Feature


<ul class="wp-block-list">
<li><a href="#whatismultipleasset" target="_blank" rel="noreferrer noopener">What is Multiple Asset Recurring Investment?</a></li>



<li><a href="#differencefromsingle" target="_blank" rel="noreferrer noopener">How is it different from regular Recurring Investment?</a></li>



<li><a href="#howitworks" target="_blank" rel="noreferrer noopener">How does Multiple Asset Recurring Investment work?</a></li>



<li><a href="#maxassets" target="_blank" rel="noreferrer noopener">Max number of assets per schedule?</a></li>



<li><a href="#minimumtotal" target="_blank" rel="noreferrer noopener">Minimum total amount per schedule?</a></li>



<li><a href="#changeallocation" target="_blank" rel="noreferrer noopener">Can I change assets/allocation after creating?</a></li>



<li><a href="#notifications" target="_blank" rel="noreferrer noopener">Will I get a notification for Multiple Asset Recurring Investment transactions?</a></li>



<li><a href="#partialexecution" target="_blank" rel="noreferrer noopener">If one asset in my Multiple Asset Recurring Investment is unavailable, does it execute partially or fail entirely?</a></li>
</ul>



<h3 class="wp-block-heading" id="whatismultipleasset">What is Multiple Asset Recurring Investment?</h3>



<p>Multiple Asset Recurring Investment is a feature that lets you make recurring purchases for <strong>more than one crypto asset at once</strong> within a single savings schedule.</p>



<h3 class="wp-block-heading" id="differencefromsingle">How is it different from regular Recurring Investment?</h3>



<p>Regular Recurring Investment only supports <strong>one asset per schedule</strong>.</p>



<p>Multiple Asset Recurring Investment lets you save into several assets at once within one schedule, complete with a percentage allocation for each asset.</p>



<h3 class="wp-block-heading" id="howitworks">How does Multiple Asset Recurring Investment work?</h3>



<ul class="wp-block-list">
<li>Choose your savings frequency: <strong>daily, weekly, or monthly</strong>.</li>



<li>Set the total IDR amount you want to save.</li>



<li>Select several crypto assets and set their percentage allocation (e.g., 50% BTC, 30% ETH, 20% SOL).</li>



<li>The feature will automatically buy assets according to the schedule and allocation you set.</li>
</ul>



<h3 class="wp-block-heading" id="maxassets">What&#8217;s the maximum number of assets I can add in one schedule?</h3>



<p>Currently, the number of assets you can schedule for Recurring Investment is <strong>50 assets</strong> total, for both single asset and multiple asset.</p>



<h3 class="wp-block-heading" id="minimumtotal">What&#8217;s the minimum total amount for a Multiple Asset Recurring Investment schedule?</h3>



<p>The minimum amount is <strong>Rp11,000 per asset</strong>. So if you select 5 assets, the minimum total amount is Rp55,000.</p>



<h3 class="wp-block-heading" id="changeallocation">Can I change the assets or percentage allocation after creating a schedule?</h3>



<p>Yes. You can edit the schedule, including changing the assets and their percentage allocation. You can also stop the schedule anytime.</p>



<h3 class="wp-block-heading" id="notifications">Will I get a notification for Multiple Asset Recurring Investment transactions?</h3>



<p>Yes, you&#8217;ll receive a notification whether the transaction succeeds or fails.</p>



<h3 class="wp-block-heading" id="partialexecution">If one asset in my Multiple Asset Recurring Investment is unavailable, does it execute partially or fail entirely?</h3>



<p>If your balance is sufficient, but an asset is unavailable for purchase, your Recurring Investment schedule still executes <strong>partially</strong>. Only the available assets will be executed.</p>


Multiple Asset Recurring Investment at Pintu


<ul class="wp-block-list">
<li><a href="#whatisrecurringinvestment" target="_blank" rel="noreferrer noopener">What is Recurring Investment?</a></li>



