Nanovest: rupiah trading, transfer costs and custody scope

Nanovest combines rupiah crypto dealing with a wider investment app. The current Indonesian crypto page advertises more than 300 assets, including Bitcoin, Ethereum, Solana and Dogecoin, with purchases starting at Rp5,000. Its practical appeal is a local-currency purchase flow and a single portfolio interface; the minimum and available transfer route still vary by coin.[1]

The crypto terms describe Nanovest as the seller when the customer buys, and the buyer when the customer sells.[2]

The balance labelled Crypto Cash funds crypto purchases and receives sale proceeds. Keeping that balance separate from a coin holding makes the exit path clearer: selling changes the portfolio into a spendable cash balance, while an external blockchain withdrawal moves the asset itself.[40][11]

These are per-transaction dealing quantities, not daily cash-out allowances. The higher minimums on some smaller assets also mean a residual holding can fall below the ordinary sell threshold. Check the relevant coin’s displayed limits before splitting a purchase into small portions.[5]

For larger transactions, Nanovest separately advertises an OTC service with dedicated support and individually discussed pricing. Its public page provides no numeric minimum, executable spread, settlement deadline or complete eligible-client matrix. A retail app quote should therefore not be treated as the promised terms of an OTC arrangement.[36]

The crypto page explains that the buy/sell spread is included in the final confirmation price and changes with the asset, volatility and liquidity. Zero platform commission therefore leaves a variable execution cost even before tax and transfer charges.[1]

For an illustrative Rp1,000,000 sale, 0.21% PPh is Rp2,100 and the 0.0222% SRO charge is Rp222: Rp2,322 combined, before the spread and any bank payout fee. This is arithmetic from the published rates, not a tested transaction.[4]

The free Sinarmas route belongs to Nanovest Cash. It should not be applied automatically to a withdrawal directly from Crypto Cash. A customer comparing a small sale with a bank withdrawal needs to include this fixed fee alongside percentage trading deductions.[8]

Referral help describes an NBT token reward and directs users to the in-app promotion page for the amount and campaign period. The inspected public help does not establish an unconditional rupiah cash bonus, a current fixed reward size or its immediate withdrawal conditions. Treat the displayed campaign as a separate offer with its own requirements.[34]

To fund trading, select Crypto Cash in the top-up flow. Published methods include virtual accounts at Sinarmas, Mandiri, BRI, Permata and Bank Neo Commerce; OVO, DANA, ShopeePay and GoPay; and specified gift-card vouchers. The same guide describes an IDDR crypto-network route on BNB Smart Chain/BEP20. That route requires the named asset and network, rather than an ordinary rupiah bank transfer.[6]

Nanovest says it charges no platform top-up fee for virtual accounts, e-wallets or gift cards. A sending bank can still apply its own transfer charge, and a crypto-network deposit can incur the sending network’s fee. The amount arriving in the selected balance should be reconciled with the payment confirmation before placing an order.[7]

A 5 March 2026 notice requires the funding name on Sinarmas virtual-account transfers to match the Nanovest account exactly. Even a small mismatch can delay or fail the payment. The notice instructs customers to use their own bank account, so a relative’s payment is not an interchangeable funding method.[39]

Nanovest Cash and Crypto Cash can be moved between one another through the app’s top-up or withdrawal controls. This is an internal balance movement; the help links distinguish it from sending money to a bank. Select the source and destination balance explicitly instead of assuming every available wallet amount is already available for a crypto purchase.[38]

The bank timetable is a published processing allowance, not evidence that every withdrawal takes seven days. It is nevertheless the relevant public escalation window when proceeds have not arrived; a completed crypto sale and a completed bank payout are separate events.[10]

Crypto withdrawals have a different standard threshold: Rp150 million equivalent per day without additional verification. Customers may request more, but amounts beyond that threshold enter manual review before blockchain processing. The published table sets minimums by asset and network, so this daily threshold cannot replace the coin-level check.[11]

The tariff can change with market conditions. Some less-common rows in the full schedule show a fee equal to or greater than the stated minimum, so use the final withdrawal screen to check the amount actually deliverable. A network with a lower advertised fee is useful only when the receiving wallet supports that network.[12]

