7 Powerful Reasons Why ESG Compliance in Vietnam Will Win You Trust, Growth, and Global Clients

  Trust matters. Today, more than ever.

Across industries, many companies are now being asked. directly or indirectly, to demonstrate ESG compliance in Vietnam. This request may come from a foreign buyer. Or a lender. Or a government official. But the meaning is the same: prove that your business is responsible.

Buyers ask questions. Investors dig deeper. Governments introduce new rules. Suddenly, and in an interesting way, it is not just about making money. It is about how the money is made.

In Vietnam, businesses are waking up to a new challenge. One that does not come from taxes or competitors. But from three small letters that carry big weight: ESG.

You might have heard the term before. Maybe in a meeting. Maybe on the news. Maybe in a proposal that didn’t go through.

If you are still unsure, you are not alone.

In here, we will explain why ESG compliance in Vietnam is no longer a trend. It is now a business language. One that speaks to profits, people, and the planet.

And for businesses that understand it early, it creates a powerful edge.

ESG compliance in Vietnam

The New Business Requirement You Can’t Afford to Ignore

In the past, legal compliance was enough. Follow the law. Pay your taxes. Stay out of trouble. And business would be just fine.

Not anymore.

Customers are asking where your products come from. Investors want to know how you treat your workers. Regulators are monitoring your environmental impact.

This is not just happening in developed countries. It is happening in Vietnam too. More and more companies are being asked to demonstrate that they understand, apply, and improve ESG standards.

The idea of ESG stands for:

• Environmental (reducing pollution, saving energy, using resources wisely),
• Social (fair labor, community support, worker safety), and
• Governance (good leadership, anti-corruption, transparency).

For any company trying to grow, trade internationally, or attract funding, ESG compliance in Vietnam is no longer optional. It is expected.

A Competitive Advantage for the Businesses Who Get It Right

While some companies feel ESG is a burden, the smart ones see it differently.

ESG is a chance. A doorway. A reputation builder.

When you understand ESG compliance in Vietnam, you gain:

• Easier access to foreign buyers
• Better chances of funding or credit
• A stronger reputation in your industry
• Loyal customers who value ethics
• Lower long-term risks

We will help you break down what ESG really means in simple terms, how it applies in Vietnam, and what steps to take to turn ESG into a tool for success, not just survival.

The Vietnam Business Scene Is Changing

Let’s imagine two factories. Both are in Vietnam. Both make the same product. Both offer similar prices.

But one factory has documented environmental practices, provides health insurance to workers, and publishes transparent business reports. The other does not.

Now imagine a buyer is choosing a supplier. Guess who they will pick?

This situation is not rare. It is becoming the rule, not the exception.

Vietnam’s position in global supply chains is growing. But with opportunity comes expectation.

Foreign partners want to work with companies they can trust. ESG compliance in Vietnam helps businesses signal that trust. It shows that a company is thinking long-term, not just short-term. And it shows that you care, not only about the bottom line, but also about how the business impacts the world.

What’s Driving ESG Compliance in Vietnam and Why It’s Real

Here are seven real reasons why ESG compliance in Vietnam is becoming a necessity for businesses:

Trade Agreements Demand It

Vietnam is part of multiple free trade agreements, like the EVFTA and CPTPP. These agreements include commitments on labor rights and the environment. That means businesses that want to enjoy the benefits of these deals must also comply with ESG-related obligations.

Foreign Investors Are Setting Higher Standards

When foreign companies invest in Vietnam, they now often ask about ESG risks. They want to know: are you polluting local rivers? Are you using child labor? Are your contracts transparent? If the answer is unclear, they may walk away or demand expensive audits.

Local Regulations Are Evolving

Vietnam’s laws are catching up. The latest Environmental Protection Law, Labor Code, and Enterprise Law include many ESG principles. Listed companies must already report on environmental and social matters. This pressure is likely to grow and spread to private companies.

