What's the Difference Between Crypto Receive and Top Up on Pluang?
The difference between Crypto Receive and Top Up on Pluang is what actually moves into your account. Crypto Receive brings a crypto asset itself — such as BTC or ETH — into your Pluang holdings from an external wallet, an exchange, or another Pluang user, travelling over a blockchain network. Top Up instead adds IDR (fiat currency) to your IDR Cash Wallet through a payment method like Virtual Account, bank transfer, GoPay, or QRIS, and never involves crypto directly. In short: Crypto Receive is a blockchain transfer of coins you already own elsewhere; Top Up is a fiat payment that gives you Rupiah spending power inside Pluang.
| Crypto Receive | Top Up | |
|---|---|---|
| What comes in | The crypto asset itself (e.g. BTC, ETH) | IDR (fiat currency) |
| Where it lands | Your crypto holdings on Pluang | Your IDR Cash Wallet |
| Source | Another Pluang user or an external wallet address | Virtual Account, bank transfer, GoPay, or QRIS |
| Requires a network? | Yes — sender and recipient must match the network | No — a fiat payment method, not a blockchain transfer |
| Typical fee | Always free on Pluang's side | Depends on the method — VA transfers carry a per-transaction fee |
| Reversible? | No — on-chain transfers are irreversible | Follows the payment method's own rules |
Related questions:
Q: Can I use Top Up to add crypto to my account?
No — Top Up only adds IDR to your IDR Cash Wallet via fiat methods. To hold crypto, Top Up for Rupiah first, then buy the coin; that purchase, not the Top Up, gives you crypto.
Q: Can I use Crypto Receive to add IDR to my account?
No — Crypto Receive only brings in a crypto asset over a blockchain network. For Rupiah, use Top Up, or sell crypto you hold so the proceeds settle as IDR.
Q: Which one should I use to buy crypto with money from my bank?
Top Up first to fund your IDR Cash Wallet, then buy the crypto with that balance. Crypto Receive can't take money from your bank because it isn't a fiat method.
Q: Do they have the same fee structure?
No — Crypto Receive is always free on Pluang's side (a sending platform may charge its own network fee). Top Up fees depend on the method; VA transfers carry a per-transaction fee.
Q: Where does each one land?
Crypto Receive deposits the coin into your crypto holdings; Top Up credits Rupiah to your IDR Cash Wallet — one is an asset, the other is spending money.