology era. Being part of the Richwood Group of companies, Castfield is also able to recruit outstanding students to be employed in one of the subsidiaries under the Richwood Group.