Vietnam’s Ministry of Finance has proposed a draft amendment that would allow credit institutions to accept digital and virtual assets as collateral for commercial bank loans, expanding financing options for small and medium-sized enterprises. SMEs account for more than 98% of registered businesses in Vietnam but receive only 19% to 20% of total bank credit, underscoring the funding gap the measure is intended to address. According to the new report, if parliament approves the proposal in October 2026, it would take effect on July 1, 2027.