{"id":5774,"date":"2025-07-01T15:00:00","date_gmt":"2025-07-01T07:00:00","guid":{"rendered":"https:\/\/yuklegal.com\/?p=5774"},"modified":"2025-07-02T10:12:59","modified_gmt":"2025-07-02T02:12:59","slug":"hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru","status":"publish","type":"post","link":"https:\/\/yuklegal.com\/en\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/","title":{"rendered":"Hukum Fintech dan Crypto di Indonesia: Update Regulasi Terbaru"},"content":{"rendered":"<p><span style=\"font-size: 12pt;\">Industri<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">cryptocurrency<\/span><span style=\"font-size: 12pt;\"> di Indonesia <\/span><span style=\"font-size: 12pt;\">telah<\/span> <span style=\"font-size: 12pt;\">mengalami<\/span> <span style=\"font-size: 12pt;\">perkembangan<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">pesat<\/span><span style=\"font-size: 12pt;\"> dalam <\/span><span style=\"font-size: 12pt;\">beberapa<\/span> <span style=\"font-size: 12pt;\">tahun<\/span><span style=\"font-size: 12pt;\"> terakhir. <\/span><span style=\"font-size: 12pt;\">Seiring<\/span><span style=\"font-size: 12pt;\"> dengan <\/span><span style=\"font-size: 12pt;\">pertumbuhannya<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">pemerintah<\/span><span style=\"font-size: 12pt;\"> Indonesia melalui <\/span><span style=\"font-size: 12pt;\">Otoritas<\/span><span style=\"font-size: 12pt;\"> Jasa <\/span><span style=\"font-size: 12pt;\">Keuangan<\/span><span style=\"font-size: 12pt;\"> (OJK) <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">lembaga<\/span><span style=\"font-size: 12pt;\"> terkait <\/span><span style=\"font-size: 12pt;\">lainnya<\/span> <span style=\"font-size: 12pt;\">terus<\/span> <span style=\"font-size: 12pt;\">berupaya<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">mengatur<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">mengawasi<\/span> <span style=\"font-size: 12pt;\">sektor<\/span><span style=\"font-size: 12pt;\"> ini. <\/span><span style=\"font-size: 12pt;\">Regulasi<\/span> <span style=\"font-size: 12pt;\">terbaru<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">diterbitkan<\/span> <span style=\"font-size: 12pt;\">oleh<\/span><span style=\"font-size: 12pt;\"> OJK <\/span><span style=\"font-size: 12pt;\">membawa<\/span> <span style=\"font-size: 12pt;\">sejumlah<\/span><span style=\"font-size: 12pt;\"> perubahan <\/span><span style=\"font-size: 12pt;\">penting<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">dapat<\/span> <span style=\"font-size: 12pt;\">memengaruhi<\/span> <span style=\"font-size: 12pt;\">cara<\/span> <span style=\"font-size: 12pt;\">pelaku<\/span> <span style=\"font-size: 12pt;\">industri<\/span> <span style=\"font-size: 12pt;\">beroperasi<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> bagaimana investor <\/span><span style=\"font-size: 12pt;\">berpartisipasi<\/span><span style=\"font-size: 12pt;\"> dalam <\/span><span style=\"font-size: 12pt;\">pasar<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> crypto. <\/span><span style=\"font-size: 12pt;\">Berikut<\/span> <span style=\"font-size: 12pt;\">adalah<\/span> <span style=\"font-size: 12pt;\">pembaruan<\/span><span style=\"font-size: 12pt;\"> terkait <\/span><span style=\"font-size: 12pt;\">regulasi<\/span> <span style=\"font-size: 12pt;\">terbaru<\/span><span style=\"font-size: 12pt;\"> dalam hukum <\/span><span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> crypto di Indonesia.