Pintu: exchange services, costs, custody and account access

The main Pintu app provides quoted purchases, while Pro exposes an order book. Compare the route’s executable price and controls rather than carrying an app quote into a Pro fee model.[3][4]

Perpetual futures use a separate USDT margin wallet. Institutional services require their own onboarding and commercial terms.[19][34]

Pro Web displays rupiah prices and generally shares the Pro app’s trading fees. It provides a desktop trading interface, but main-app Earn and staking features remain outside its documented scope.[8]

TWAP can retry price or liquidity failures three times, one minute apart. Token-maintenance slices are skipped without a retry. The end result can be partly filled or failed, rather than a guaranteed full execution at an average price. Standard execution charges apply to successful slices, with no separate TWAP feature charge.[22]

Pintu lists tokenized equity exposure from Backed and Ondo. Its own explanation says these tokens do not give the customer direct share ownership or voting rights, and cannot be redeemed for actual shares within Pintu. Dividend treatment follows the token structure, rather than a normal shareholder cash payment. Issuer, token and exchange risks therefore remain distinct.[29][28]

The main app publishes no separate trading commission: its costs are reflected in the final quote. Its market chart uses a reference/mid-price, which can differ from executable sale proceeds. The variable buy/sell spread remains relevant even when the commission field is zero.[3]

The dated September announcement halves the spot CFX component from 0.0111% to 0.00555% from 1 October. It is included in the main app’s final price and separately identified for Pro spot. The same announcement explicitly leaves futures CFX charges unchanged.[5]

On 1,000 USDT of executed futures notional, the published rates imply 1.755 USDT maker or 2.865 USDT taker per execution. Two equally sized taker executions cost 5.73 USDT before funding, price changes and conversion. The fee base is position notional, not merely the margin posted.[6]

The futures FAQ also contains a generic paragraph repeating the lower spot CFX fee. Its explicit futures table and the dated September announcement agree on the higher futures components shown here; the generic paragraph should not be used to price a perpetual order.[5][6]

Futures funding settles at 07:00, 15:00 and 23:00 WIB. Positive funding transfers from long to short positions; negative funding reverses that direction. Only positions open at settlement participate. The rate changes by market and is displayed under Funding, so a fixed daily holding-cost assumption would be misleading.[17]

VIP is assessed by calendar month and the resulting status applies in the following month. Lower spot commission does not remove sell tax or CFX charges.[7]

Use current virtual-account instructions. From 8 October 2026, manual transfers to Pintu’s BRI account are no longer credited; BRI virtual accounts remain supported, and the announcement directs transfers from other banks to the available Nobu virtual account. Mistaken manual BRI payments require a refund request, with an estimate of up to fourteen business days.[11]

The deposit guide excludes cash-at-teller, credit-card funding and third-party-name transfers. Funding access therefore depends on an eligible local payment route, even when a person can complete digital identity verification.[10]

The destination must be a verified personal Indonesian conventional bank account matching the customer’s identity. A virtual account or e-wallet number is not an eligible bank destination. The bank-verification guide estimates under ten minutes ordinarily, and asks users to contact support if verification remains incomplete after 24 hours.[13]

Receiving supported IDRT is described as automatically crediting rupiah balance. That conversion route should be distinguished from maintaining a freely transferable balance of every rupiah token or accepting arbitrary ERC-20 assets. The live Receive screen, rather than a previously saved address or an old network example, determines the supported asset and chain.[31]

Pintu describes its wallets as centralised: the company manages allocation, and sending and receiving addresses can differ. A displayed wallet address is not evidence that the customer controls its private key.[33]

The security page names PT Kustodian Koin Indonesia and Fireblocks and claims ISO/IEC 27001:2022 certification. These controls do not specify a customer insurance payout or establish an insolvency recovery entitlement.[1]

The Initial Margin Buffer setting changes how much collateral is reserved beyond maintenance margin. Pintu’s margin guide describes liquidation when margin usage reaches 100%. It also permits automatic deleveraging of profitable or highly leveraged opposing positions when liquidation losses exceed the insurance fund. The fund is a market-loss mechanism, not an ordinary customer insurance policy.[15]

The January futures rules still describe cross-only trading and higher leverage figures, while current product FAQs describe isolated margin and a 25x maximum. This profile uses the current operational guides for those controls and preserves the discrepancy as a reason to check the actual contract screen before opening a position.[20][18]

