2025 Indonesia Crypto Assets Regulations

Content Editor: Peter_Techub News

In 2025, Indonesia made 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 number of users in Indonesia's cryptocurrency market have significantly grown. The government has legalized cryptocurrency trading while implementing strict regulatory measures to ensure market safety and stability.

Key points of cryptocurrency regulations in Indonesia in 2025 March 2025: OJK issued a digital financial asset (DFA) trader license.

OJK has issued 19 DFA dealer licenses and is processing an additional 11 applications.

This initiative is part of a broader regulatory framework that covers the licensing of DFA exchanges, clearing, guarantees, settlement institutions, and digital asset custody institutions.

January 10, 2025: New regulations from the government and OJK are announced.

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

The new regulations clarify the minimum paid-in capital and equity requirements, and provide a detailed customer onboarding guide.

The OJK has introduced a new cryptocurrency tax regime, requiring the payment of both income tax and value-added tax on transactions.

The regulations also standardized the trading of digital financial assets, including licensing procedures, application transitions, updates to the whitelist of crypto assets, and transitional arrangements.

January 1 to 6, 2025: New cryptocurrency tax policy (PMK No. 131/2024 and PMK No. 81/2024)

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

Despite the low cryptocurrency tax rate, mining activities are subject to a tax fee of up to 0.1%.

The Indonesian government's attitude towards cryptocurrency

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

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

The government views cryptocurrencies as financial instruments on par with traditional assets, striving to enhance market transparency and stability through integration.

Under the strict supervision of OJK, Indonesia focuses on fraud prevention and reducing risks in the cryptocurrency sector.

OJK has launched a regulatory sandbox to provide a testing environment for emerging financial technologies such as cryptocurrencies, demonstrating its commitment to embracing innovation.

2025 Indonesia Cryptocurrency License

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

The OJK reclassifies crypto assets as Digital Financial Assets (DFA) to regulate licensing management and transfers the authority to publish the crypto asset whitelist from Bappebti to the DFA. In April 2025, the DFA will release its first whitelist, which includes 1,444 types of crypto assets, a significant increase from the 851 types by Bappebti.

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

DFA trader requirements:

The minimum paid-in capital is 100 billion Indonesian Rupiah (approximately 6 million USD), and the minimum equity is 50 billion Indonesian Rupiah (approximately 3 million USD).

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

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

Must comply with data protection measures requirements.

DFA members shall not serve as members of the Board of Directors (BOC) or the Executive Board of Directors (BOD).

If the regulations are violated, OJK has the right to revoke the license.

Cryptocurrency Tax Regulations in Indonesia 2025

Starting from January 2025, Indonesia will implement cryptocurrency tax policies and clarify fine guidelines. Delayed reporting will incur a fixed fine of 100,000 to 1,000,000 Indonesian Rupiah, along with an interest of 2% per month for up to 24 months.

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