<\/span><\/p>\n\n\n\n<p><strong><span style=\"font-size: 12pt;\">POJK 27\/2024: <\/span><span style=\"font-size: 12pt;\">Pengawasan<\/span> <span style=\"font-size: 12pt;\">Aset<\/span> <span style=\"font-size: 12pt;\">Keuangan<\/span><span style=\"font-size: 12pt;\"> Digital <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">Kripto<\/span><\/strong><\/p>\n\n\n\n<p><span style=\"font-size: 12pt;\">Pada<\/span> <span style=\"font-size: 12pt;\">Januari<\/span><span style=\"font-size: 12pt;\"> 2025, OJK <\/span><span style=\"font-size: 12pt;\">resmi<\/span> <span style=\"font-size: 12pt;\">mengambil<\/span> <span style=\"font-size: 12pt;\">alih<\/span> <span style=\"font-size: 12pt;\">pengawasan<\/span> <span style=\"font-size: 12pt;\">terhadap<\/span> <span style=\"font-size: 12pt;\">aset<\/span> <span style=\"font-size: 12pt;\">kripto<\/span> <span style=\"font-size: 12pt;\">dari<\/span> <span style=\"font-size: 12pt;\">Badan<\/span> <span style=\"font-size: 12pt;\">Pengawas<\/span> <span style=\"font-size: 12pt;\">Perdagangan<\/span> <span style=\"font-size: 12pt;\">Berjangka<\/span> <span style=\"font-size: 12pt;\">Komoditi<\/span><span style=\"font-size: 12pt;\"> (<\/span><span style=\"font-size: 12pt;\">Bappebti<\/span><span style=\"font-size: 12pt;\">), melalui <\/span><span style=\"font-size: 12pt;\">diterbitkannya<\/span> <strong><span style=\"font-size: 12pt;\">Peraturan OJK No. 27 <\/span><span style=\"font-size: 12pt;\">Tahun<\/span><span style=\"font-size: 12pt;\"> 2024<\/span><\/strong> <span style=\"font-size: 12pt;\">tentang<\/span> <span style=\"font-size: 12pt;\">Penyelenggaraan<\/span> <span style=\"font-size: 12pt;\">Perdagangan<\/span> <span style=\"font-size: 12pt;\">Aset<\/span> <span style=\"font-size: 12pt;\">Keuangan<\/span><span style=\"font-size: 12pt;\"> Digital Termasuk <\/span><span style=\"font-size: 12pt;\">Aset<\/span> <span style=\"font-size: 12pt;\">Kripto<\/span><span style=\"font-size: 12pt;\">. <\/span><span style=\"font-size: 12pt;\">Langkah<\/span><span style=\"font-size: 12pt;\"> ini <\/span><span style=\"font-size: 12pt;\">merupakan<\/span> <span style=\"font-size: 12pt;\">implementasi<\/span> <span style=\"font-size: 12pt;\">dari<\/span> <span style=\"font-size: 12pt;\">Undang-Undang<\/span><span style=\"font-size: 12pt;\"> No. 4 <\/span><span style=\"font-size: 12pt;\">Tahun<\/span><span style=\"font-size: 12pt;\"> 2023 <\/span><span style=\"font-size: 12pt;\">tentang<\/span> <span style=\"font-size: 12pt;\">Pengembangan<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">Penguatan<\/span> <span style=\"font-size: 12pt;\">Sektor<\/span> <span style=\"font-size: 12pt;\">Keuangan<\/span><span style=\"font-size: 12pt;\"> (UU P2SK), yang <\/span><span style=\"font-size: 12pt;\">memperkuat<\/span> <span style=\"font-size: 12pt;\">peran<\/span><span style=\"font-size: 12pt;\"> OJK dalam <\/span><span style=\"font-size: 12pt;\">mengatur<\/span> <span style=\"font-size: 12pt;\">sektor<\/span> <span style=\"font-size: 12pt;\">keuangan<\/span><span style=\"font-size: 12pt;\"> digital, termasuk <\/span><span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">kripto<\/span><span style=\"font-size: 12pt;\">.<\/span><\/p>\n\n\n\n<p><strong><span style=\"font-size: 12pt;\">Pokok<\/span> <span style=\"font-size: 12pt;\">Bahasan<\/span><span style=\"font-size: 12pt;\"> POJK 27\/2024:<\/span><\/strong><\/p>\n\n\n\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">1.<\/span><strong><span style=\"font-size: 12pt;\">Kelembagaan<\/span> <span style=\"font-size: 12pt;\">Penyelenggara<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Mengatur<\/span> <span style=\"font-size: 12pt;\">struktur<\/span> <span style=\"font-size: 12pt;\">kelembagaan<\/span> <span style=\"font-size: 12pt;\">penyelenggara<\/span><span style=\"font-size: 12pt;\">, yang <\/span><span style=\"font-size: 12pt;\">terdiri<\/span> <span style=\"font-size: 12pt;\">dari<\/span><span style=\"font-size: 12pt;\"> bursa, <\/span><span style=\"font-size: 12pt;\">lembaga<\/span> <span style=\"font-size: 12pt;\">kliring<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">pedagang<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">pengelola<\/span> <span style=\"font-size: 12pt;\">tempat<\/span> <span style=\"font-size: 12pt;\">penyimpanan<\/span><span style=\"font-size: 12pt;\">.<\/span><\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">2.