Deposit thresholds differ from withdrawal minimums: the table lists 0.00000001 BTC on Bitcoin, 0.01 USDT on BEP20 and 0.02 USDT on Polygon. It says subminimum deposits are not credited. The source describes maximum deposits by reference to the sending exchange, rather than publishing a single unconditional receiving ceiling.[13]

For a transfer stuck in “In Process” for more than one hour, crypto help directs the customer to in-app chat or [email protected]. Blockchain load and the chosen network affect timing. This one-hour contact instruction is an escalation trigger, not a promise of one-hour final settlement.[15]

Uncredited deposits have a documented appeal route. Wrong or missing memos carry the network withdrawal fee and a stated maximum seven working days; unsupported-token or unsupported-network cases can cost 200 USDT and take fourteen to thirty working days. Recovery is not guaranteed. Preserve the transaction hash, sending network and destination details so support can identify the transfer.[14]

A notice effective 20 May 2026 names PT Fortuna Integritas Mandiri (ICEx) as crypto exchange, PT Pranata Karya Solusi (CACI) as clearing institution and PT Arganis Konsultindo Utama (ICC) as storage provider. It also changed BRI and Mandiri virtual-account numbers. Returning customers should retrieve the current number from the app before funding. The named infrastructure providers are distinct from the Nanovest customer-facing operator.[19]

In its 16 September 2024 security statement, Nanovest described Fireblocks infrastructure using multiparty computation, information-security certification and cybercrime insurance from Asuransi Sinarmas. These are dated issuer disclosures. No complete current insurance policy, insured aggregate, customer sublimit, deductible or exclusions was available in the inspected material, so the insurance claim cannot be read as full reimbursement for every loss.[20]

The homepage says customer cash is separated from company finances and identifies Bank Sinarmas for top-up deposits. Its SIPC discussion belongs to the US brokerage/shares arrangement. That passage should not be read as protection for crypto holdings or crypto-network transfers.[22]

The authenticator-reset flow requires the account PIN, NIK identity number, email OTP and another OTP through WhatsApp or SMS. Recovery therefore depends on access to those registered channels. The guide does not publish a fixed post-reset withdrawal hold, and successful recovery should not be assumed to waive transaction review.[32]

The terms require adults aged at least eighteen and describe Indonesian use. They allow identity checks using KTP, passport and, where needed, KITAS/KITAP residence documents; review can take about two working days or longer.[2]

The standard primary-KYC flow verifies email, captures an original E-KTP, confirms the identity data and postal code, performs a live facial check and asks for employment information. Successful primary KYC activates the account; the guide separately offers secondary verification for the global-stock product. Approval for that other product should not be inferred from completing the crypto flow.[16]

Foreign-number help explicitly offers “Continue as a Foreigner” after detecting an international number. That establishes an application path, not automatic approval for every foreign resident or country. A prospective foreign customer still needs the applicable identity and residence checks, and the public help inspected supplies no complete country-by-country acceptance matrix.[17]

Customer care advertises live chat in the app twenty-four hours a day and lists [email protected]. Its current contact page explicitly says it has no official customer-service telephone or WhatsApp number. The OTC page’s separate business-contact links should not be confused with a general account-support hotline.[18][36]

Periodic maintenance requires forty-eight hours’ notice under the crypto terms; no crypto transactions are processed during maintenance. No alternative emergency dealing route was established.[2]

The terms provide initial dispute discussions and, after thirty days without agreement, court or arbitration routes, including an OJK-designated dispute institution.[2]

A voluntary temporary account lock is available by contacting chat or email. That is an explicit account-control request. The inspected help does not state a recurring inactivity charge, a dormant-account countdown or an automatic reactivation deadline, so leaving an account unused should not be described as the same process.[33]

OJK’s 19 December 2025 whitelist identifies Nanovest, PT Tumbuh Bersama Nano and nanovest.io with reference S-8/D.07/2025 dated 1 February 2025. This is an independently matched, dated authority finding for the digital-asset trader. It is narrower than approval for every investment or lending product visible in the app.[3]

The authority’s current index links a newer list dated 22 September 2026. The September page could not be retrieved during this check, so the latest entity entry was not inspected. The December finding is retained with its date rather than presented as an October register verification.[31]

Nanovest’s company page dates the Indonesian business to 2021 and names PT Tumbuh Bersama Nano. The brand is a wider investment platform, which matters when interpreting customer numbers: a platform user can hold stock or gold products without being an active crypto trader.[37]

