<span class="rt-reading-time" style="display: block;"><span class="rt-label rt-prefix">Reading Time: </span> <span class="rt-time">5</span> <span class="rt-label rt-postfix">minutes</span></span>
<p>Di Pintu, prioritas utama kami selalu untuk menjaga keamanan dan memberi pengalaman yang mudah untuk pengguna berinvestasi crypto.</p>



<p><strong>Keamanan Aset Pengguna</strong></p>



<p>Dalam menjaga keamanan aset pengguna, Pintu menyimpan aset pengguna secara utuh (1:1) di dalam <em>custodian wallet</em> dengan keamanan tingkat dunia yang berlapis. Maka itu, pengguna dapat menarik aset kapan saja. Aset pengguna juga tidak pernah dan tidak akan pernah dipinjamkan, atau dijaminkan (sebagai <em>collateral</em> pinjaman) kepada pihak ke-3.</p>



<p><strong>Keutuhan Aset Pengguna (1:1)</strong></p>



<p>Untuk memperlihatkan keutuhan aset pengguna, satu indikator yang kami nilai tepat untuk diperhatikan dari suatu exchange adalah <em>Reserves vs Liabilities Ratio</em>, yang dihitung sebagai jumlah aset crypto yang disimpan exchange (<em>Reserves</em>) dibagi jumlah aset crypto yang dimiliki oleh pengguna di exchange tersebut (<em>Liabilities</em>).</p>



<p>Nilai ratio yang sehat adalah minimum 1:1 atau 100%, di mana exchange menyimpan jumlah aset crypto yang sama dengan yang dimiliki oleh pengguna-pengguna exchange. Dengan kata lain, sebuah exchange tersebut mempunyai dana atau <em>reserves </em>yang mencakupi jumlah aset-aset penggunanya. Ratio yang diatas 100% mengindikasikan bahwa sebuah exchange menyimpan jumlah aset crypto yang melebihi aset crypto yang dimiliki pengguna.</p>



<p>Berikut adalah snapshot <em>Reserves vs Liabilities Ratio</em> Pintu yang kami ambil pada 15 November 2022, pukul 12:00 WIB.</p>



<p><strong>Grafik A. Rasio Reserves vs Liabilities Pintu untuk Top 10 Tokens per <em>15 November 2022, 12:00 WIB</em></strong></p>



<div class="wp-block-image"><figure class="aligncenter size-full"><img decoding="async" loading="lazy" width="683" height="422" src="https://blog.pintu.co.id/wp-content/uploads/2022/11/Reserves-to-Liabilities-Ratio-Pintu.jpg" alt="Rasio Reserves to Liabilities Pintu" class="wp-image-18743" srcset="https://blog.pintu.co.id/wp-content/uploads/2022/11/Reserves-to-Liabilities-Ratio-Pintu.jpg 683w, https://blog.pintu.co.id/wp-content/uploads/2022/11/Reserves-to-Liabilities-Ratio-Pintu-300x185.jpg 300w" sizes="(max-width: 683px) 100vw, 683px"></figure></div>



<p><strong>Tabel A. Ratio Total Reserves vs Total Liabilities Pintu per <em>15 November 2022, 12:00 WIB</em></strong></p>



<figure class="wp-block-table"><table><thead><tr><th class="has-text-align-left" data-align="left">Overall</th><th class="has-text-align-left" data-align="left">Reserves to Liabilities Ratio</th></tr></thead><tbody><tr><td class="has-text-align-left" data-align="left">All Tokens</td><td class="has-text-align-left" data-align="left">115%</td></tr></tbody></table></figure>



<p><strong>Tabel B. Ratio Reserves vs Liabilities Pintu untuk Top 10 Token di Pintu per <em>15 November 2022, 12:00 WIB</em></strong></p>



