MAROKO133 Update startup: 💸 Fresh rounds roll in. 🤝 INA–EDC pact lands US$600M. 🌱 Climate

   Oktober 15, 2025  Posted in Startup

📌 MAROKO133 Update startup: 💸 Fresh rounds roll in. 🤝 INA–EDC pact lands US$600M.

Dear subscribers,

We’re back with a sharp, no-noise briefing for founders, investors, VCs, and regulators across Indonesia, the region, and beyond. Inside: this week’s key moves in funding, market expansion, strategic partnerships, and policy enforcement—distilled into actionable insights for faster decisions.

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Best regards,
The DailySocial Team

🚨 What’s New

  • Startup funding highlights in Indonesia this week:

    • Alodokter (healthtech): Undisclosed syndicated round led by AngelCentral; supports expansion across telemedicine, bookings, e-pharmacy; 20M+ MAUs.

    • IDRX (Rupiah stablecoin): US$300K pre-seed led by eMerge by MDI Ventures (w/ Indodax, MANSA, Lisk, Camp, angels); focus on security, compliance, and adoption; US$90M+ tx volume since early-2024 launch.

    • ForU AI (AI identity): US$2.5M seed from NLS Ventures, IBC, WAGMi, 1982 Ventures + angels; building user-owned AI-DiD; $FORU token and 50M airdrop targeted Q1 2025.

    • Yup / Finture (neobank & paylater): US$32M Series C1 led by Moore Strategic Ventures and Spice Expeditions; total funding US$100M+; breakeven target end-2025; OJK/BI-licensed group entities; expanding digital insurance (Indotekno, Fuse).

    • Ayoconnect (fintech infra): Undisclosed round led by Finch Capital (w/ ION Pacific); reinforces disciplined growth and near-term break-even plan.

    • FAZZ (fintech infra): US$10M filing from UQ Fintech Lab; total equity funding US$193M+ to date.

  • OJK, the Indonesian National Police, and multiple agencies repatriated and detained AAG, former Director of PT Investree Radhika Jaya, for allegedly raising Rp2.7T illegally (Jan 2022–Mar 2024) via SPVs PT Radhika Persada Utama and PT Putra Radhika Investama. Charges include Article 46 jo Article 16(1) Banking Law and Article 305(1) Law No. 4/2023 (P2SK) jo Article 55 Criminal Code, carrying 5–10 years imprisonment. After a Red Notice in Nov 2024 and non-cooperation while in Doha, Qatar, authorities executed NCB-to-NCB cooperation, G2G diplomacy, and passport revocation; AAG is now held at Bareskrim. OJK continues to coordinate on victim reports and commends the inter-agency effort to protect consumers and enforce financial-sector integrity. [Read more]

  • Indonesia Investment Authority (INA) and Export Development Canada (EDC) signed a Market Leader Partnership MoU providing up to US$600M in financing for INA-priority projects in infrastructure, renewable/clean tech, and agrifood. The partnership pairs EDC’s global reach with INA’s local mandate to generate socio-economic impact, deepen two-way trade, and crowd-in global capital. For Canada, it expands commercial presence in Indonesia—its largest Southeast Asian export market since 2024—while supporting quality job creation. INA frames the MoU as more than financing: it aims to design trusted funding structures that bolster long-term competitiveness; EDC will mobilize its exporter/investor network to surface opportunities. Established in 2020, INA targets transport, logistics, digital, green energy, healthcare, food, and advanced materials. [Read more]

👏 What’s Exciting

  • Oracle to build hyperscale data center & AI footprint in Indonesia.
    Oracle announced plans to invest in Indonesia’s tech infrastructure, focusing on a large-scale data center in Batam (≈120MW power capacity) and AI solutions to accelerate national digital transformation. In partnership with Danantara and with government support, Oracle aims to strengthen data sovereignty, expand digital infrastructure, and create skilled jobs—serving public sector, banking, and enterprises, and extending reach via Nongsa Digital Park. Sustainability considerations will be integrated as part of the permitting process.

  • OpenAI launches ChatGPT Go in Indonesia.
    OpenAI introduced ChatGPT Go in Indonesia—the second country globally to receive the service. Priced at Rp75,000/month, it targets free users seeking premium capabilities at a lower price point, including access to GPT-5, more image generation, expanded file uploads, advanced data analysis, and custom GPT building. Indonesia’s user base has reportedly tripled year-over-year, ranking among the global top five. OpenAI reiterated its data-privacy commitments; the government welcomed broader AI access. ChatGPT Go complements Plus and Pro, and will compete with other premium AI offerings such as Google’s Gemini.

  • Danantara Trust Fund – US$100M initial philanthropic allocation.
    Danantara committed US$100M to seed philanthropy programs in education, health, and WASH, in collaboration with the Bill & Melinda Gates Foundation. CEO Rosan Roeslani said Danantara will allocate 1–2% of annual dividends to sustain social initiatives. This “philanthropy lab” runs through Jan 2026, with concrete partnerships to follow. Backed by President Prabowo Subianto—who met Bill Gates during UNGA 80—the initiative seeks humanitarian projects that tackle poverty, hunger, and education gaps, positioning Indonesia as a regional philanthropy hub.