ESG Compliance in Vietnam Saves You Money in the Long Run

Companies with ESG systems in place often have fewer fines, better risk management, and more stable teams. By preventing problems early, businesses can avoid lawsuits, protests, and costly shutdowns.

Consumers Are Changing Their Expectations

People, especially younger generations, want to buy from responsible brands. Whether in retail, food, services, or real estate, customers now look beyond the product. They want to know who made it, and how.

When companies show strong ESG compliance in Vietnam, they earn trust. And trust brings loyalty.

Financial Institutions Prefer ESG-Aligned Borrowers

Banks and investment funds are slowly introducing ESG compliance in Vietnam checks before approving loans or deals. That means companies without proper ESG practices may face higher interest rates or be excluded altogether.

Major Supply Chains Are Getting Stricter

If you supply to a foreign brand, you may be part of an ESG audit soon, if not already. Large buyers are now asking Vietnamese suppliers to provide documents, reports, and even allow site visits to ensure ESG compliance in Vietnam. Companies that fail may lose contracts, while those who prepare will gain more business.

How to Build ESG Compliance in Vietnam Into Your Business

If your business is new to ESG, here is a basic roadmap:

Start With a Self-Assessment

Review your current operations. Ask yourself:

• Are we following environmental rules?
• Do we treat our employees fairly?
• Are our financial and business records transparent?

Identify areas where improvements are needed. This helps set a clear starting point.

Draft Practical ESG Policies

Start with short, clear policies:

• Environmental: How you manage waste, water, or emissions.
• Social: Employee contracts, safety rules, and community involvement.
• Governance: Company rules, ethics code, and anti-corruption policies.

Make these policies part of your training and daily routines.

Work With Local Legal Advisors

You do not need to figure out ESG compliance in Vietnam alone. Local legal consultants can help interpret relevant laws, assess risks, and draft suitable internal policies. The cost of professional advice is far lower than the cost of making a mistake in ESG matters.

Prepare for Reporting and Documentation

Begin collecting basic data:

• How much electricity and water you use
• What benefits you provide to employees
• How you manage workplace safety

This information will help if you are ever asked for an ESG report or audit.

Communicate Honestly and Regularly

If you’re making progress on ESG, tell your stakeholders. Put it in your company profile. Mention it in buyer meetings. Create a simple page on your website. But never exaggerate, greenwashing can backfire.

The Future Belongs to Businesses That Prepare Today

ESG is not about perfection. It’s about direction.

Even small improvements show that you are moving toward responsibility, sustainability, and integrity. And in the business world, those three values build something rare: trust.

Companies that embrace ESG compliance in Vietnam now will be the ones who win later, winning contracts, winning respect, and winning growth.

Whether you’re a small factory, a mid-sized exporter, or a growing startup, it’s never too early to start. ESG is not a cost. It’s an investment in your future.

About ANT Lawyers, a Law Firm in Vietnam

We help clients overcome cultural barriers and achieve their strategic and financial outcomes, while ensuring the best interest rate protection, risk mitigation and regulatory compliance. ANT lawyers has lawyers in Ho Chi Minh city, Hanoi,  and Danang, and will help customers in doing business in Vietnam.

Source: https://antlawyers.vn/update/esg-compliance-in-vietnam.html

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What 7 Crucial Truths About Arbitration in Vietnam Every Foreign Company Must Know Today?

  Let’s face the fact, as business owners or directors, would you normally look at dispute resolution clauses. Or most of the time, you only focus on the price offered to the clients and imagine about how much profit the company would make if such contract is delivered and how to achieve the target given by the superiors.  In realities, there is a chance, the contract runs into a dispute, and arbitration in Vietnam is dispute resolution mechanism.

There are business owners and directors whom know about arbitration in their home countries. But each country might have its own characteristics to run about arbitration. 

There are countries which follow UNCITRAL Model Law, there are countries which adopt many principles of the UNCITRAL Model Law, and there are countries which do not follow UNCITRAL Model Law.

On that aspect, arbitration in Vietnam could be different from arbitration in other countries.