<figure class="wp-block-table"><table><thead><tr><th class="has-text-align-left" data-align="left">Top 10 Token</th><th class="has-text-align-left" data-align="left">Reserves to Liabilities Ratio</th></tr></thead><tbody><tr><td class="has-text-align-left" data-align="left">BTC</td><td class="has-text-align-left" data-align="left">106%</td></tr><tr><td class="has-text-align-left" data-align="left">ETH</td><td class="has-text-align-left" data-align="left">104%</td></tr><tr><td class="has-text-align-left" data-align="left">USDT</td><td class="has-text-align-left" data-align="left">155%</td></tr><tr><td class="has-text-align-left" data-align="left">BNB</td><td class="has-text-align-left" data-align="left">103%</td></tr><tr><td class="has-text-align-left" data-align="left">MATIC</td><td class="has-text-align-left" data-align="left">125%</td></tr><tr><td class="has-text-align-left" data-align="left">PTU</td><td class="has-text-align-left" data-align="left">110%</td></tr><tr><td class="has-text-align-left" data-align="left">DOGE</td><td class="has-text-align-left" data-align="left">103%</td></tr><tr><td class="has-text-align-left" data-align="left">USDC</td><td class="has-text-align-left" data-align="left">116%</td></tr><tr><td class="has-text-align-left" data-align="left">ADA</td><td class="has-text-align-left" data-align="left">101%</td></tr><tr><td class="has-text-align-left" data-align="left">GALA</td><td class="has-text-align-left" data-align="left">102%</td></tr></tbody></table></figure>



<p><strong>Tabel C. Ratio Reserves vs Liabilities Pintu untuk Token Lainnya per <em>15 November 2022, 12:00 WIB</em></strong></p>



<figure class="wp-block-table"><table><thead><tr><th class="has-text-align-left" data-align="left">Tokens</th><th class="has-text-align-left" data-align="left">Reserves to Liabilities Ratio</th></tr></thead><tbody><tr><td class="has-text-align-left" data-align="left">Other Tokens</td><td class="has-text-align-left" data-align="left">&gt;101%</td></tr></tbody></table></figure>



<p>Seperti yang terlampir dalam grafik dan tabel di atas, kami selalu memastikan adanya total reserve minimal 1:1, bahkan lebih (<em>over-reserved</em>) dibandingkan dengan aset yang dimiliki users. Kelebihan reserve ini kami tambahkan sebagai penyangga, dan juga modal kerja (<em>working capital)</em> Pintu sebagai platform aggregator crypto yang memfasilitasi order pembelian/penjualan pengguna dengan cepat dan aman.</p>



<p><strong>Kemudahan Pengguna untuk Beli / Jual Crypto di Pintu</strong> </p>



<p>Untuk memberikan <em>user experience</em> yang mudah, Pintu menampilkan harga final kepada pengguna. Pintu berperan sebagai aggregator yang bekerjasama dengan berbagai penyedia likuiditas untuk mencari harga yang terbaik dan final untuk pengguna Pintu sehingga pengguna tidak harus lagi menganalisa <em>orderbook</em> pasar saat mengkonfirmasi pembelian / penjualan crypto di Pintu. Dengan model operasional aggregator, maka kami dapat memberikan harga final tanpa komisi tambahan dan juga memudahkan pengguna, khususnya pemula, dalam melakukan pembelian / penjualan crypto. Aggregator model serupa juga diterapkan oleh beberapa platform investasi global seperti: Coinbase, Robinhood, dan banyak lagi.</p>



<p><strong><em>Proof of Solvency</em> atau Rasio Reserves vs Liabilities yang Diverifikasi dan Audit</strong></p>



<p>Tidak dipungkiri bahwa sedang ramai dibicarakan terminologi <em>Proof-of-Reserve&acirc;,</em> namun perlu dimengerti bahwa laporan tersebut tidak sepenuhnya memperlihatkan keseimbangan 1:1 antara aset yang dimiliki perusahaan (reserve) vs yang dimiliki pengguna di platform tersebut (liabilitas). Kami percaya indikator <em>Reserves vs Liabilities ratio</em> dapat menggambarkan keadaan finansial suatu exchange dengan lebih menyeluruh.</p>



<p>Selanjutnya, untuk menyediakan <strong>transparansi penuh dan kepastian kepada pengguna</strong>, Pintu juga berkomitmen untuk melakukan audit dengan pihak independen dan membagikan hasil laporan verifikasi mengenai keamanan dan keutuhan (1:1) aset pengguna di Pintu dalam beberapa minggu ke depan.</p>



