What is Indonesian Asset Verification on Pluang?
Indonesian Asset Verification (Verifikasi Aset Indonesia) is the Tier 2 KYC step on Pluang, completed after Basic Verification, that unlocks Mutual Funds and Indonesian Stocks. Any Pluang user aged 18 or older who finishes this step gains Mutual Fund access; Indonesian Stocks access through this step is available to Indonesian citizens (WNI) only — foreign nationals (WNA) can complete it for Mutual Funds but not for Indonesian Stocks. For WNI applying for Indonesian Stocks, Pluang automatically opens an RDN (Rekening Dana Nasabah) at Bank Jago or BCA the moment this verification is approved — there is no separate account-opening step or fee. Processing takes 1–2 business days after you submit your documents, and you must have already completed Basic Verification (e-KTP, NPWP, and selfie) before starting this step.
Before you start:
- Minimum age: 18 years old
- Prerequisite: Basic Verification (Tier 1) must already be complete
- Processing time: 1–2 business days after document submission
- Cost: Free — no fee to complete this verification or to open the RDN it unlocks
What it unlocks by user type:
| User Type | Mutual Funds | Indonesian Stocks |
|---|---|---|
| Indonesian citizen (WNI) | Yes | Yes — RDN opened automatically on approval |
| Foreign national (WNA) | Yes | Not currently available |
Documents and data required:
| Item | Notes |
|---|---|
| Personal data | Must match your ID card exactly |
| Investor Profile | Based on your risk tolerance and expected return |
| Active bank account in your own name | For Mutual Fund proceeds and RDN withdrawals |
| Family card (Kartu Keluarga) — latest version | Required if your occupation is Homemaker, Student, or University Student |
| Signature | Must match the signature on your e-KTP |
| BCA or Bank Jago account (WNI only) | Used to open your RDN — required to trade Indonesian Stocks |
Navigation: Account → Identity Verification → Indonesian Asset Verification
Related questions:
Q: How long does Indonesian Asset Verification take on Pluang?
Processing takes 1–2 business days after you submit all required documents. You'll get an in-app notification once the review is complete, and if you're a WNI applying for Indonesian Stocks access, your RDN account is created automatically the moment your verification is approved — no extra step or fee is needed to open it separately. If any document fails the check, you'll be asked to resubmit, which restarts the 1–2 day review clock.
Q: Do I need to be 18 to complete Indonesian Asset Verification?
Yes, you must be at least 18 years old, the same minimum age Pluang requires for any account activity. Since 27 April 2026, Pluang checks the date of birth on your submitted ID during Basic Verification and blocks registration for anyone under 18, so by the time you reach Indonesian Asset Verification your age has typically already been confirmed. Existing users who registered under the prior 17+ rule and turned out to be under 18 lost transaction access from 15 June 2026 onward.
Q: Can foreign nationals (WNA) complete Indonesian Asset Verification?
Yes, but with a limitation: WNA users can complete this step to unlock Mutual Funds, but Indonesian Stocks access through Indonesian Asset Verification is currently available to Indonesian citizens (WNI) only. A WNA who finishes this verification will not receive an RDN, since RDN accounts are opened only for users approved for Indonesian Stocks trading. For the Mutual Fund portion, any active bank account in the WNA's own name is accepted — a BCA or Bank Jago account isn't required.
Q: Do I need a BCA or Bank Jago account to complete Indonesian Asset Verification?
Only if you're a WNI applying for Indonesian Stocks access — your BCA or Bank Jago account is used to open your RDN (investor fund account) automatically once approved. If you only want Mutual Funds access, any active bank account in your own name is enough; you don't need specifically BCA or Bank Jago for that portion. BCA and Bank Jago are currently Pluang's only two RDN bank partners, so no other bank can be substituted for RDN creation.
Q: What happens if the name on my bank account doesn't match my Pluang account?
Your verification will be rejected. The name on the bank account you submit must exactly match the name registered in your Pluang account and on your e-KTP — any mismatch, including a shortened name or missing middle name, stops the review until you resubmit with matching details. If your bank account is under a different name entirely, you'll need to add a bank account that is genuinely in your own name before resubmitting.