How to Check Official Investment Apps Before Sending Funds
The Financial Services Authority (OJK) reminds the public to check the legality of investment apps before sending money or personal data. So many issues pop up because users only recognize the brand name, without verifying the provider, domain, or valid licenses. Unauthorized players can mimic logos, layouts, even customer service, so the link you access isn’t necessarily the official channel for Indonesian users.
The first step is to figure out what type of investment product it is, since each category-like stocks, mutual funds, crypto assets, or digital financial assets-has a different list of official providers. For trading digital financial assets and crypto assets, oversight shifted from Bappebti to OJK as of January 10, 2025. Users should refer to the latest official list from OJK, which includes the legal entity name, platform name, license status, address, and official website.
Once you’ve found the right list, match three things: the legal entity name, the app name, and the official domain. Check the app publisher in the app store and make sure it lines up with the official list. Before transferring funds, verify the recipient’s name on the payment and ensure instructions come from official channels, not from private messages on WhatsApp, Telegram, or social media. Watch out for red flags like destination accounts in a personal name or requests for extra fees to withdraw funds.
If even one detail doesn’t match-like an unregistered domain, a different app publisher, or a sketchy destination account-stop right there and don’t send any data or money. Keep evidence like URLs, screenshots, and instruction messages, then verify through independent channels like the official OJK site. Legality is just a prerequisite, not a guarantee of results; users still need to review fees, withdrawal rules, and product risks before investing.
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