Reku: rupiah crypto trading, perpetuals, staking and withdrawals

Reku is an Indonesian exchange with two routes into spot crypto: a simplified Lightning interface and a Pro interface with market information and an order book. Its spot page advertises entry from IDR5,000 and access through mobile and desktop. A small purchase minimum concerns an order; it should not be substituted for the separate cash-deposit minimum.[3]

A Pro limit order requires available rupiah for a purchase or the relevant coin for a sale. The website and app let the customer enter a price and quantity, including a proportion of the available balance. The order then rests in the book until a matching counterparty is available. Submitting the order is therefore different from receiving a completed fill.[9]

Instant execution takes available orders from the book, beginning with the best available price. A limit sets a price condition; it does not ensure that the entire requested quantity trades. Comparing the final asset quantity with the amount spent is more informative than reading the commission alone, because order-book depth and the spread also affect the transaction.[10]

Perpetual take-profit and stop-loss settings can be entered before opening a position or amended from the Positions tab afterwards. The customer sets the trigger and confirms it. These are execution instructions attached to a leveraged position, so their presence should not be read as a guaranteed exit price during a gap or a thin market.[11]

Closing a perpetual position uses the opposite transaction, with a choice of market or limit execution. The closing guide asks the customer to review the summary before confirmation. Selecting a limit close still introduces a price condition: a submitted close instruction and a fully extinguished position are separate states to check in the account.[12]

The spot CFX component fell from 0.0111% to 0.00555% on 1 October 2026, according to Reku’s adjustment notice. It is separate from Reku’s commission. The futures tariff below has different CFX charges.[8]

For IDR1,000,000 of Pro turnover, the published components total IDR1,055.50 on buying or IDR3,155.50 on selling. These illustrations exclude spread, slippage, funding and cash-transfer costs; the buy and sell examples each use the same gross turnover.[7]

Reku’s policy effective 4 December 2025 applies normal broker and exchange trading fees when a position is liquidated. The same notice limits a customer’s open position to the larger of 50,000 USDT or 20% of the contract’s total open interest. That position-cap rule is separate from leverage and the wallet’s available margin.[35]

An OTC quote includes administration and tax in the quoted price. The desk’s stated advantage is a price agreed for a larger transaction, rather than the customer repeatedly crossing a public book. Compare the actual firm quote, size and settlement instructions; the desk’s price language should not be carried across to ordinary spot orders.[4]

Reku describes staking and unstaking as free actions. That answers the entry and exit charge, rather than the separate question of how much of a blockchain reward reaches the customer.[17]

The staking FAQ says Reku retains a portion of rewards received from the blockchain to support the service, without quantifying that share on the inspected page. Consequently, a protocol’s headline reward rate and the customer’s displayed reward rate can differ. Check the particular asset’s current displayed yield before committing coins.[16]

The 15 October Bank INA guide distinguishes virtual-account processing from a manually checked bank transfer. Generate the VA number from Deposit, select Bank INA, enter the amount and follow the displayed transfer instructions. The bank route’s published ceiling is a channel limit, not assurance that an individual account will pass every funding or compliance check.[29]

For a rupiah withdrawal, choose the destination bank account from Wallet, enter the amount, inspect the preview and authenticate with SMS or Google Authenticator. Reku describes processing throughout the week, including holidays, but bank offline periods and payment-gateway maintenance can delay arrival after Reku has sent the funds. The withdrawal history and completion email are therefore useful alongside the receiving bank statement.[21]

For crypto, choose the asset, destination address, network and amount before confirming the preview. The mobile guide additionally requests recipient-address information, then authenticator or SMS approval and an email OTP. Both the website and app support sending. A receiving wallet must support the selected asset and network; an account balance is not evidence that every possible network is available for withdrawal.[22]

The 2 October crypto restoration notice reopened both Send and Receive after system maintenance and warned that withdrawal demand could extend processing. The corresponding cash notice also reopened IDR deposits and withdrawals. These were recovery notices, rather than promises that every later individual transfer would arrive immediately.[26][27]

Reku’s transparency portal describes reserve coverage, security controls and regular independent auditing. Those are company representations; the inspected portal did not supply a complete, current audit report or an account-specific insurance entitlement. A reserve claim should be evaluated separately from the legal arrangements governing a customer’s right to recover assets.[32]

In its recovery communications Reku says customer money is held through a clearing institution and crypto through a custodian. Its spot product page also identifies Fireblocks in its custody and security description and says customer assets are not lent, pledged or reinvested with third parties. These descriptions explain Reku’s stated holding model without establishing that the technology supplier is the customer’s direct contracting custodian.[3][27]

The staking product advertises daily rewards and the ability to request unstaking at any time, with assets returning to the wallet. Its advertised maximum APY is a changing product indication, not a fixed return on every supported coin. The restored staking and unstaking service was specifically confirmed on 3 October, after the September maintenance period.[14][28]