<\/span><strong><span style=\"font-size: 12pt;\">Perizinan<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">Pelaporan<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Menetapkan<\/span> <span style=\"font-size: 12pt;\">kewajiban<\/span> <span style=\"font-size: 12pt;\">bagi<\/span> <span style=\"font-size: 12pt;\">penyelenggara<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">mendapatkan<\/span> <span style=\"font-size: 12pt;\">izin<\/span> <span style=\"font-size: 12pt;\">resmi<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">menyampaikan<\/span> <span style=\"font-size: 12pt;\">laporan<\/span> <span style=\"font-size: 12pt;\">berkala<\/span><span style=\"font-size: 12pt;\"> kepada OJK.<\/span><\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">3.<\/span><strong><span style=\"font-size: 12pt;\">Tata <\/span><span style=\"font-size: 12pt;\">Kelola<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">Manajemen<\/span> <span style=\"font-size: 12pt;\">Risiko<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Mengharuskan<\/span> <span style=\"font-size: 12pt;\">penyelenggara<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">menerapkan<\/span> <span style=\"font-size: 12pt;\">tata<\/span> <span style=\"font-size: 12pt;\">kelola<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">baik<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">manajemen<\/span> <span style=\"font-size: 12pt;\">risiko<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">efektif<\/span><span style=\"font-size: 12pt;\">, termasuk <\/span><span style=\"font-size: 12pt;\">sistem<\/span> <span style=\"font-size: 12pt;\">keamanan<\/span><span style=\"font-size: 12pt;\"> informasi <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">pencegahan<\/span> <span style=\"font-size: 12pt;\">pencucian<\/span> <span style=\"font-size: 12pt;\">uang<\/span><span style=\"font-size: 12pt;\">.<\/span><\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">4.<\/span><strong><span style=\"font-size: 12pt;\">Pelindungan<\/span> <span style=\"font-size: 12pt;\">Konsumen<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Mengutamakan<\/span> <span style=\"font-size: 12pt;\">transparansi<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">edukasi<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">memadai<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">perlindungan<\/span> <span style=\"font-size: 12pt;\">konsumen<\/span><span style=\"font-size: 12pt;\"> yang lebih <\/span><span style=\"font-size: 12pt;\">kuat<\/span><span style=\"font-size: 12pt;\">.<\/span><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><span style=\"font-size: 12pt;\">Regulasi<\/span><span style=\"font-size: 12pt;\"> ini <\/span><span style=\"font-size: 12pt;\">mulai<\/span> <span style=\"font-size: 12pt;\">berlaku<\/span> <span style=\"font-size: 12pt;\">pada<\/span> <span style=\"font-size: 12pt;\">Januari<\/span><span style=\"font-size: 12pt;\"> 2025 <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">menggantikan<\/span><span style=\"font-size: 12pt;\"> peraturan <\/span><span style=\"font-size: 12pt;\">sebelumnya<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">dikeluarkan<\/span> <span style=\"font-size: 12pt;\">oleh<\/span> <span style=\"font-size: 12pt;\">Bappebti<\/span><span style=\"font-size: 12pt;\">, yang <\/span><span style=\"font-size: 12pt;\">bertujuan<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">meningkatkan<\/span> <span style=\"font-size: 12pt;\">transparansi<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">keamanan<\/span><span style=\"font-size: 12pt;\"> dalam <\/span><span style=\"font-size: 12pt;\">transaksi<\/span> <span style=\"font-size: 12pt;\">aset<\/span> <span style=\"font-size: 12pt;\">kripto<\/span><span style=\"font-size: 12pt;\"> di Indonesia.