Tokocrypto: licences, security, fees and reviews
Centralized exchange
In short
- Legal entity
- PT Aset Digital Berkat
- Fees
- Spot maker: 0.15% at the regular tier (0.4044% including tax and exchange levies); 0.0804% at VIP 9 (as of 31 October 2026)
- Risks and caveats
- Custodial service; the agreement excludes Tokocrypto's liability for many losses to the extent the law allows.
- Checked
- 31 October 2026
Visitor ratings: do you like Tokocrypto?
Key facts
- Type
- Centralized exchange
- Exchange launched
- 2018
- Country of registration
- Indonesia
- Operator
- PT Aset Digital Berkat (Jakarta, Indonesia)
- Official site
- tokocrypto.com
Key facts checked on 31 October 2026 against official sources and regulator registers.
What is Tokocrypto
Tokocrypto is an Indonesian centralised crypto exchange operated by PT Aset Digital Berkat in Jakarta. The company was founded in 2017 and launched the platform in September 2018. It is licensed by Indonesia's Financial Services Authority (OJK) as a digital financial asset trader and offers rupiah and crypto trading with its own TKO token.
Good to know
- OJK's whitelist lists Tokocrypto (PT Aset Digital Berkat) as a licensed digital financial asset trader (PAKD), licence S-14/D.07/2025 dated 1 February 2025. ↗
- Under an annex to the customer agreement, Tokocrypto acts as the user's agent for trading on Binance's ADGM-recognised exchange and clearing house in Abu Dhabi. ↗
- In 2020 Tokocrypto took an investment from Binance and relaunched as Tokocrypto 2.0 on Binance Cloud. ↗
- Published trading fees include tax and exchange levies: the regular tier is 0.15% before and 0.4044% after these charges. ↗
- Disputes not settled by agreement go to Indonesia's financial-sector alternative dispute resolution body (LAPS SJK). ↗
Services
| Parameter | Details |
|---|---|
| Spot trading | Crypto-to-crypto, rupiah-to-crypto and crypto-to-rupiah trading. |
| Fiat deposits | Rupiah deposits by bank transfer. |
| OTC | OTC desk and a VIP programme, listed in the site menu. |
| Own token | TKO (Toko Token), launched in 2020; paying fees in TKO gives a 25% discount. |
Licences and registrations
| Jurisdiction | Entity | Licence / registration | Regulator |
|---|---|---|---|
| Indonesia | PT Aset Digital Berkat | Licensed digital financial asset trader (Pedagang Aset Keuangan Digital, PAKD), S-14/D.07/2025 of 1 February 2025 (OJK whitelist) | Otoritas Jasa Keuangan (OJK) |
| Indonesia | PT Aset Digital Berkat | Electronic system operator registration with the communications ministry, 000265.01/DJAI.PSE/03/2021 (company statement) | Kementerian Komunikasi dan Digital (Kominfo) |
Security and audits
- ISO 27001 certificate IS 740524 (company statement).
- Users can verify their balances against a published Merkle tree with Binance's zk-proof verifier.
- Two-factor authentication by SMS or Google Authenticator for login and withdrawals.
Security incidents
| Date | What happened | Source |
|---|---|---|
| 27 October 2026 | Phishing: Tokocrypto warns that some users received unofficial notifications linking to an external site and asking them to withdraw assets; it says it is investigating with technical and security teams, has taken handling steps and will give more information once results are verified. Cause and any losses not stated. | support.tokocrypto.com |
Fees
| Parameter | Details |
|---|---|
| Spot maker | 0.15% at the regular tier (0.4044% including tax and exchange levies); 0.0804% at VIP 9 (as of 31 October 2026) |
| Spot taker | 0.15% at the regular tier (0.4044% including tax and exchange levies); 0.0924% at VIP 9 (as of 31 October 2026) |
| TKO discount | 25% off maker and taker fees when paying with TKO (as of 31 October 2026) |
| Withdrawal (IDR) | Rp10,000 per rupiah withdrawal (as of 31 October 2026) |
| Deposit via QRIS / e-wallet | 2% fee on deposits via QRIS and e-wallets (GoPay, OVO, ShopeePay, LinkAja) (as of 31 October 2026) |
| Tax on trades | 0.21% final income tax (PPh Final) on crypto sales and on USDT/crypto pair trades; no VAT on IDR purchases; levies include an ICEx fee (0.0222% on IDR trades) |
Who can use it
- Verification: Users must be at least 17 and verify identity with an Indonesian ID card (KTP), or a passport plus a permanent or limited stay permit (KITAP/KITAS) for foreigners.
