Content Editor: Peter_Techub News

In 2025, Indonesia underwent significant reforms to its cryptocurrency regulatory framework, transferring regulatory responsibilities from the Commodity Futures Trading Regulatory Agency (Bappebti) to the Financial Services Authority (OJK). Driven by an increase in public technological literacy and a surge in interest in digital assets, the trading volume and user base of Indonesia's cryptocurrency market have grown significantly. The government has legalized cryptocurrency trading while implementing strict regulatory measures to ensure market safety and stability.

Key Points of Indonesia's Cryptocurrency Regulations in 2025
March 2025: OJK Issues Digital Financial Asset (DFA) Trader Licenses

• OJK issued 19 DFA trader licenses and is processing an additional 11 applications.

• This initiative is part of a broader regulatory framework covering the licensing of DFA exchanges, clearing, guarantees, settlement institutions, and digital asset custodians.

January 10, 2025: New Regulations from the Government and OJK

• Under Government Regulation No. 49 of 2024 and OJK Regulation No. 27 of 2024, the regulation of crypto assets officially transitioned from Bappebti to OJK.

• The new regulations clarify minimum paid-in capital and equity requirements and provide detailed customer onboarding guidelines.

• OJK introduced a new cryptocurrency tax system, requiring income tax and value-added tax to be paid on transactions.

• The regulations also standardize digital financial asset trading, including licensing procedures, application transitions, updates to the crypto asset whitelist, and transitional arrangements.

January 1 to 6, 2025: New Crypto Tax Policies (PMK No. 131/2024 and PMK No. 81/2024)

• The value-added tax (VAT) rate increased to 0.11% of the transaction value, while the tax rate for unregistered trading platforms doubled to 0.22%.

• Despite the lower crypto tax rates, mining activities are subject to taxes of up to 0.1%.

Indonesian Government's Attitude Towards Cryptocurrency

In 2025, the Indonesian government is committed to enhancing consumer protection and creating a safer, more stable cryptocurrency trading environment.

• OJK's regulation aims to improve public awareness of the opportunities and risks associated with cryptocurrency investments.

• The government views cryptocurrency as a financial instrument on par with traditional assets, striving to enhance market transparency and stability through integration.

• Under OJK's strict regulation, Indonesia focuses on fraud prevention and reducing risks in the crypto sector.

• OJK launched a regulatory sandbox to provide a testing environment for emerging financial technologies like cryptocurrency, demonstrating a commitment to embracing innovation.

2025 Indonesia Cryptocurrency Licenses

| Transaction Type | VAT Rate | Final Income Tax (PPh) | |-----------------------|----------|-------------------------| | Registered Exchange | 0.12% | 0.10% | | Unregistered Exchange | Increased (previously 0.22%) | 0.20% | | Mining (VAT) | 1.10% | 0.20% |

OJK reclassified crypto assets as digital financial assets (DFA) to regulate licensing management and transferred the authority to publish the crypto asset whitelist from Bappebti to DFA. In April 2025, DFA released its first whitelist, including 1,444 crypto assets, a significant increase from Bappebti's 851.

• License Transition: Companies previously licensed by Bappebti are automatically recognized as licensed DFA trading providers, but DFA traders must reapply for licenses to offer whitelist assets, with a grace period until July 2025.

• DFA Trader Requirements:

  • Minimum paid-in capital of 10 billion Indonesian Rupiah (approximately 600,000 USD) and minimum equity of 5 billion Indonesian Rupiah (approximately 300,000 USD).

  • Board members, shareholders, and controlling shareholders must pass suitability tests.

  • Trading data and financial records must be stored continuously for at least ten years.

  • Compliance with data protection measures is required.

  • DFA members cannot serve as members of the Board of Commissioners (BOC) or the Board of Directors (BOD).

• OJK has the authority to revoke licenses for violations of regulations.

2025 Indonesia Cryptocurrency Tax Details

Starting in January 2025, Indonesia implemented cryptocurrency tax policies and clarified penalty guidelines. Late filings will incur fixed fines ranging from 100,000 to 1,000,000 Indonesian Rupiah, along with a monthly interest of 2%, for a maximum of 24 months.

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