In a 2 March 2026 issuer release reviewing 2025, Nanovest reported more than 1.1 million KYC-verified users and approximately 70% year-on-year growth in trading volume. It supplied no absolute volume or active-crypto-user count. Those figures describe the multi-asset platform and should not be converted into a daily exchange-volume ranking.[21]

The current footer assigns crypto to PT Tumbuh Bersama Nano, digital gold to PT Indonesia Logam Pratama and global-stock PALN activity to PT Nano Megang Futures, with Nanovest supplying the system for the latter. These product boundaries are relevant to the counterparty and complaints route; the crypto operator’s register reference should not be transferred to the other companies.[22]

Operator

PT Tumbuh Bersama Nano

Exchange model

Centralised

Service scope

Rupiah crypto dealing, external transfers, ETH staking and a separately quoted OTC service.

Client types

Retail clients

Pricing publication

Public and quoted pricing

Pricing scope

Zero platform dealing commission; spread, SRO fees, sale tax and withdrawal charges remain. OTC is quoted.

Funding scope

Crypto Cash through local bank virtual accounts, e-wallets and supported crypto networks.

Custody and asset handling

Hosted exchange service; the May 2026 notice names ICC as storage provider.

Client eligibility

Adults meeting Indonesian onboarding requirements; foreign registration subject to document approval.

Support

In-app live chat advertised 24/7 and [email protected]. No official customer-service telephone or WhatsApp number.

Authorisation and registration scope

OJK’s December 2025 whitelist matches the entity and S-8/D.07/2025. The September 2026 register was unavailable for inspection.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 3Source 4Source 6Source 8Source 16Source 18Source 19Source 22Source 26Source 31Source 36

ETH NanoStaking’s 30 January 2026 guide sets a 0.001825 ETH minimum and a one-ETH cap per user, with an indicative, variable 2% APY. Staking and unstaking have no platform charge and Nanovest pays the staking gas fee. Rewards compound into the stake, using a 23:59 WIB daily snapshot and next-day recording. Partial unstaking must leave at least the minimum; full exit is available. The guide leaves tax on rewards with the customer and says it does not withhold that tax automatically.[26]

Staking terms keep assets in a Nanovest-managed wallet and limit slashing coverage to the staked crypto amount. Broader protocol losses remain subject to exclusions.[2]

Target Price Order is configured through Auto Strategy or the asset’s sell flow: select the asset, target price, amount and expiry, review the confirmation, then authorise with the PIN. The sell guide requires an existing asset balance and explicitly warns of slippage. A price trigger is consequently not a guaranteed final execution price.[29]

An order can use a chosen expiry date or remain active indefinitely until manually cancelled. Its funding is not locked when placed: the balance stays available for other trades and is deducted only at execution. Customers running several instructions therefore need enough available balance when each triggers, rather than relying on the amount that was available at setup.[27][28]

Wealth Intelligence is an allocation simulator across stocks, gold and crypto, using the entered capital amount and risk profile. It offers a proposed asset mix for review.[23]

The tool’s execution help says it does not move money; the user must purchase manually after reviewing its output. This keeps the authority to transact with the customer, even when the interface supplies allocation suggestions.[24]

Nanosocial supports discussions and sharing investment experiences, strategies and news. The documented feature is social publishing and interaction; the inspected description provides no mechanism that automatically copies another member’s orders or delegates trading authority to that member.[25]

Gadai Digital is a separate collaboration with PT Pasar Gadai Digital and currently requires access approval. The page identifies BTC, ETH and SOL collateral, which becomes locked after confirmation; signed agreements and a pawn power of attorney precede bank disbursement. Its early-access language and unpublished borrowing tariff mean the app’s spot commission cannot be used as the cost of this loan. Gold collateral remains marked “coming soon”.[35]

Tax certificates for the previous year are described as available each February. In Profile, open Legal, Tax Statement, then Crypto; select the period and send the PDF to the registered email. The retrieval guide still cites the older tax regulation, so use the current transaction-charge help for rates. Export records before closing: post-closure self-service document access was not established.[30]

Permanent closure can be requested in-app or in writing, with a three-working-day best-effort target. The terms retain personal data for at least five years after the relationship ends.[2]