<\/span><\/p>\n\n\n\n<p><strong><span style=\"font-size: 12pt;\">POJK 3\/2024: Regulatory Sandbox untuk <\/span><span style=\"font-size: 12pt;\">Fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">Kripto<\/span><\/strong><\/p>\n\n\n\n<p><span style=\"font-size: 12pt;\">Selain<\/span><span style=\"font-size: 12pt;\"> POJK 27\/2024, OJK <\/span><span style=\"font-size: 12pt;\">juga<\/span> <span style=\"font-size: 12pt;\">menerbitkan<\/span> <strong><span style=\"font-size: 12pt;\">Peraturan OJK No. 3 <\/span><span style=\"font-size: 12pt;\">Tahun<\/span><span style=\"font-size: 12pt;\"> 2024<\/span><\/strong> <span style=\"font-size: 12pt;\">tentang<\/span> <span style=\"font-size: 12pt;\">Penyelenggaraan<\/span> <span style=\"font-size: 12pt;\">Inovasi<\/span> <span style=\"font-size: 12pt;\">Teknologi<\/span> <span style=\"font-size: 12pt;\">Sektor<\/span> <span style=\"font-size: 12pt;\">Keuangan<\/span><span style=\"font-size: 12pt;\">. Peraturan ini <\/span><span style=\"font-size: 12pt;\">memperkenalkan<\/span> <span style=\"font-size: 12pt;\">pendekatan<\/span> <span style=\"font-size: 12pt;\">berbasis<\/span> <span style=\"font-size: 12pt;\">aktivitas<\/span><span style=\"font-size: 12pt;\"> (activity-based approach) dalam <\/span><span style=\"font-size: 12pt;\">mengatur<\/span> <span style=\"font-size: 12pt;\">sektor<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">aset<\/span> <span style=\"font-size: 12pt;\">kripto<\/span><span style=\"font-size: 12pt;\">. Salah <\/span><span style=\"font-size: 12pt;\">satu<\/span> <span style=\"font-size: 12pt;\">elemen<\/span> <span style=\"font-size: 12pt;\">penting<\/span><span style=\"font-size: 12pt;\"> dalam peraturan ini <\/span><span style=\"font-size: 12pt;\">adalah<\/span> <strong><span style=\"font-size: 12pt;\">regulatory sandbox<\/span><\/strong><span style=\"font-size: 12pt;\">, yang <\/span><span style=\"font-size: 12pt;\">memungkinkan<\/span> <span style=\"font-size: 12pt;\">uji<\/span><span style=\"font-size: 12pt;\"> coba <\/span><span style=\"font-size: 12pt;\">inovasi<\/span> <span style=\"font-size: 12pt;\">teknologi<\/span> <span style=\"font-size: 12pt;\">finansial<\/span><span style=\"font-size: 12pt;\"> di Indonesia dengan <\/span><span style=\"font-size: 12pt;\">pengawasan<\/span><span style=\"font-size: 12pt;\"> yang lebih <\/span><span style=\"font-size: 12pt;\">ketat<\/span><span style=\"font-size: 12pt;\">.<\/span><\/p>\n\n\n\n<p><strong><span style=\"font-size: 12pt;\">Fitur-fitur<\/span><span style=\"font-size: 12pt;\"> dalam POJK 3\/2024:<\/span><\/strong><\/p>\n\n\n\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">1.<\/span><strong><span style=\"font-size: 12pt;\">Regulatory Sandbox<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Penyempurnaan<\/span> <span style=\"font-size: 12pt;\">mekanisme<\/span> <span style=\"font-size: 12pt;\">uji<\/span><span style=\"font-size: 12pt;\"> coba yang <\/span><span style=\"font-size: 12pt;\">mencakup<\/span> <span style=\"font-size: 12pt;\">kriteria<\/span> <span style=\"font-size: 12pt;\">kelayakan<\/span> <span style=\"font-size: 12pt;\">peserta<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">rencana<\/span> <span style=\"font-size: 12pt;\">pengujian<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">kebijakan<\/span><span style=\"font-size: 12pt;\"> keluar yang <\/span><span style=\"font-size: 12pt;\">jelas<\/span><span style=\"font-size: 12pt;\">.<\/span><\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">2.<\/span><strong><span style=\"font-size: 12pt;\">Inovasi<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">Bertanggung<\/span> <span style=\"font-size: 12pt;\">Jawab<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Memberikan<\/span> <span style=\"font-size: 12pt;\">kesempatan<\/span> <span style=\"font-size: 12pt;\">bagi<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> crypto untuk <\/span><span style=\"font-size: 12pt;\">berkembang<\/span> <span style=\"font-size: 12pt;\">sambil<\/span> <span style=\"font-size: 12pt;\">menjaga<\/span> <span style=\"font-size: 12pt;\">pengelolaan<\/span> <span style=\"font-size: 12pt;\">risiko<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">baik<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">perlindungan<\/span> <span style=\"font-size: 12pt;\">konsumen<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">efektif<\/span><span style=\"font-size: 12pt;\">.