<p>Jika teman-teman Pintu memiliki pertanyaan, team community dan customer support kami selalu siap untuk melayani 24/7.</p>







<p><strong>Update 19 December 2022</strong></p>



<p>Sesuai dengan komitmen kami untuk menyediakan transparansi penuh, kami telah melakukan audit dengan auditor independen yang terdaftar dan memiliki izin dari Kementerian Keungan Indonesia, untuk memverifikasi keseimbangan 1:1 antara aset yang dimiliki perusahaan (reserve) vs yang dimiliki pengguna di platform tersebut (liabilitas). <a href="https://blog.pintu.co.id/wp-content/uploads/2022/12/Audit-November-2022-POR-Pintu.pdf">Berikut ini</a> adalah hasil dari audit independen mengenai proof of solvency Pintu.</p>



<div style="height:32px" aria-hidden="true" class="wp-block-spacer"></div>







<h2 class="wp-block-heading joli-heading" id="english-translation"><strong><em>English Translation</em></strong></h2>



<div style="height:32px" aria-hidden="true" class="wp-block-spacer"></div>



<h2 class="wp-block-heading joli-heading" id="pintu-commitment-to-safety-and-transparency"><strong>Pintu Commitment to Safety and Transparency</strong></h2>



<p>At Pintu, in providing our users with the best experience to access and invest in crypto, our number one priority is to always ensure the security of our users assets.</p>



<p><strong>Ensuring The Safety of Users Assets</strong></p>



<p>To achieve this, we safely store users&rsquo; crypto assets 1:1 in custody wallets equipped with world-class security standards, which enables our users to make withdrawals at any time. Pintu does not, has never, and will never utilize customers assets to trade, lend, nor will we use assets as a form of collateral for loans.</p>



<p><strong>Using the</strong> <strong>Reserves to Liabilities Ratio to Indicate 1:1 Storage of Users Assets in an Exchange</strong></p>



<p>As a measure of whether users&rsquo; assets in an exchanges reserves is 1:1, one indicator that we believe represents this holistically and accurately is the <em>Reserves vs Liabilities Ratio</em>.</p>



<p>The Reserves vs Liabilities Ratio is calculated as the ratio between the total assets that an exchange holds (Reserves) vs the total assets that the users of the exchange owns (Liabilities). A healthy ratio is a minimum of 1:1 or 100%, whereby there is an equal amount of total assets that an exchange has in its reserves and the total assets that users own. In other words, the exchange has in its reserves the full balance of its users&rsquo; assets. A ratio above 100% indicates that an exchange is storing reserves in the amount that exceeds the assets that its users own.</p>



<p>Below is the snapshot of Pintu Reserves vs Liabilities Ratio that was taken on 15 November 2022, at 12:00 WIB.</p>



<p><strong>Graph A. Reserves vs Liabilities Ratio for Top 10 Tokens on Pintu.</strong></p>



<div class="wp-block-image"><figure class="aligncenter size-full"><img decoding="async" loading="lazy" width="683" height="422" src="https://blog.pintu.co.id/wp-content/uploads/2022/11/Reserves-to-Liabilities-Ratio-Pintu-1.jpg" alt="Rasio Reserves to Liabilities Pintu" class="wp-image-18744" srcset="https://blog.pintu.co.id/wp-content/uploads/2022/11/Reserves-to-Liabilities-Ratio-Pintu-1.jpg 683w, https://blog.pintu.co.id/wp-content/uploads/2022/11/Reserves-to-Liabilities-Ratio-Pintu-1-300x185.jpg 300w" sizes="(max-width: 683px) 100vw, 683px"></figure></div>



<p><strong>Table A. Pintu Total Reserves vs Total Liabilities Ratio</strong></p>



<figure class="wp-block-table"><table><thead><tr><th class="has-text-align-left" data-align="left">Overall</th><th class="has-text-align-left" data-align="left">Reserves to Liabilities Ratio</th></tr></thead><tbody><tr><td class="has-text-align-left" data-align="left">All Tokens</td><td class="has-text-align-left" data-align="left">115%</td></tr></tbody></table></figure>



<p><strong>Table B. Reserves vs Liabilities Ratio for Top 10 Tokens on Pintu.</strong></p>



