What to know:
- Indonesia’s Financial Services Authority (OJK) is preparing the IAKD Roadmap 2026–2031 to guide the next phase of digital asset regulation.
- The roadmap will cover stablecoins, asset tokenization, OTC transactions, cybersecurity, and digital asset taxation.
- OJK aims to create a more adaptive regulatory framework while strengthening consumer protection and market integrity.
- Indonesia now has 22.4 million digital asset and crypto users, reflecting continued growth in adoption.
- The regulator has licensed 26 Digital Financial Asset Traders (PAKD), two exchanges, two clearing institutions, and two custodians.
Indonesia is preparing a new regulatory framework that could shape the next chapter of its digital asset industry.
The Indonesia Financial Services Authority (OJK) is currently developing the Innovation in Financial Technology, Digital Financial Assets, and Crypto Assets (IAKD) Roadmap 2026–2031, a long-term strategy designed to support emerging technologies while strengthening market governance and consumer protection.
The announcement was made during OJK’s National Symposium and Stakeholder Consultation Forum on Financial Technology Innovation, Digital Financial Assets, and Crypto Assets (IAKD), held together with the Indonesian Blockchain Association (ABI) on July 2.
According to OJK Chairwoman Friderica Widyasari Dewi, technologies such as artificial intelligence (AI) and blockchain-based asset tokenization are creating significant opportunities for the financial sector. However, innovation must be accompanied by regulations that safeguard financial stability and public trust.
“As technology evolves rapidly, from artificial intelligence to asset tokenization, we must ensure innovation continues to grow while maintaining market integrity, consumer protection, and financial system stability,” Friderica said.
She added that the rapid evolution of financial technology requires a more adaptive regulatory framework, stronger governance standards, and closer collaboration between regulators, industry participants, academia, media, and other stakeholders.
The roadmap also aligns with Indonesia’s updated Financial Sector Development and Strengthening Law, which expands the country’s legal foundation for overseeing digital financial innovation and rapidly evolving business models.
Read more: Indonesia Nears 22 Million Crypto Users, Strengthening Its Role in Asia’s Digital Asset Market
Indonesia Expands Regulatory Focus Beyond Crypto Trading
According to Adi Budiarso, Head of Supervision for Financial Technology Innovation, Digital Financial Assets, and Crypto Assets at OJK, the roadmap is intended to provide a long-term policy direction for Indonesia’s digital finance sector.
The framework is built around four guiding principles:
- Affordability
- Integrity
- Agility
- Sovereignty
These principles are expected to strengthen Indonesia’s competitiveness while supporting deeper financial markets and broader access to digital financial services.
“We are committed to building a digital financial asset and crypto ecosystem that is sovereign, adaptive, accessible, and trustworthy to strengthen national competitiveness and deliver greater benefits to society and the economy,” Adi said.
During the consultation process, OJK gathered input from regulators, industry associations, academics, and market participants on several strategic topics expected to shape future regulations. These include stablecoins, real-world asset (RWA) tokenization, digital asset taxation, cybersecurity, Over-the-Counter (OTC) digital asset transactions, and the development of a Single Investor Identifier (SID).
The initiative signals that Indonesia’s regulatory agenda is moving beyond crypto trading alone toward building a broader digital asset ecosystem that can accommodate emerging blockchain-based financial products.
Read more: 26 Licensed Crypto Exchanges in Indonesia
Indonesia’s Digital Asset Market Continues to Grow
Alongside the roadmap announcement, OJK released updated figures showing continued expansion of Indonesia’s digital asset ecosystem.
As of July 2026, OJK has licensed:
- 26 Digital Financial Asset Traders (PAKD)
- 2 Digital Asset Exchanges
- 2 Clearing Institutions
- 2 Digital Asset Custodians
Meanwhile, the total number of digital financial asset and crypto users has reached 22.4 million, reinforcing Indonesia’s position as one of the world’s largest retail crypto markets.
Read more: 5 User Behavior Trends Defining Indonesia’s Crypto Market
Indonesia Builds the Foundation for the Next Phase of Digital Assets
Rather than simply introducing new rules, OJK’s roadmap reflects Indonesia’s broader ambition to create a comprehensive regulatory framework for digital finance.
As technologies such as stablecoins and tokenized real-world assets gain momentum globally, Indonesia is positioning itself to support innovation while maintaining regulatory oversight, consumer protection, and financial stability.
For global crypto, fintech, and Web3 companies, the roadmap signals that Indonesia is continuing to evolve into one of Asia’s most important regulated digital asset markets, one that offers not only a large retail user base but also increasing regulatory clarity for long-term growth.
Since 2016, Indonesia Crypto Network (ICN) has been at the center of Indonesia’s blockchain ecosystem through media, community building, industry events, and strategic partnerships. ICN helps global crypto and Web3 companies understand Indonesia’s regulatory landscape, connect with key stakeholders, and expand into one of Southeast Asia’s fastest-growing digital asset markets.
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