Authenticator recovery is a verification process. The published web and mobile instructions ask for the registered phone number, an SMS OTP and a selfie holding a dated, signed reset request. Reku’s KYC team then reviews the material; the guide targets a few minutes to no later than 24 hours after receipt. This is a recovery-processing statement, not a separately specified withdrawal cooling-off period.[23]

The Futures margin indicator is intended to show how heavily the wallet is being used to support positions. Reku warns of liquidation risk above 75% and allows notifications as usage approaches that level. This warning threshold is useful for monitoring, but the page’s internally inconsistent worked example should not be used as a reliable liquidation calculation.[13]

The customer agreement requires age 18 or above, valid identity information and verification. It lists KTP and, for foreign nationals, passport and KITAS documentation; banking must match the account holder. Approval is required before registration becomes effective. Suspicious activity can lead to freezes of funds, transactions and account access. The inspected terms did not specify a routine inactivity charge or a complete voluntary-closure timetable.[20]

The perpetual agreement names PT Rekeningku Dotcom Indonesia together with PT Pasar Forex dan Komoditi Berjangka as the implementation partner. Derivatives access involves its own verification and documents, and the customer authorises wallet transfers for derivative transactions. Closing a leveraged position, returning an available balance and closing the wider Reku account are consequently different actions.[6]

Reku’s 3 June 2026 support notice explicitly says there is no official WhatsApp number. It directs customers to official live chat and lists the company’s social accounts. Start from Reku’s own help page when seeking account assistance, particularly if an unsolicited contact claims to represent a recovery team. The existence of a social account is not permission to send passwords or authentication codes.[24]

The October recovery sequence is operationally relevant: IDR and crypto transfers reopened on 2 October, followed by USD conversion, direct USD deposits for US stocks, staking and unstaking on 3 October. The latter notice directs unresolved cases to 24/7 live chat. Keep the relevant transfer identifier and account status when escalating a delayed transaction; the notices do not describe a telephone order-dealing fallback.[28]

OJK’s indexed provider list dated 25 May 2026 records PT Rekeningku Dotcom Indonesia (Reku), number S-17/D.07/2025, dated 1 February 2025. This identifies the digital-asset trader entry; it should not be expanded into a permission for every affiliated investment product.[33]

The separate perpetual contract identifies its own partner and agreement. It provides for an initial 30-calendar-day attempt to resolve a dispute, followed by BANI arbitration in Jakarta. The company’s spot registration and a partner’s derivatives arrangements must therefore be read in their respective service context.[6]

Reku began in 2018 under the Rekeningku name. The company identifies Sumardi Fung and Jesse Choi as co-CEOs and Robby as chief compliance officer. Its about page reports more than IDR10 trillion of transactions since inception. That is cumulative company-reported activity; it is not a current daily-volume figure or a measure of available order-book liquidity.[2]

The homepage reports more than one million users and more than 350 crypto assets. These are company marketing counts observed on the check date. The older spot page contains a smaller asset count, so the account’s current market list is the better reference for the instrument a customer actually wants to trade. Neither count measures how many users actively traded in a particular month.[1]

Operator

PT Rekeningku Dotcom Indonesia

Exchange model

Centralised

Service scope

Rupiah spot, OTC quotations, USDT perpetuals and on-chain staking.

Client types

Retail clients

Pricing publication

Public pricing

Other names

Rekeningku; Rekeningku.com

Funding scope

Rupiah bank and wallet routes; crypto transfers. USD deposit serves US stocks.

Custody and asset handling

Centralised balances; company describes clearing and custodian arrangements.

Client eligibility

Age 18 minimum; identity verification and matching bank ownership.

Support

Official live chat; no official WhatsApp number.

Authorisation and registration scope

OJK listing records S-17/D.07/2025; separate product permissions require their own scope.

Exchange metadata checked 20 Oct 2026Source 1Source 2Source 6Source 7Source 20Source 24Source 27Source 28Source 33

Asset tax reports cover crypto spot and derivatives as well as US-stock transactions. In the app, Profile leads to the report website, where the customer signs in again, selects a tax year and requests the PDF by email. Desktop users can download through Account Settings. The report includes prior year-end holdings, transaction totals and crypto tax deducted; retain transaction-level records when reconciling the annual summary.[25]

The public API documentation provides price, bid/ask, order-book, coin, chart and general-setting endpoints. Its methods retrieve information; the inspected reference did not document authenticated order submission, withdrawal authority or a complete private-account permission matrix. Some calls use POST while returning market data, so the HTTP method alone is not evidence that an application can trade or move money.[31]

Packs group selected crypto, US shares and ETFs into portfolio ideas. The product page’s rebalancing explanation describes a notification followed by the customer’s one-click approval. Read that actual workflow alongside the broader automation language: a portfolio suggestion is not automatically an executed rebalance, and a named public figure in a strategy theme is not proof of a commercial relationship.[18]

The Packs agreement treats the analysis as an opinion, leaves product choices and losses with the customer, and contains broad transaction-authority wording. The approval requested for the particular portfolio action therefore remains important alongside the product page’s notification-and-confirmation workflow.[19]