Arbitration in Vietnam can feel like a maze with hidden traps, especially if you’re a foreign company caught in a commercial dispute without a clear path forward.

If you’re doing business in Vietnam and find yourself facing a disagreement, whether over contract terms, delivery timelines, or payment obligations, and if you’re unprepared, it could become an expensive, time-consuming nightmare.

In here, we explain how arbitration in Vietnam works. We also explain the risks, your options, and the strategic moves you must make now to avoid serious loss.

7 Crucial Truths About Arbitration in Vietnam

Understanding Arbitration in Vietnam: Not Just Another Legal Process

Arbitration in Vietnam is a private, legally recognized method of resolving disputes without going through the court system.  It’s not simply a faster trial, it’s a contract based process that must follow agreed upon rules and procedures.

Under Vietnamese law, arbitration is governed by its own legal framework, which is the law on commercial arbitration and it’s especially relevant when:

• A commercial contract contains an arbitration clause
• The parties prefer confidentiality
• Enforcing the outcome across borders is important

For foreign companies, understanding arbitration in Vietnam means knowing:

• The process is binding and final
• The law honors arbitration clauses
• Time and procedure are everything
• Silence or delay can lead to default

Is it right Arbitration in Vietnam starts to be accepted, but many foreign investors misunderstand or underestimate its formality. This is where trouble begins.

The Legal Framework: What Powers Arbitration in Vietnam?

Arbitration in Vietnam is regulated in Vietnamese law.

The main legal basis includes:

• The Law on Commercial Arbitration
• The Civil Procedure Code (for enforcement)
• International conventions Vietnam has ratified (notably the New York Convention on the enforcement of foreign arbitral awards)

These laws give arbitration real power. An arbitral award has the same enforceability as a court judgment, provided the process followed the rules.

Key features of arbitration under Vietnamese law:

• Parties must have a written arbitration agreement (e.g., in a contract)
• Proceedings are confidential
• Arbitrators can be Vietnamese or foreign, depending on the agreement
• Awards are final and binding
• Courts can support and enforce arbitration, but cannot interfere with its merits

What this means for foreign companies: You must take your arbitration clause seriously. Once a dispute starts, you’re already on the clock.

Common Triggers for Arbitration in Vietnam

Many foreign companies don’t even realize they’re in arbitration territory, until it’s too late.

Common disputes that lead to arbitration in Vietnam include:

• Contractual breach (delivery, quality, payment)
• Joint venture breakdowns
• Construction delays or cost overruns
• Shareholder or partnership disputes
• IP or technology licensing violations

Often, these disputes do not start with too much warnings. Instead, one party stops replying. Deadlines pass. A dispute notice is issued. Suddenly, the case is in arbitration, and the foreign company is still “waiting for a reply” that never comes.

That is how companies forfeit their procedural rights before they even realize there is a case.

How the Arbitration Process in Vietnam Works

Foreign businesses are often surprised by how structured arbitration in Vietnam is.

Here’s a quick view of the process:

Step 1: Arbitration Notice

One party submits a written notice of arbitration, outlining the claims, the contract, and the chosen rules.

Step 2: Response and Counterclaims

The other party typically has 30 days to respond (depending on the agreed rules). Failure to respond can result in default proceedings.

Step 3: Appointment of Arbitrator(s)

Each party may appoint one arbitrator, and a third may be jointly appointed if required.

Step 4: Preliminary Conference

Arbitrators and parties agree on procedure, schedule, document exchange, and hearing dates.

Step 5: Evidence and Hearings

Both sides submit written arguments, documentary evidence, and possibly expert reports. Hearings may be held in person or online.

Step 6: Final Award

The arbitral tribunal issues a decision that is final and binding.

The process follows strict timelines. Ignoring notices or failing to hire arbitration experienced legal counsel can worsen your defense.

Enforcement of Arbitral Awards

1. Enforcing an award in Vietnam

If the award is rendered in Vietnam, you can apply to the local court to enforce it. The court may review the award for procedural issues but cannot overturn it just because a party dislikes the outcome.

