What Is Pluang's Onboarding Journey from Registration to First Investment?
Getting started on Pluang takes four steps: register with your mobile number, complete Basic Verification, add any further verification the product you want needs, then top up and buy. Basic Verification alone opens Crypto and Gold. Indonesian Asset Verification and Global & Yield Asset Verification each take up to 1–2 business days, and they open Mutual Funds, Indonesian Stocks, US Stocks, ETFs and US Stock Options. You can invest from Rp10,000 in crypto and gold, or from US$1 in US stocks.
Your journey on Pluang, step by step
| Step | What you do | What it opens |
|---|---|---|
| 1. Register | Download the app, enter an active mobile number from an Indonesian provider, confirm it with the OTP sent by SMS or WhatsApp, and set your PIN | Your Pluang account |
| 2. Basic Verification | Submit a valid e-KTP (WNI) or passport (WNA) and a selfie that matches your ID photo; US citizens also submit a FATCA form | Crypto and Gold |
| 3a. Indonesian Asset Verification (optional) | Confirm your personal data, complete an Investor Profile and add a bank account in your own name; WNI who want Indonesian stocks add a BCA or Bank Jago account. Takes 1–2 business days | Mutual Funds for everyone; Indonesian Stocks for WNI, with an RDN opened for you |
| 3b. Global & Yield Asset Verification (optional) | Add employment details and a trusted contact and accept the terms. Takes up to 1–2 business days | US Stocks, ETFs and US Stock Options, with a Pluang Commodity Account opened for you |
| 4. Top up and invest | Add money with a supported top-up method, open the asset and follow the buy flow | Your initial investment |
You need to be 18 or older to register. Steps 3a and 3b are independent: you can do either, both or neither, depending on what you want to invest in. Every investment can go up or down in value, so start with an amount you are comfortable with.
Learn more: how to verify your identity on Pluang and the top-up methods available on Pluang.
Related questions:
Q: How long does verification take on Pluang?
Indonesian Asset Verification takes 1–2 business days and Global & Yield Asset Verification up to 1–2 business days. If a photo is rejected, you resubmit it, and the new submission is reviewed in 1–2 business days.
Q: Do I need a separate account for each Pluang product?
No, you use one Pluang account. Two products add an account in the background once their verification is approved: an RDN for Indonesian Stocks (WNI only) and a Pluang Commodity Account for US Stocks, ETFs and US Stock Options.
Q: Can I invest on Pluang without completing verification?
No. Basic Verification is required before any investment, and products beyond Crypto and Gold need the further verification shown in the table above.
Q: Do I have to complete every verification step?
No. Only Basic Verification is required for everyone. Indonesian Asset Verification and Global & Yield Asset Verification are needed only for the products they open, and Global & Yield does not require Indonesian Asset Verification beforehand.
Last updated: 6 November 2026