<\/span><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><span style=\"font-size: 12pt;\">Peraturan ini <\/span><span style=\"font-size: 12pt;\">bertujuan<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">mendukung<\/span> <span style=\"font-size: 12pt;\">perkembangan<\/span> <span style=\"font-size: 12pt;\">inovasi<\/span><span style=\"font-size: 12pt;\"> di <\/span><span style=\"font-size: 12pt;\">sektor<\/span> <span style=\"font-size: 12pt;\">keuangan<\/span> <span style=\"font-size: 12pt;\">sambil<\/span> <span style=\"font-size: 12pt;\">menjaga<\/span> <span style=\"font-size: 12pt;\">keamanan<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">stabilitas<\/span> <span style=\"font-size: 12pt;\">pasar<\/span><span style=\"font-size: 12pt;\">.<\/span><\/p>\n\n\n\n<p><strong><span style=\"font-size: 12pt;\">Dampak<\/span> <span style=\"font-size: 12pt;\">terhadap<\/span> <span style=\"font-size: 12pt;\">Industri<\/span> <span style=\"font-size: 12pt;\">Fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> Crypto<\/span><\/strong><\/p>\n\n\n\n<p><span style=\"font-size: 12pt;\">Penerapan<\/span> <span style=\"font-size: 12pt;\">regulasi<\/span><span style=\"font-size: 12pt;\"> baru ini <\/span><span style=\"font-size: 12pt;\">memiliki<\/span> <span style=\"font-size: 12pt;\">beberapa<\/span> <span style=\"font-size: 12pt;\">dampak<\/span> <span style=\"font-size: 12pt;\">signifikan<\/span> <span style=\"font-size: 12pt;\">bagi<\/span> <span style=\"font-size: 12pt;\">industri<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> crypto di Indonesia:<\/span><\/p>\n\n\n\n<div class=\"ol\" style=\"margin: 0;\">\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">1.<\/span><strong><span style=\"font-size: 12pt;\">Penurunan<\/span> <span style=\"font-size: 12pt;\">Jumlah<\/span><span style=\"font-size: 12pt;\"> Platform<\/span><\/strong><span style=\"font-size: 12pt;\">: <\/span><span style=\"font-size: 12pt;\">Sejak<\/span> <span style=\"font-size: 12pt;\">penerapan<\/span> <span style=\"font-size: 12pt;\">aturan<\/span><span style=\"font-size: 12pt;\"> yang lebih <\/span><span style=\"font-size: 12pt;\">ketat<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">jumlah<\/span><span style=\"font-size: 12pt;\"> platform exchange <\/span><span style=\"font-size: 12pt;\">kripto<\/span><span style=\"font-size: 12pt;\"> di Indonesia <\/span><span style=\"font-size: 12pt;\">berkurang<\/span> <span style=\"font-size: 12pt;\">dari<\/span><span style=\"font-size: 12pt;\"> 25 <\/span><span style=\"font-size: 12pt;\">menjadi<\/span><span style=\"font-size: 12pt;\"> 18, sebagai <\/span><span style=\"font-size: 12pt;\">dampak<\/span> <span style=\"font-size: 12pt;\">dari<\/span> <span style=\"font-size: 12pt;\">peningkatan<\/span> <span style=\"font-size: 12pt;\">persyaratan<\/span> <span style=\"font-size: 12pt;\">kepatuhan<\/span><span style=\"font-size: 12pt;\"> terkait <\/span><span style=\"font-size: 12pt;\">pencucian<\/span> <span style=\"font-size: 12pt;\">uang<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">pendanaan<\/span> <span style=\"font-size: 12pt;\">terorisme<\/span><span style=\"font-size: 12pt;\"> (AML\/CFT).<\/span><\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">2.<\/span><strong><span style=\"font-size: 12pt;\">Peningkatan<\/span> <span style=\"font-size: 12pt;\">Kepatuhan<\/span><\/strong><span style=\"font-size: 12pt;\">: Platform yang <\/span><span style=\"font-size: 12pt;\">tersisa<\/span> <span style=\"font-size: 12pt;\">menunjukkan<\/span> <span style=\"font-size: 12pt;\">peningkatan<\/span> <span style=\"font-size: 12pt;\">kualitas<\/span> <span style=\"font-size: 12pt;\">layanan<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> lebih <\/span><span style=\"font-size: 12pt;\">mematuhi<\/span> <span style=\"font-size: 12pt;\">regulasi<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">ditetapkan<\/span> <span style=\"font-size: 12pt;\">oleh<\/span><span style=\"font-size: 12pt;\"> OJK.