2. Enforcing a foreign award in Vietnam

As Vietnam is a member of the New York Convention, foreign arbitral awards can be recognized and enforced, but:

• The award must not conflict with principles of Vietnam law
• Translation and certification must be in order
• The defendant must be properly notified during arbitration

Enforcement can take several months. Local counsel is essential to navigate court procedures and avoid delays.

Winning the award is just part of the battle. Proper enforcement planning is critical.

Drafting Smart Arbitration Clauses in Vietnam-Related Contracts

Many arbitration disasters stem from poorly drafted clauses.

When working with Vietnamese partners, foreign companies should ensure:

• The arbitration clause clearly states the seat (location) of arbitration
• It specifies the number of arbitrators
• The rules (institutional or ad hoc) are referenced clearly
• The language of arbitration is agreed
• Enforcement is considered based on assets and applicable laws

The best time to prepare for a dispute is before it happens. A well drafted arbitration clause can save a lot of cost and time.

5 Mistakes Foreign Companies Make in Vietnamese Arbitration (and How to Avoid Them)

1. Ignoring Early Red Flags

Not responding to demand letters, notices of arbitration, or procedural emails can lead to loss of rights or a default award.

2. Hiring the Wrong Lawyer

A general business lawyer may not understand the specific rules, deadlines, and tactics of arbitration. You need arbitration counsel, preferably with cross-border experience.

3. Relying on Informal Communication

Sending an email to “explain your side” is not a valid response. Arbitration requires formal submissions under strict rules.

4. Underestimating Translation and Language Issues

Submissions and evidence must often be translated. Mistranslations can cost you the case.

5. Failing to Think About Enforcement

Before you even file a claim, consider: Where are the assets? Will you be able to enforce a win?

Arbitration in Vietnam rewards the well-prepared, and punishes those who think it’s just a formality.

Arbitration in Vietnam Is a Powerful Tool

Foreign companies entering Vietnam often focus on growth, partnerships, and opportunity. But contracts, disputes, and enforcement are part of the landscape too.

Arbitration in Vietnam offers a confidential, enforceable, and relatively efficient method of dispute resolution, but only when companies:

• Understand the rules
• Respond promptly
• Draft their contracts carefully
• Work with the right advisors

The stakes are high. But with knowledge, preparation, and strategy, arbitration in Vietnam can work in your favor, even across borders and legal systems.

About ANT Lawyers, a Law Firm in Vietnam

We help clients overcome cultural barriers and achieve their strategic and financial outcomes, while ensuring the best interest rate protection, risk mitigation and regulatory compliance. ANT lawyers has lawyers in Ho Chi Minh city, Hanoi,  and Danang, and will help customers in doing business in Vietnam.

Source: https://antlawyers.vn/arb/arbitration-in-vietnam-7-truths.html

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7 Bold Reasons Why Tokenization in Vietnam Could Transform Your Future

  Change is coming.

Quietly. Digitally. Rapidly.

Let’s imagine the situation, which assets are no longer limited to paper or property titles. They are becoming lines of code. From real estate and company shares to music rights and digital collectibles, ownership is being reimagined. Vietnam is at a turning point, and tokenization in Vietnam could bring a foundational shift.

What stands in the way? Legal uncertainty.

What stands to gain? Everyone, from young investors and artists to small businesses and global developers.

Tokenization in Vietnam Is Reshaping the Way We Think About Value

Tokenization means turning rights to an asset into a digital token. It allows anything with value, land, art, shares, or content, to be represented, owned, and exchanged digitally on secure platforms.

For Vietnam, this offers an opportunity to catch up with the world.

Not only can it expand access to investment, but it also encourages transparency and inclusion.

Imagine a startup sharing early-stage ownership through tokenized equity.

Or a digital artist selling music rights directly to supporters through a secure platform.

In each case, value becomes portable, divisible, and tradable, no paperwork required.