<li><a href="#recurringassets" target="_blank" rel="noreferrer noopener">What assets can I use for Recurring Investment?</a></li>



<li><a href="#minimumpurchase" target="_blank" rel="noreferrer noopener">What&#8217;s the minimum purchase amount?</a></li>



<li><a href="#choosescheduule" target="_blank" rel="noreferrer noopener">Can I choose my own schedule?</a></li>



<li><a href="#stopanytime" target="_blank" rel="noreferrer noopener">Can I stop Recurring Investment anytime?</a></li>



<li><a href="#fundsource" target="_blank" rel="noreferrer noopener">Where does the funding come from?</a></li>



<li><a href="#notifications" target="_blank" rel="noreferrer noopener">Will I get transaction notifications?</a></li>



<li><a href="#pricecalculation" target="_blank" rel="noreferrer noopener">How is the purchase price calculated?</a></li>



<li><a href="#endateexecution" target="_blank" rel="noreferrer noopener">Will my Recurring Investment purchase execute if it&#8217;s due on the schedule&#8217;s end date?</a></li>



<li><a href="#withdrawbeforeoneyear" target="_blank" rel="noreferrer noopener">Can it be withdrawn before one year?</a></li>
</ul>



<h3 class="wp-block-heading" id="whatisrecurringinvestment">What is Recurring Investment (Auto DCA)?</h3>



<p>Recurring Investment (Auto DCA / Dollar-Cost Averaging) is a Pintu feature that lets you buy crypto assets automatically and periodically (daily, weekly, or monthly) with a fixed amount, without needing to buy manually every time.</p>



<h3 class="wp-block-heading" id="recurringassets">What assets can I use for Recurring Investment?</h3>



<p>Currently, you can use Recurring Investment for <strong>all token assets</strong> on Pintu.</p>



<p>The list of eligible assets can change based on Pintu&#8217;s updates.</p>



<h3 class="wp-block-heading" id="minimumpurchase">What&#8217;s the minimum purchase for Recurring Investment?</h3>



<p>The minimum recurring purchase is <strong>Rp11,000</strong> per transaction schedule (already includes gas and fees).</p>



<h3 class="wp-block-heading" id="choosescheduule">Can I choose my own schedule?</h3>



<p>Yes, you can choose your purchase frequency: <strong>hourly, daily, weekly, or monthly</strong>, and set the start time and asset you want to buy.</p>



<h3 class="wp-block-heading" id="stopanytime">Can I stop Recurring Investment anytime?</h3>



<p>Yes. You can change or stop your Recurring Investment schedule anytime directly from the Pintu app.</p>



<h3 class="wp-block-heading" id="fundsource">Where does the Recurring Investment funding come from?</h3>



<p>Funds are taken from your IDR wallet balance at Pintu. Make sure your balance is sufficient before the purchase schedule.</p>



<h3 class="wp-block-heading" id="notifications">Will I get a notification for Recurring Investment transactions?</h3>



<p>Yes, you&#8217;ll get a notification each time a transaction is successfully processed, or if it fails due to insufficient balance.</p>



<h3 class="wp-block-heading" id="pricecalculation">How is the purchase price calculated for Recurring Investment?</h3>



<p>The purchase price follows the market price at the time the Recurring Investment schedule executes.</p>



<h3 class="wp-block-heading" id="endateexecution">Will my Recurring Investment purchase execute if it&#8217;s due on the schedule&#8217;s end date?</h3>



<p>Yes, a Recurring Investment purchase due on the schedule&#8217;s end date will still be executed.</p>



<h3 class="wp-block-heading" id="withdrawbeforeoneyear">Can my Recurring Investment balance be withdrawn before one year?</h3>



<p>Yes, you can withdraw/sell your crypto assets at Pintu anytime you want, including assets bought through Recurring Investment.</p>