- Aimed at Indonesian residents; foreigners need an Indonesian stay permit. Sanctioned countries and parties are excluded.
History
| Date | Event |
|---|---|
| 2017 | PT Aset Digital Berkat (Tokocrypto) is founded. |
| September 2018 | Official launch of the Tokocrypto platform. |
| November 2019 | Becomes, by its own account, the first registered crypto exchange platform in Indonesia. |
| May 2020 | Binance investment and Tokocrypto 2.0 on Binance Cloud. |
| August 2020 | TKO token introduced. |
| 1 February 2025 | OJK licence S-14/D.07/2025 as a digital financial asset trader, after crypto supervision moved from Bappebti to OJK. |
| 1 August 2025 | Applies the 0.21% final income tax on crypto trades and drops VAT, under Finance Ministry regulation PMK 50/2025. |
Risks and caveats
- Custodial service; the agreement excludes Tokocrypto's liability for many losses to the extent the law allows.
- Crypto trading carries high risk; the site's disclaimer says all trading decisions are the user's own.
- Some trades may be executed and cleared through Binance entities in Abu Dhabi under ADGM rules, with disputes under the Binance exchange rules.
About the company
- Legal entity
- PT Aset Digital Berkat
- Founded
- 2017
- Headquarters
- Prudential Centre, 21st floor, Jalan Casablanca Raya Kav. 88, South Jakarta
- Own token
- TKO (Toko Token)
Official links
- Website: www.tokocrypto.com
- Fees: www.tokocrypto.com/fees/newschedule
- Proof of reserves: www.tokocrypto.com/id/proof-of-reserves
- Terms of use: support.tokocrypto.com/hc/id/articles/360004044971-Perjanjian-Pelanggan-Tokocrypto
- Licences: www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-Terbitkan-Whitelist-Penyelenggara-Perdagangan-Aset-Keuangan-Digital-Dan-Aset-Kripto-Berizin.aspx
Questions and answers
Is Tokocrypto regulated?
Yes. OJK's whitelist lists PT Aset Digital Berkat (Tokocrypto) as a licensed digital financial asset trader, licence S-14/D.07/2025 of 1 February 2025.
Who owns Tokocrypto?
It is operated by PT Aset Digital Berkat in Jakarta; Tokocrypto says it secured a Binance investment in 2020 but does not publish its shareholders.
What are Tokocrypto's fees?
As of 31 October 2026 the regular maker and taker fee is 0.15%, or 0.4044% including tax and exchange levies, with a 25% discount when paying in TKO.
Does Tokocrypto publish proof of reserves?
It offers a Merkle-tree proof that logged-in users can check with Binance's zk-proof verifier; no public reserve ratio is shown.
Sources
- OJK - Whitelist of licensed PAKD and registered CPAKD (SP 226/GKPB/OJK/XII/2025)
- Tokocrypto - Customer agreement (Perjanjian Pelanggan)
- Tokocrypto - About
- Tokocrypto - Fee schedule
- Tokocrypto - How to check proof of reserves
- Tokocrypto - Homepage
- Tokocrypto - Transaction fee information
- Tokocrypto - KYC processing time
- Tokocrypto - 2FA security feature
- Tokocrypto - Crypto tax under PMK 50/2025 (effective 1 August 2025)
- Tokocrypto - Security notice (October 2026)
More in this section
How voting works
Votes are anonymous and carry no text. Each device has one vote per item; press the same button again to remove it. Cloudflare Turnstile checks that a person is voting. We keep a random device ID in a cookie and a salted hash of the IP address to limit abuse — no names, no accounts. Votes are visitors’ opinions, not investment advice.
Page updated: