Which balance do I use to buy Tokenized Stocks, and where do sale proceeds go?
You buy Tokenized Stocks on Pluang with US dollars from your USD Cash, and when you sell, the proceeds go back to your USD Cash as soon as the sale is executed. Tokenized Stocks on Pluang are facilitated by PT Bumi Santosa Cemerlang, a Digital Financial Asset Trader licensed and supervised by Indonesia's Financial Services Authority (OJK). Even though tokenized stocks are crypto assets, you don't use rupiah from your IDR Crypto Funding, USDT or any other crypto to buy them, and you never receive USDT when you sell. If your USD Cash is empty, convert rupiah to USD in the app first. On a buy, the total you pay from USD Cash includes the transaction fee, third-party fees and tax. On a sell, they are deducted from the proceeds before the rest is credited. The confirmation screen shows the exact total either way, so you always know the amount before you confirm.
Where the money goes
| Buy | Sell | |
|---|---|---|
| Money comes from | USD Cash | Your tokenized stock holding |
| Money goes to | Your tokenized stock holding | USD Cash |
| Fees and tax | Included in the total you pay | Deducted from the proceeds |
| Timing | Tokens appear once the order is executed | Proceeds credited once the order is executed |
USD in your USD Cash can be used for other products on Pluang that accept it, such as US Stocks, or converted back to rupiah.
Related questions
Q: Can I use my IDR Crypto Funding or USDT balance?
No. Tokenized stocks are paid only from USD Cash. Rupiah in your IDR Crypto Funding and USDT in your USDT Wallet can't be used directly, even though tokenized stocks are crypto assets. If you want to use rupiah, convert it to USD first; the conversion has its own exchange rate and fee, shown before you confirm. Then buy the tokenized stock with the USD in your USD Cash.
Q: How fast are sale proceeds credited?
Straight away. As soon as your sell order goes through, the proceeds, after the transaction fee, third-party fees and tax, are credited to your USD Cash. You can use them right away for another purchase on Pluang, or convert them to rupiah. Withdrawing the money from Pluang then follows the usual rules for USD Cash and rupiah withdrawals, which are the same as for any other sale.
Q: Does USD I spend on tokenized stocks still earn USD Yield?
No. USD that you spend on a tokenized stock leaves your USD Cash, so it no longer counts toward your USD Yield balance. Sale proceeds credited back to USD Cash count again from then on, under the usual USD Yield rules. Tokenized stocks themselves don't earn USD Yield; their value moves with the company's share price, and any dividends the company pays are paid as additional tokens, not to your USD Cash.
Last updated: 6 November 2026