Indonesia Crypto Regulation: What You Need to Know

When dealing with Indonesia crypto regulation, the collection of laws, licensing rules, and tax guidelines governing digital assets in Indonesia. Also known as Indonesian digital asset policy, it shapes how companies and users interact with cryptocurrencies.

A core pillar is crypto exchange licensing, the process by which platforms obtain government approval to list, trade, and custody digital assets. The framework Indonesia crypto regulation also demands AML/KYC compliance, anti‑money‑laundering and know‑your‑customer checks required of businesses and traders, and sets out a cryptocurrency tax policy, rules that define how capital gains, staking rewards and transaction fees are reported and taxed. In short, Indonesia crypto regulation encompasses licensing, requires AML/KYC, and influences tax treatment.

Licensing is not just a checkbox. Platforms like Korbit had to submit detailed security audits, prove adequate liquidity and demonstrate a clear anti‑fraud roadmap before the Financial Services Authority (OJK) granted a Digital Asset Trading License. Without that approval, an exchange cannot legally accept Indonesian rupiah deposits or advertise to local users. The licensing fee structure, renewal cycles and reporting obligations are all spelled out in the 2024 amendment, making compliance a continuous effort.

On the AML/KYC front, the Ministry of Finance requires every crypto service provider to integrate real‑name verification, monitor transaction thresholds, and file suspicious activity reports (SARs) within 48 hours. The government has also partnered with the Financial Transaction Reports and Analysis Centre (PPATK) to create a shared database of high‑risk wallets. Failure to meet these standards can result in fines up to 5 % of annual revenue or outright suspension of the operating license.

Tax treatment has become clearer after the 2025 budget revision. Profits from spot trading are treated as capital gains and taxed at a flat 15 %, while staking rewards fall under ordinary income and attract the progressive personal income tax rates. Exchanges must issue annual tax statements to users, and individuals are required to report crypto holdings over IDR 200 million on their SPT filing. The tax authority provides an online portal for self‑assessment, reducing the need for third‑party accountants.

The ripple effect reaches beyond traditional exchanges. Decentralized finance (DeFi) platforms that offer liquidity pools or yield farming to Indonesian users are now expected to register as Virtual Asset Service Providers (VASPs) and follow the same licensing and reporting standards. This aligns Indonesia with regional peers such as the UAE, which introduced a Crypto Asset Service Provider licence in 2023, and Nigeria, which rolled out a VASP framework earlier this year.

Recent drafts suggest an even tighter stance on anonymous wallets and cross‑border token swaps. Draft Regulation No. 23/2025 proposes a mandatory real‑name binding for all wallet addresses interacting with domestic services, and it sets a 30‑day window for authorities to freeze assets linked to illicit activity. Businesses should start preparing by integrating on‑chain identity solutions and updating their compliance SOPs.

For anyone looking to launch a crypto product or simply trade safely in Indonesia, the practical steps are clear: 1) secure a Digital Asset Trading License or VASP registration; 2) build robust AML/KYC pipelines that feed data to PPATK; 3) implement tax‑reporting modules that generate the required SPT statements; and 4) stay alert for updates from OJK and the Ministry of Finance. Following this roadmap keeps you on the right side of the law and builds trust with users.

Below you’ll find a curated collection of articles that dive deeper into each of these areas – from exchange reviews and licensing guides to tax breakdowns and comparative regulatory analysis. Explore the posts to see how the rules play out in real‑world scenarios and get actionable insights for your next move.