Earn terms explicitly exclude LPS deposit insurance and say the service is not a bank deposit. A variable Earn rate, a token benefit and the futures insurance fund should not be combined into a single protection claim. Read the chosen product’s duration and withdrawal rules before transferring assets out of the spendable wallet.[27]

If an authenticator is lost, a saved recovery key can restore access. Without it, the customer must request a reset through support from the registered email and supply identity/account information. Crypto sending to other users or external wallets is blocked for 48 hours after the reset is processed. This hold matters when planning a time-sensitive transfer.[24]

Retail terms require age 17 or older, one identity per account and use of the customer’s own funds. They exclude US citizens, US-born persons, green-card holders, US tax-obligated persons and specified US banking/representation connections. The main retail agreement is distinct from the separately onboarded institutional service.[2]

The app permits one mobile device at a time.[1]

Changing a telephone number requires supporting documents and an identity selfie, with a two-business-day estimate. Where the old number is inaccessible, a police loss report can be required.[23]

Retail support uses in-app live chat and email; the FAQ expressly excludes a customer-service call centre or WhatsApp number. Verify any claimed support contact through those published routes.[23]

Written complaints require identity, product/date, issue and evidence. The terms allow ten working days to supply missing documents and target resolution within ten working days after receipt; verbal complaints have a five-working-day follow-up target. Unresolved disputes may proceed to the financial-services alternative dispute institution or the competent court.[2]

During a futures trading halt, the rules contemplate open positions remaining in place. Access disruption therefore need not remove market exposure. Keep transaction evidence, inspect order status when access returns and use official support; the reviewed documents did not establish a retail telephone dealing service for emergency execution.[20]

The company names PT Pintu Kemana Saja and cites OJK S-15/D.07/2025 plus CFX membership. Its linked official PDF did not yield an independently inspectable firm row. These remain attributed company statements.[1]

Derivatives rules describe CFX/KKI reporting and a clearing-managed liquidation framework. This identifies infrastructure rather than a bank guarantee.[20]

Older retail terms retain Bappebti-era wording, so they are insufficient alone to establish current regulatory status.[2]

Pintu advertises over ten million app downloads and 300 supported crypto/tokenized products. Downloads are not verified customers or monthly active traders; the page does not supply a comparable current active-trader count or exchange-wide execution volume.[1]

Operator

PT Pintu Kemana Saja

Exchange model

Centralised

Service scope

App quotes, Pro spot, perpetual contracts and institutional access.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Public retail tariffs and quotes; institutional terms on application.

Funding scope

IDR banking/payment routes and supported crypto networks; futures margin in USDT.

Custody and asset handling

Centralised wallet allocation; Earn and futures have separate terms.

Client eligibility

Identity verification and product-specific checks; US nexus exclusions apply.

Support

24-hour retail live chat and email; institutional relationship manager.

Authorisation and registration scope

Company cites OJK S-15/D.07/2025 and CFX membership; official firm row not independently inspected.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 33Source 3Source 4Source 34Source 23Source 15

Wallet Transaction History provides details, IDs and blockchain hashes, helping distinguish platform transfers from network-confirmed transactions.[33]

Institutional clients are promised transaction, portfolio and activity reports in CSV or PDF. That does not establish identical retail export formats.[34]

The October VIP Earn campaign is temporary, running 5–31 October 2026. Eligible verified VIPs must register before adding qualifying USDT/USDC balances. New daily-average balances must reach IDR 100 million; only up to IDR 250 million counts. Flexi adds an annualised 4% with an IDR 800,000 cap; Locked 30 adds 5% with an IDR 1 million cap. Quotas are 25 and 22 users ranked by qualifying balance, with only one bonus per customer. No trading turnover is required.[35]

The promotion pays USDT within fifteen business days after closing; recipient tax is stated as 5% with NPWP or 6% without. Existing balances do not qualify, withdrawals reduce the measured increment, and Locked 30 retains its lock. Manipulated redeposits and multiple accounts can disqualify participation. The annualised uplift applies only to qualifying campaign days, not a full year’s guaranteed payment. Pintu reserves amendment or early termination rights.[35]

An institutional API supports algorithmic trading and portfolio integration by application. Its public overview does not specify detailed credential scopes; confirm trading and withdrawal authority before connecting a system.[34]