<\/span><\/div>\n<\/div>\n<div class=\"li\" style=\"margin: 0;\">\n<div style=\"text-align: justify; margin-top: 0pt; padding-top: 0; margin-bottom: 8pt; padding-bottom: 0; line-height: 1.3; margin-left: 36pt;\"><span style=\"display: inline-block; position: relative; text-indent: -18pt; font-size: 12pt;\">3.<\/span><strong><span style=\"font-size: 12pt;\">Pendidikan<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">Literasi<\/span> <span style=\"font-size: 12pt;\">Konsumen<\/span><\/strong><span style=\"font-size: 12pt;\">: OJK <\/span><span style=\"font-size: 12pt;\">mendorong<\/span> <span style=\"font-size: 12pt;\">penyelenggara<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">meningkatkan<\/span> <span style=\"font-size: 12pt;\">edukasi<\/span><span style=\"font-size: 12pt;\"> kepada <\/span><span style=\"font-size: 12pt;\">konsumen<\/span> <span style=\"font-size: 12pt;\">mengenai<\/span> <span style=\"font-size: 12pt;\">risiko<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">manfaat<\/span> <span style=\"font-size: 12pt;\">berinvestasi<\/span><span style=\"font-size: 12pt;\"> di <\/span><span style=\"font-size: 12pt;\">aset<\/span> <span style=\"font-size: 12pt;\">keuangan<\/span><span style=\"font-size: 12pt;\"> digital.<\/span><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><span style=\"font-size: 12pt;\">Selain<\/span><span style=\"font-size: 12pt;\"> itu, dengan <\/span><span style=\"font-size: 12pt;\">adanya<\/span> <span style=\"font-size: 12pt;\">regulasi<\/span><span style=\"font-size: 12pt;\"> baru ini, OJK <\/span><span style=\"font-size: 12pt;\">memberikan<\/span> <span style=\"font-size: 12pt;\">perhatian<\/span><span style=\"font-size: 12pt;\"> lebih kepada <\/span><span style=\"font-size: 12pt;\">edukasi<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">literasi<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">meningkatkan<\/span> <span style=\"font-size: 12pt;\">pemahaman<\/span> <span style=\"font-size: 12pt;\">masyarakat<\/span> <span style=\"font-size: 12pt;\">terhadap<\/span> <span style=\"font-size: 12pt;\">risiko<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">ada<\/span><span style=\"font-size: 12pt;\"> dalam <\/span><span style=\"font-size: 12pt;\">perdagangan<\/span> <span style=\"font-size: 12pt;\">aset<\/span><span style=\"font-size: 12pt;\"> digital.<\/span><\/p>\n\n\n\n<p><strong><span style=\"font-size: 12pt;\">Kesimpulan<\/span><\/strong><\/p>\n\n\n\n<p><span style=\"font-size: 12pt;\">Regulasi<\/span> <span style=\"font-size: 12pt;\">terbaru<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">diterbitkan<\/span> <span style=\"font-size: 12pt;\">oleh<\/span><span style=\"font-size: 12pt;\"> OJK <\/span><span style=\"font-size: 12pt;\">menunjukkan<\/span> <span style=\"font-size: 12pt;\">komitmen<\/span> <span style=\"font-size: 12pt;\">pemerintah<\/span><span style=\"font-size: 12pt;\"> Indonesia untuk <\/span><span style=\"font-size: 12pt;\">menciptakan<\/span> <span style=\"font-size: 12pt;\">ekosistem<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> crypto yang lebih <\/span><span style=\"font-size: 12pt;\">aman<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">transparan<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">berkelanjutan<\/span><span style=\"font-size: 12pt;\">. <\/span><span style=\"font-size: 12pt;\">Bagi<\/span> <span style=\"font-size: 12pt;\">pelaku<\/span> <span style=\"font-size: 12pt;\">industri<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> investor, <\/span><span style=\"font-size: 12pt;\">penting<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">memahami<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">mematuhi<\/span> <span style=\"font-size: 