The company is founded and continue to offer comprehensive pawn broking business to their customer through Ar-Rahnu X’change (ARX Change) flag, a franchise owned by Rakyat Management Services (RMS). RMS is one of the subsidiary under Bank Rakyat that responsible and hold the rights to oversees all business operation and activities. Bank Rakyat had been in Ar-Rahnu business for about 26 years, since 1993.
Ar-Rahnu X’change offers immediate and easy cash loans with low levy rates in the Islamic pawn broking services. Aside from financing facilities, Ar-Rahnu X’Change also offers jewellery cleaning services as well as professional consultation and valuation service on gold and jewelleries. Veto Consortium Sdn Bhd now managed two franchise of Ar-Rahnu X’change which is Ar-Rahnu X’change Pasar Borong and Ar-Rahnu X’change Ampang Point.