New travel to Thailand and Malaysia, please advise on the best way to allocate funds

It is recommended to bring US dollars. The US dollar is a common currency and the exchange rate abroad will be higher than the RMB. If you have Thai baht, bring it with you. If not, it is not recommended to exchange it at home. Most shopping malls in Singapore, Malaysia and Thailand Credit cards are accepted, so it is recommended to bring a credit card. The exchange rate will be based on the quoted price of the day, which is very simple and convenient.