While the technology is already here, the rules are not. And that is where the real challenge lies.

Vietnam Has the Foundations to Lead in Digital Asset Innovation

Vietnam is no stranger to fast change.

Its digital landscape is dynamic, entrepreneurial, and filled with forward looking minds. With growing interest in technology, digital finance, and decentralized systems, the country is naturally positioned to benefit from tokenization.

But change does not happen automatically.

It must be built. Intentionally.

If Vietnam can design a flexible, clear, and inclusive legal environment, it could become a launchpad for innovation in areas like:

• Crowdfunded ventures using tokenized shares
• Digital identity tools with token-based access
• Culturally driven NFTs representing heritage or art
• Secure real estate investment through tokenized property units

By laying the legal groundwork, tokenization in Vietnam could unlock new markets, empower individuals, and create a financial system that is more open and efficient.

A Day in the Life of a Tokenized Vietnam

Picture this.

A small business issues digital tokens representing ownership in its next big product. Supporters from different places contribute directly and track the journey in real time.

An apartment building is divided into digital tokens. A first time investor, with limited capital, buys a small fraction of a unit and starts earning rental income through an app.

A musician releases a song and issues limited edition rights. Fans purchase tokens that prove ownership and share in the future success of the music.

No banks. No long queues. No unnecessary fees.

Just trust built through code, rights verified on a secure platform, and ownership accessible to all.

The World Is Shifting, and Vietnam Is Poised to Respond

The idea of tokenization is not limited to any one country. Around the world, businesses and governments are experimenting with new ways to handle assets, identity, and exchange through digital tokens.

These changes are not only technical. They represent a shift in how people interact with value, how they invest, and how they build trust online.

Vietnam’s technology community is already showing strong interest. Developers are exploring how blockchain and decentralized apps can improve access and transparency. New platforms are being tested. Digital communities are forming. And curiosity is spreading fast.

Yet in the absence of legal clarity, confusion can slow progress. Without a roadmap, good ideas may never leave the drawing board.

What Vietnam Needs to Do to Turn Potential into Reality

If tokenization is to thrive, Vietnam must be both bold and wise. Below are seven practical steps that can guide its journey.

Create Legal Sandboxes for Token Experiments

Allow companies to test real world applications in controlled settings, where risks are limited but lessons are abundant. These environments can help refine regulation while giving businesses a safe space to innovate.

Define Digital Assets in Law

A comprehensive legal framework should recognize tokenized assets and outline how ownership, transfer, and protection work in practice. Without definitions, rights become vague, and trust disappears.

Establish a Cross-Sector Authority

Tokenization touches finance, real estate, technology, education, and even culture. A unified regulatory body can coordinate policy, monitor activity, and advise on implementation across sectors.

Promote Responsible International Cooperation

Engagement with global regulatory counterparts is essential. Shared standards and mutual recognition help prevent exploitation and build international trust in Vietnamese digital markets.

Educate for the Future

New tools require new understanding. From schools to startups, people need to know how tokenization works, what it means, and how to use it wisely. Public literacy will be essential.

Support Local Innovation

Incentives, grants, or public-private partnerships can help local developers create digital asset platforms, tokenization tools, and regulatory technology. Homegrown solutions will reflect local needs.

Prioritize Security and Ethical Use

Tokens must not become tools for abuse. Strong cybersecurity standards, anti-fraud measures, and ethical safeguards will ensure that the system supports, rather than undermines, public interest.

A Smart and Inclusive Economy Begins with Digital Law

Tokenization in Vietnam does more than digitize value. It redefines how we think about ownership, participation, and opportunity.

It is not just about investing.

It is about creating a system where value can flow more freely, where a farmer, an artist, or a student can all participate in the economy with fewer barriers.

But trust must come first. And trust starts with rules.

Just like physical property requires deeds and titles, digital assets require legal recognition and protection. That includes:

• Clear guidance on how digital tokens are created and managed
• Dispute resolution tools when problems arise
• Consumer protection in case of fraud or system failures
• Pathways for enforcement without overregulation

A Moment to Act, a Future to Shape

We are not waiting for the future. It is already happening. Quietly. Digitally. All around us.