<figure class="wp-block-table"><table><thead><tr><th class="has-text-align-left" data-align="left">Top 10 Token</th><th class="has-text-align-left" data-align="left">Reserves to Liabilities Ratio</th></tr></thead><tbody><tr><td class="has-text-align-left" data-align="left">BTC</td><td class="has-text-align-left" data-align="left">106%</td></tr><tr><td class="has-text-align-left" data-align="left">ETH</td><td class="has-text-align-left" data-align="left">104%</td></tr><tr><td class="has-text-align-left" data-align="left">USDT</td><td class="has-text-align-left" data-align="left">155%</td></tr><tr><td class="has-text-align-left" data-align="left">BNB</td><td class="has-text-align-left" data-align="left">103%</td></tr><tr><td class="has-text-align-left" data-align="left">MATIC</td><td class="has-text-align-left" data-align="left">125%</td></tr><tr><td class="has-text-align-left" data-align="left">PTU</td><td class="has-text-align-left" data-align="left">110%</td></tr><tr><td class="has-text-align-left" data-align="left">DOGE</td><td class="has-text-align-left" data-align="left">103%</td></tr><tr><td class="has-text-align-left" data-align="left">USDC</td><td class="has-text-align-left" data-align="left">116%</td></tr><tr><td class="has-text-align-left" data-align="left">ADA</td><td class="has-text-align-left" data-align="left">101%</td></tr><tr><td class="has-text-align-left" data-align="left">GALA</td><td class="has-text-align-left" data-align="left">102%</td></tr></tbody></table></figure>



<p><strong>Table C. Reserves vs Liabilities Ratio for other Tokens on Pintu.</strong></p>



<figure class="wp-block-table"><table><thead><tr><th class="has-text-align-left" data-align="left">Tokens</th><th class="has-text-align-left" data-align="left">Reserves to Liabilities Ratio</th></tr></thead><tbody><tr><td class="has-text-align-left" data-align="left">Other Tokens</td><td class="has-text-align-left" data-align="left">&gt; 101%</td></tr></tbody></table></figure>



<p>As seen on the tables and graph above, Pintu always ensure that our total reserves has a minimum ratio of 100% (or 1:1) with our users&rsquo; assets, and even exceeds this by reserving additional amounts. These additional reserves serve as a buffer and working capital for us to facilitate or execute our users&rsquo; trades as an aggregator.</p>



<p><strong>Simplicity for Users to Trade Crypto on Pintu</strong></p>



<p>To provide users with a simple and user-friendly experience, Pintu offers a final price when users trade. Pintu serves as an aggregator who works with a number of liquidity providers to ensure that we give users the best liquidity and pricing without requiring users the hassle of having to analyze order books on their own. Operating as an aggregator, this allows Pintu to provide customers with a final price without additional hidden fees or commissions and makes it easier for users, especially first time investors to buy and sell crypto assets. This model has also been adopted by several other investing platforms globally, such as: Coinbase, Robinhood, and others.</p>



<p><strong>Verification and Audit of Pintu <em>Proof of Solvency</em> or Reserves vs Liabilities Ratio</strong></p>



<p>It is apparent and understandable that there has been a recent increase in discussions regarding Proof-of-Reserves from exchanges. However, by providing our Reserves vs. Liabilities ratio, we would like to show a broader and more balanced indicator that takes into consideration our Liabilities (users deposits) as well as our Reserves and a better gauge of the 1:1 relationship between these two.</p>



<p>Furthermore, to better provide transparency and peace of mind to our users, Pintu is committed to engaging an independent third-party to perform an audit of our claims and sharing the reports of this audit to verify that Pintu is safely storing users&rsquo; assets 1:1 within the next few weeks.</p>



<p>Pintu is here for you 24/7. If you have any questions, please don&rsquo;t hesitate to reach out to our community and customer service teams.</p>



<p><strong>Update 19 December 2022</strong></p>



<p>We have completed an audit process with an independent auditor, that is registered and licensed by the Indonesia Ministry of Finance, to verify the 1:1 ratio of our reserve vs liabilities as shared above. The audit report can be viewed <a href="https://blog.pintu.co.id/wp-content/uploads/2022/12/Audit-November-2022-POR-Pintu.pdf">here</a>. </p>


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