Vietnam's government has proposed allowing small and medium-sized enterprises to pledge digital assets and intellectual property as collateral for bank loans — a significant policy shift that would formally integrate crypto and intangible assets into the country's mainstream credit system.
For Vietnam's SME sector, which has historically struggled to access bank financing due to a lack of traditional hard collateral, the proposal opens a meaningful new funding channel. Digital assets and IP portfolios — often a startup's most valuable holdings — would gain legal standing as bankable security.
If enacted, the framework would position Vietnam among the more progressive emerging-market economies on digital asset adoption, and could accelerate both crypto legitimacy and fintech lending infrastructure across Southeast Asia.
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