Tokenization is changing the way the world works, invests, and grows. Vietnam has the opportunity to shape that future, not by copying others, but by building its own path with care, courage, and collaboration.

There will be obstacles. There will be mistakes. But there is also a chance to participate early.

Because tokenization in Vietnam could be no longer a question of if. It is a question of how well we will manage it. And the answer depends on what we choose to do next.

About ANT Lawyers, a Law Firm in Vietnam

We help clients overcome cultural barriers and achieve their strategic and financial outcomes, while ensuring the best interest rate protection, risk mitigation and regulatory compliance. ANT lawyers has lawyers in Ho Chi Minh city, Hanoi,  and Danang, and will help customers in doing business in Vietnam.

Source: https://antlawyers.vn/fintech/tokenization-in-vietnam.html

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Vietnam P2P Lending: 5 Bold Reasons Why Decree 94/2025 Could Empower Millions or Backfire?

  

A New Financial Chapter Begins in Vietnam

One person lends. Another borrows. It’s that simple.

No banks. No long lines. No intimidating paperwork. Just people lending people, through a screen, across the country, in real time.

This is the promise behind Vietnam P2P lending.

And now, Vietnam’s government decided to give this new kind of lending a chance officially after the gray market has been around for some time.

Through Decree 94/2025/ND-CP, Vietnam approved a two year trial program for peer-to-peer lending platforms.

Starting July 1, 2025 licensed fintech companies will be allowed to operate in a legal “sandbox”, a space to test and grow under supervision.

Why now? Because the world is changing, and so is Vietnam. Many still struggle to access credit through banks. But mobile phones are everywhere. So is the desire to build, borrow, and grow.

But it’s not just about access. It’s about control, fairness, and trust. Vietnam P2P lending has already been growing quietly. This new step brings it into the open, with guidance and rules.

In here, we explore five reasons behind this bold move: the rise of fintech, the need for transparency, the importance of regulation, the push for inclusion, and the role of global influence. Along the way, we’ll see how Vietnam is shaping its own path toward safer, smarter finance.

Vietnam p2p lending

Supporting Fintech Growth in Vietnam with Rules

The digital world is moving fast, and Vietnam is part of that movement.

Across the country, people are using apps for everything, from shopping to paying bills. Finance is no exception. New platforms are popping up that offer loans in minutes, without needing to walk into a bank.

This is where Vietnam P2P lending comes in. It allows individuals to lend money to each other through online platforms. Borrowers apply through an app. Lenders review the request and transfer funds. All of it happens online.

These platforms often serve people that traditional banks overlook—small business owners, workers, or anyone without a formal credit history. With technology, decisions can be based on behavior, not just bank statements.

But for a long time, this activity wasn’t clearly allowed. Platforms operated quietly, unsure if they were stepping over a legal line. At the same time, users didn’t always know if they could trust the process.

By creating a sandbox, the government is encouraging this innovation, but with limits. Only approved companies can join. They must show that they can protect users and manage risk.

This gives the fintech sector room to grow, while giving the public a safer way to access it. It shows that Vietnam is ready to support new ideas responsibly.

Bringing Transparency to an Unclear Market

For years, Vietnam P2P lending platforms operated with little oversight. Some charged unclear fees. Others used aggressive methods to collect money. Many didn’t fully explain the risks to users.

This led to confusion, and sometimes harm.

The government couldn’t monitor the activity, because there were no specific rules. And when problems arose, people didn’t know where to turn. It became hard to tell the difference between real services and scams.

With Decree 94/2025, this changes.

Now, only licensed platforms can operate in the sandbox. They must report their activities. They must explain their terms clearly. They must protect user information.

This step toward transparency builds trust. When people understand how things work, they’re more willing to use them. And when companies follow the same rules, fair competition grows.

