Is my money safe with IDR Yield?

IDR Yield is operated by PT Bumi Santosa Cemerlang, which is licensed and supervised by Otoritas Jasa Keuangan (OJK). Your money stays in your own IDR Cash while it earns yield. Pluang does not invest it, so its rupiah value does not rise or fall with the market, and there is no lock-up period: you can use it or move it out at any time. Pluang calculates your yield every day on your 23:59 WIB balance and credits the monthly total to your IDR Cash by the 10th of the following month, with no fee to take part. What can change is the yield itself: Pluang can change the rate with at least 14 calendar days' notice, and no yield is earned while an account is suspended or restricted. The full program terms are at pluang.com/tnc/idr-yield-tnc.

IDR Yield safety at a glance

Related questions

Q: Who operates IDR Yield?
IDR Yield is operated by PT Bumi Santosa Cemerlang, which is licensed and supervised by Otoritas Jasa Keuangan (OJK). It calculates your yield every day and credits the monthly total to your IDR Cash by the 10th of the following month. IDR Yield is not deposit interest paid by a bank, and its full terms are published at pluang.com/tnc/idr-yield-tnc.

Q: Can I lose money with IDR Yield?
IDR Yield does not invest your money, so your IDR Cash balance does not rise or fall with market prices. What can change is the yield: Pluang can change the rate with at least 14 calendar days' notice, and no yield is earned while your account is suspended or restricted. Any asset you buy with the money carries its own risks.

Q: Is my money locked while it earns IDR Yield?
No. There is no lock-up period. You can use your IDR Cash to buy assets or move it to another Pluang balance at any time; money that is no longer in your IDR Cash at 23:59 WIB simply does not earn yield for that day. Yield you have already earned stays yours and is paid by the 10th of the following month.

Last updated: 14 October 2026