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    🔗 Sumber: dailysocial.id

    📌 MAROKO133 Eksklusif startup: Xendit acquires Payex 🇲🇾, Danantara targets $10B de

    Dear subscribers,

    We’re back in your inbox with a fast, zero-fluff briefing for founders, investors, VCs, and regulators across Indonesia, Southeast Asia, and beyond. This week: Xendit’s Malaysia push, Dunkin’s new operator, Danantara’s $10B deployment plan, TikTok’s license reinstatement, HSBC’s tokenised deposits rollout, and a governance watch on P2P lending—distilled into what matters and why.

    Best regards,
    The DailySocial Team

    What’s New

    • Xendit expands into Malaysia 🇲🇾. Indonesia’s leading payment gateway has completed the full acquisition of Payex, a Bank Negara–licensed payment gateway provider, and will rebrand it as Xendit Malaysia. Announced at the Selangor Smart City & Digital Economy Convention 2025, this move follows Xendit’s initial investment in Payex in early 2023. Since entering Malaysia, Xendit has onboarded 4,500+ businesses, processed over MYR 5 billion (~US$1.1 billion) in transactions, and plans to expand its local team, partnerships, and education initiatives. The new entity will be led by Jayson Poon, former central bank official. [Read More]

    • Dunkin’ Donuts Indonesia enters new era 🍩. F&B local startup, DailyCo, through its subsidiary PT Diamonds Donuts Internasional (DDI), has officially taken over the master franchise license of Dunkin’ Donuts Indonesia from PT Dunkindo Lestari, effective October 7, 2025. The first new outlet is planned for Jakarta in Q4 2025, followed by gradual expansion through both flagship and neighborhood cafés. The move marks Dunkin’s major comeback in Indonesia’s growing bakery (US$50B+, 9.4% CAGR 2025–2029) and coffee (7% annual growth through 2031) markets. [Read More]

    • Danantara to deploy $10B investments in 3 months 💰. Indonesia’s sovereign investment body, Danantara, aims to channel US$10 billion by January 2026, with 80% focused domestically. Current investments include projects in Saudi Arabia, renewable energy, and waste-to-power. CIO Pandu Sjahrir highlighted Indonesia’s mix of high yield and stability supported by low inflation and a young population. Danantara also aims to boost local capital market liquidity—currently around US$1B in daily turnover—far below India’s US$10–11B. [Read More]

    • TikTok back in business 🎥. Indonesia has lifted TikTok’s license suspension after the company provided aggregated operational data requested by the government, including livestream, monetization, and web traffic activity. The suspension, imposed on October 3, followed incomplete compliance during unrest linked to a delivery driver’s death. With over 100 million users, TikTok’s return underscores its reliance on Indonesia as its largest Southeast Asian market, amid ongoing debates over data transparency and user trust. [Read More]

    What’s Exciting

    1️⃣ HSBC tokenizes deposits in Singapore 🪙. HSBC has expanded its Tokenised Deposit Service (TDS) to Singapore after launching in Hong Kong. The service allows instant 24/7 settlement using DLT-based digital tokens representing fiat deposits. Ant International became the first client to complete SGD and USD transactions across HSBC Singapore and Hong Kong, highlighting TDS’s potential in liquidity and FX management. The bank plans further rollouts in the UK and Luxembourg, positioning Singapore as a global treasury hub.

    2️⃣ SBI Holdings joins Amar Bank 🇯🇵🇮🇩. Japan’s SBI Holdings has acquired over 5% stake in Amar Bank, becoming its third-largest institutional investor after Tolaram and Jagat Raya Imajinasi. Amar Bank CEO Vishal Tulsian said the partnership will enable synergy with SBI’s vast ecosystem, furthering Amar’s mission to transform retail and MSME banking in Indonesia.

    What’s Next: Strengthening Fintech Governance Before the Snowball Effect Hits ⚖️

    Indonesia’s fintech lending industry continues its rapid climb — outstanding loans reached Rp 87.61 trillion as of August 2025, up 21.6% YoY, according to the Financial Services Authority (OJK). Despite a relatively low 2.6% delinquency rate, the surge signals growing systemic risk if governance gaps persist.

    Several players still fall short of the minimum capital requirements (Rp 12.5B for P2P platforms; Rp 100B for multifinance firms). OJK is urging recapitalization or new investor entry to prevent potential liquidity shocks. The Dana Syariah case — where lenders faced withdrawal delays despite a 99.82% repayment rate — underscores how weak governance can erode investor trust.

    OJK has intensified enforcement, issuing hundreds of administrative sanctions in August 2025 and coordinating with law enforcement to uphold compliance and solvency standards.

    With fintech lending expanding fast, stronger governance and risk management are urgently needed. If capital adequacy, transparency, and compliance issues are left unchecked, isolated incidents could escalate into a systemic crisis. As Dana Syariah’s case shows, trust is fragile and rebuilding it starts with firm, proactive regulation.

    🔗 Sumber: dailysocial.id

🤖 Catatan MAROKO133

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Author: timuna