Indonesia Pushes Digital Finance Literacy as Crypto Market Expands

RRI.CO.ID, Solo - Financial Services Authority of Indonesia (OJK) is intensifying digital financial literacy efforts, particularly among young people, as Indonesia’s crypto and digital asset market continues to expand rapidly. The regulator said stronger public understanding is needed so investors can assess risks critically, wisely, and responsibly.

The message was delivered by Chief Executive of the Financial Sector Technology Innovation Supervisory Agency, Digital Financial Assets and Crypto Assets of the Financial Services Authority (OJK), Adi Budiarso during a Digital Financial Literacy lecture at Universitas Sebelas Maret on Monday, May 11, 2026. “We want to make digital financial literacy an important foundation for Indonesia’s economic growth amid rapid digital transformation and rising financial risks,” Adi said.

He explained that advances in blockchain and cryptography have created innovations such as asset tokenization, allowing investments to become more affordable and accessible. This development could open wider participation for young people, small businesses, and micro enterprises in formal investment activities.

He said the success of digital finance and crypto asset development depends not only on technology and regulation, but also on the quality of public understanding. “This program is a strategic joint effort to strengthen digital financial literacy, especially among the younger generation,” Adi said.

OJK also encouraged stronger cooperation with universities through a pentahelix model involving regulators, local governments, academics, businesses, and communities. The collaboration is expected to help build a healthier, more inclusive, and sustainable digital finance ecosystem.

Indonesia’s crypto market has shown significant growth in recent years. As of February 2026, the country recorded more than 21 million crypto consumer accounts, while total crypto trading value in 2025 reached Rp482.23 trillion.

The number of tradable crypto assets in Indonesia has also risen sharply, from around 501 assets in 2023 to more than 1,464 assets in 2026. Meanwhile, tax revenue from crypto transactions reached around Rp796.73 billion in 2025, reflecting the sector’s growing economic contribution.

At present, Indonesia has 25 licensed Digital Financial Asset Traders supported by exchanges, clearing institutions, custodians, banks, and payment providers. OJK said continued cooperation with universities and industry stakeholders is needed so the public can become financially smarter, digitally safer, and more responsible in making investment decisions.