12pt;\">ketentuan<\/span><span style=\"font-size: 12pt;\"> yang <\/span><span style=\"font-size: 12pt;\">berlaku<\/span><span style=\"font-size: 12pt;\"> agar <\/span><span style=\"font-size: 12pt;\">dapat<\/span> <span style=\"font-size: 12pt;\">menjalankan<\/span> <span style=\"font-size: 12pt;\">bisnis<\/span><span style=\"font-size: 12pt;\"> atau <\/span><span style=\"font-size: 12pt;\">berinvestasi<\/span><span style=\"font-size: 12pt;\"> dengan <\/span><span style=\"font-size: 12pt;\">aman<\/span> <span style=\"font-size: 12pt;\">dan<\/span> <span style=\"font-size: 12pt;\">sah<\/span><span style=\"font-size: 12pt;\">. Dengan <\/span><span style=\"font-size: 12pt;\">adanya<\/span> <span style=\"font-size: 12pt;\">pengawasan<\/span><span style=\"font-size: 12pt;\"> yang lebih <\/span><span style=\"font-size: 12pt;\">ketat<\/span><span style=\"font-size: 12pt;\">, investor di <\/span><span style=\"font-size: 12pt;\">sektor<\/span> <span style=\"font-size: 12pt;\">fintech<\/span> <span style=\"font-size: 12pt;\">dan<\/span><span style=\"font-size: 12pt;\"> crypto <\/span><span style=\"font-size: 12pt;\">dapat<\/span> <span style=\"font-size: 12pt;\">merasa<\/span><span style=\"font-size: 12pt;\"> lebih <\/span><span style=\"font-size: 12pt;\">terlindungi<\/span><span style=\"font-size: 12pt;\">, <\/span><span style=\"font-size: 12pt;\">sementara<\/span> <span style=\"font-size: 12pt;\">inovasi<\/span> <span style=\"font-size: 12pt;\">teknologi<\/span> <span style=\"font-size: 12pt;\">finansial<\/span> <span style=\"font-size: 12pt;\">juga<\/span> <span style=\"font-size: 12pt;\">didorong<\/span><span style=\"font-size: 12pt;\"> untuk <\/span><span style=\"font-size: 12pt;\">berkembang<\/span><span style=\"font-size: 12pt;\"> dalam <\/span><span style=\"font-size: 12pt;\">kerangka<\/span><span style=\"font-size: 12pt;\"> hukum yang <\/span><span style=\"font-size: 12pt;\">jelas<\/span><span style=\"font-size: 12pt;\">.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 12pt;\">Jika<\/span> <span style=\"font-size: 12pt;\">Anda<\/span> <span style=\"font-size: 12pt;\">ingin<\/span> <span style=\"font-size: 12pt;\">mengetahui<\/span><span style=\"font-size: 12pt;\"> lebih <\/span><span style=\"font-size: 12pt;\">lanjut<\/span> <span style=\"font-size: 12pt;\">mengenai<\/span><span style=\"font-size: 12pt;\"> peraturan ini, <\/span><span style=\"font-size: 12pt;\">Anda<\/span> <span style=\"font-size: 12pt;\">dapat<\/span> <span style=\"font-size: 12pt;\">mengakses<\/span><span style=\"font-size: 12pt;\"> dokumen <\/span><span style=\"font-size: 12pt;\">resmi<\/span> <strong><span style=\"font-size: 12pt;\">POJK 27\/2024<\/span><\/strong> <span style=\"font-size: 12pt;\">dan<\/span> <strong><span style=\"font-size: 12pt;\">POJK 3\/2024<\/span><\/strong><span style=\"font-size: 12pt;\"> melalui <\/span><span style=\"font-size: 12pt;\">situs<\/span> <span style=\"font-size: 12pt;\">resmi<\/span><span style=\"font-size: 12pt;\"> OJK untuk informasi lebih <\/span><span style=\"font-size: 12pt;\">rinci<\/span><span style=\"font-size: 12pt;\">.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Industri fintech dan cryptocurrency di Indonesia telah mengalami perkembangan yang pesat dalam beberapa tahun terakhir. Seiring dengan pertumbuhannya, pemerintah Indonesia melalui Otoritas Jasa Keuangan (OJK) dan lembaga terkait lainnya terus berupaya untuk mengatur dan mengawasi sektor ini. Regulasi terbaru yang diterbitkan oleh OJK membawa sejumlah perubahan penting yang dapat memengaruhi cara pelaku industri beroperasi dan [&hellip;]<\/p>","protected":false},"author":11,"featured_media":5775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hukum Fintech dan Crypto di Indonesia: Update Regulasi Terbaru - Yuk Legal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yuklegal.com\/en\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hukum Fintech dan Crypto di Indonesia: Update Regulasi Terbaru - Yuk Legal\" \/>\n<meta property=\"og:description\" content=\"Industri fintech dan cryptocurrency di Indonesia telah mengalami perkembangan yang pesat dalam beberapa tahun terakhir. Seiring dengan pertumbuhannya, pemerintah Indonesia melalui Otoritas Jasa Keuangan (OJK) dan lembaga terkait lainnya terus berupaya untuk mengatur dan mengawasi sektor ini. 