Transparency also means fewer surprises. Borrowers know what they’ll pay. Lenders know what they’re taking on. And everyone knows who’s responsible when something goes wrong.

By bringing P2P lending into the open, Vietnam is protecting its people—while still giving space for creativity and growth.

Catching Up with Reality: From Loopholes to Law

Until now, Vietnam P2P lending was treated as a private agreement between individuals. There was no separate law or category for this kind of activity. It existed somewhere between finance and technology, seen, but not defined.

This created problems. Without a proper legal framework, bad actors could take advantage of the system. Interest rates ran wild. Contracts were unclear. And when disputes happened, it was hard to find a fair solution.

That’s why Decree 94/2025 matters. It doesn’t solve every issue. But it’s a start.

The sandbox gives the government a chance to test real models in real time. It allows the State Bank of Vietnam to see what works, what doesn’t, and where more rules are needed. It also gives companies a clear path to follow, and a chance to prove themselves.

This is not about punishment. It’s about responsibility.

By catching up with what’s already happening, Vietnam can shape P2P lending into something stronger and safer. Something that reflects the needs of both lenders and borrowers.

Other countries have faced similar challenges. Some regulated too late and saw their markets collapse. Vietnam is taking a more careful path, moving forward, but with its eyes open.

Making Credit in Vietnam More Accessible

In many parts of Vietnam, getting a loan is still difficult.

Traditional banks have strict requirements. They ask for long histories, official jobs, and formal assets. Many people, especially freelancers, young workers, or those in rural areas don’t meet those standards.

Vietnam P2P lending offers another way. It allows individuals to support each other. One person can lend a small amount. Another can borrow to buy tools, pay tuition, or start a project. Over time, these connections grow.

This kind of lending is often faster, simpler, and more personal than going through a bank. And for borrowers, it can feel more fair. They’re judged by their actions, not their background.

For lenders, it’s also a way to earn money. Instead of saving in a bank, they can invest in real people and real goals.

But inclusion is only valuable if it’s safe. That’s why the sandbox matters. It ensures that only approved companies can operate. It sets limits. It creates space for growth, but also guardrails.

By making Vietnam P2P lending more accessible and more protected, the government is helping expand opportunities for people who’ve often been left out.

Building Vietnam’s Own Path

Around the world, countries are experimenting with P2P lending. Some have created big markets. Others have faced serious setbacks. Vietnam has been watching, and learning.

What makes Vietnam’s approach different is its balance. It’s not rushing into a fully open market. It’s not banning new tools, either. It’s choosing a path of careful testing.

Only a few companies will join the sandbox. They must follow strict rules. They must report their data. They must show that they can serve people well.

It allows Vietnam to create its own model, one that fits local needs, values, and strengths. It supports local businesses. It protects users. And it gives the government real information before making permanent laws.

Over time, this could become a strong foundation for financial technology in Vietnam. It could open the door to more tools, better services, and smarter rules.

Vietnam P2P lending is part of a bigger picture. It’s one piece in a new kind of economy, one that’s digital, inclusive, and resilient.

Small Steps with Big Meaning

Vietnam is not following trends. It’s setting its own pace.

With Decree 94/2025, the country is not just allowing Vietnam P2P lending. It’s guiding it. Supporting it. Watching it closely.

This is a thoughtful, careful step into a changing world. One that recognizes the needs of ordinary people. One that values both freedom and protection.

Vietnam P2P lending is still young. Mistakes may happen. But the direction is promising.

By focusing on safety, fairness, and inclusion, Vietnam is showing that financial innovation doesn’t have to come at the cost of public trust.

About ANT Lawyers, a Law Firm in Vietnam

We help clients overcome cultural barriers and achieve their strategic and financial outcomes, while ensuring the best interest rate protection, risk mitigation and regulatory compliance. ANT lawyers has lawyers in Ho Chi Minh city, Hanoi,  and Danang, and will help customers in doing business in Vietnam.

Source: https://antlawyers.vn/update/vietnam-p2p-lending.html

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