The rules we work inside
Stating where we stand is more useful than staying quiet. This page changes whenever an answer changes what we are allowed to build.
What is still open
Some licensing and partner questions are with our legal advisers and counterparties right now, and the launch date moves with them. If a market or a product cannot be offered lawfully, we leave it out and say so here rather than shipping it and apologising later.
Janehub, in plain terms
A financial technology product of PT Solusi Anak Sakti, an Indonesian limited liability company. Everything it does runs on top of partners who already hold the relevant permissions: card issuing, payment acquiring, banking and licensed digital asset trading.
The counterparty is paid in their own money
No digital asset ever reaches the merchant. They are paid in their local currency over the card network or a licensed payment provider, so nothing changes for them at the till and nothing is expected of them.
Where the line sits
Janehub is not a bank, holds no banking licence, issues no cards, and never calls a balance a deposit. It gives no investment advice, and it does not lend.
The rules that apply
The rules that shape what we can build, and the practical effect of each. Written for a reader, not for a regulator — and not legal advice.
| Instrument | Practical effect |
|---|---|
| PBI 23/6/PBI/2021 (Indonesia) | Payment services. Settlement runs through providers Bank Indonesia has licensed, rather than through a permission we claim ourselves. |
| Law No. 7 of 2011 on Currency (Indonesia) | Currency. The Rupiah is Indonesia's only legal tender, so a merchant there is always settled in Rupiah and no stablecoin reaches them. |
| AML / CFT and sanctions screening | AML, CFT and sanctions. Businesses and individuals are screened, and the screening keeps running after onboarding finishes. |
| Law No. 27 of 2022 on Personal Data Protection (Indonesia) | Personal data. Consent has to be explicit and tied to a stated purpose, and you keep access and erasure rights over whatever we hold. |
| FATF Recommendation 16 (Travel Rule) | Travel Rule. Originator and beneficiary details travel with transfers that qualify. |
| POJK 27/2024 and POJK 23/2025 (Indonesia) | Digital financial assets. A stablecoin balance becomes local currency only by way of a trader that Bank Indonesia has licensed. |
| EU MiCA, Singapore PSA, US GENIUS Act | MiCA, Singapore's PSA and the US GENIUS Act are what we design against as later markets open, always through a licensed partner. |
| PBI 20/6/PBI/2018 (Indonesia) | Electronic money. That permission belongs to our issuing partners. We do not hold it. |
What we will not do
The things we built rules to prevent. Any of them showing up in a release is treated as an incident and stops the release.
- Never hold a customer’s private key.
- Never store a full card number.
- Never relax identity or company checks.
- Never pass crypto through to a merchant.
- Never call a client balance a deposit.
- Never trade with the company’s own money.
- Never store identity documents in plaintext.
- Never launch a market we cannot lawfully serve.
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