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Seiring dengan pertumbuhannya, pemerintah Indonesia melalui Otoritas Jasa Keuangan (OJK) dan lembaga terkait lainnya terus berupaya untuk mengatur dan mengawasi sektor ini. Regulasi terbaru yang diterbitkan oleh OJK membawa sejumlah perubahan penting yang dapat memengaruhi cara pelaku industri beroperasi dan [&hellip;]","og_url":"https:\/\/yuklegal.com\/en\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/","og_site_name":"Yuk Legal","article_published_time":"2025-07-01T07:00:00+00:00","article_modified_time":"2025-07-02T02:12:59+00:00","og_image":[{"width":2160,"height":1215,"url":"https:\/\/yuklegal.com\/wp-content\/uploads\/2025\/07\/Fintech-Crypto-di-Indonesia-Regulasi-Terbaru-2025.webp","type":"image\/webp"}],"author":"Admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Admin","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/","url":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/","name":"Hukum Fintech dan Crypto di Indonesia: Update Regulasi Terbaru - Yuk Legal","isPartOf":{"@id":"https:\/\/yuklegal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/#primaryimage"},"image":{"@id":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/#primaryimage"},"thumbnailUrl":"https:\/\/yuklegal.com\/wp-content\/uploads\/2025\/07\/Fintech-Crypto-di-Indonesia-Regulasi-Terbaru-2025.webp","datePublished":"2025-07-01T07:00:00+00:00","dateModified":"2025-07-02T02:12:59+00:00","author":{"@id":"https:\/\/yuklegal.com\/#\/schema\/person\/42552aeaad7735a9f045274a5b6c10fa"},"breadcrumb":{"@id":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/#primaryimage","url":"https:\/\/yuklegal.com\/wp-content\/uploads\/2025\/07\/Fintech-Crypto-di-Indonesia-Regulasi-Terbaru-2025.webp","contentUrl":"https:\/\/yuklegal.com\/wp-content\/uploads\/2025\/07\/Fintech-Crypto-di-Indonesia-Regulasi-Terbaru-2025.webp","width":2160,"height":1215},{"@type":"BreadcrumbList","@id":"https:\/\/yuklegal.com\/hukum-fintech-dan-crypto-di-indonesia-update-regulasi-terbaru\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/yuklegal.com\/"},{"@type":"ListItem","position":2,"name":"Hukum Fintech dan Crypto di Indonesia: Update Regulasi Terbaru"}]},{"@type":"WebSite","@id":"https:\/\/yuklegal.com\/#website","url":"https:\/\/yuklegal.com\/","name":"Yuk Legal","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/yuklegal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/yuklegal.com\/#\/schema\/person\/42552aeaad7735a9f045274a5b6c10fa","name":"Admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/yuklegal.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b6fa85731cc0e4c0bf1e0cc9ef4206f67ba1240ae5d9f3bf2e43c219db2eb7b7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b6fa85731cc0e4c0bf1e0cc9ef4206f67ba1240ae5d9f3bf2e43c219db2eb7b7?s=96&d=mm&r=g","caption":"Admin"},"url":"https:\/\/yuklegal.com\/en\/author\/admin_s68qwkcu\/"}]}},"_links":{"self":[{"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/posts\/5774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/comments?post=5774"}],"version-history":[{"count":1,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/posts\/5774\/revisions"}],"predecessor-version":[{"id":5776,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/posts\/5774\/revisions\/5776"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/media\/5775"}],"wp:attachment":[{"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/media?parent=5774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/categories?post=5774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yuklegal.com\/en\/wp-json\/wp\/v2\/tags?post=5774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}