Recurring Investment at Pintu: Basics, How-To, & Liquidity


<ul class="wp-block-list">
<li><a href="#minimumpurchase" target="_blank" rel="noreferrer noopener">What&#8217;s the minimum purchase amount?</a></li>



<li><a href="#assetprotection" target="_blank" rel="noreferrer noopener">How are user assets protected?</a></li>



<li id="sendtokenized"><a href="#sendtokenized" target="_blank" rel="noreferrer noopener">Can tokenized stocks be sent like crypto?</a></li>



<li><a href="#tradetokenized" target="_blank" rel="noreferrer noopener">Can tokenized assets be traded like crypto?</a></li>
</ul>



<h3 class="wp-block-heading" id="minimumpurchase">What&#8217;s the minimum purchase amount for tokenized assets at Pintu?</h3>



<p>You can buy tokenized assets like tokenized stocks, tokenized gold, tokenized ETFs, tokenized silver, or other tokenized assets at Pintu starting from just <strong>Rp11,000</strong>.</p>



<h3 class="wp-block-heading" id="assetprotection">How are user tokenized stock assets protected?</h3>



<p>Tokenized stock assets have a <strong>1:1 physical guarantee</strong>. Each issued token directly represents ownership rights of the real-world stock, at the same ratio.</p>



<h3 class="wp-block-heading">Can tokenized stocks be sent like crypto assets?</h3>



<p>Currently, sending and receiving tokenized stock assets can only be done:</p>



<ul class="wp-block-list">
<li>Between fellow Pintu users, or</li>



<li>Transferred to an external crypto wallet using the <strong>Solana (SOL)</strong> or <strong>Ethereum (ERC-20)</strong> network.</li>
</ul>



<h3 class="wp-block-heading" id="tradetokenized">Can tokenized assets be traded like regular crypto assets?</h3>



<p>Tokenized assets are classified as crypto assets in general, so they can be traded as usual.</p>


Transacting & Security of Tokenized Assets at Pintu


<ul class="wp-block-list">
<li><a href="#samereal" target="_blank" rel="noreferrer noopener">Are tokenized stocks the same as real stocks?</a></li>



<li><a href="#vsconventional" target="_blank" rel="noreferrer noopener">What&#8217;s the difference from conventional stocks?</a></li>



<li><a href="#dividends" target="_blank" rel="noreferrer noopener">Do tokenized stocks pay dividends?</a></li>



<li><a href="#redeemreal" target="_blank" rel="noreferrer noopener">Can I redeem tokenized stocks for real stocks?</a></li>



<li><a href="#stocksplit" target="_blank" rel="noreferrer noopener">If there&#8217;s a stock split/reverse split, is my balance affected?</a></li>
</ul>



<h3 class="wp-block-heading" id="samereal">Are tokenized stocks the same as real stocks?</h3>



<p>Tokenized stocks mirror the real stock&#8217;s price and provide economic exposure, but they <strong>don&#8217;t grant direct ownership rights</strong> like voting rights.</p>



<h3 class="wp-block-heading" id="vsconventional">What&#8217;s the difference between tokenized stocks and conventional stocks?</h3>



<ul class="wp-block-list">
<li>Tokenized stocks can be traded <strong>24/7</strong>, while conventional stocks only trade during exchange hours.</li>



<li>You can buy fractional shares, without needing to buy a full lot.</li>



<li>Tokenized stock holders <strong>don&#8217;t receive dividends in cash</strong> (see the full explanation below).</li>
</ul>



<h3 class="wp-block-heading" id="vsconventional">Do tokenized stocks pay dividends?</h3>



<p>No, tokenized stocks don&#8217;t distribute dividends in cash.</p>



<p>Instead, dividends are <strong>automatically reinvested</strong> into the same token. This means your tokenized stock token balance <strong>increases</strong> to reflect that dividend, following a multiplier set by each issuer (xStocks or Ondo).</p>



<h3 class="wp-block-heading" id="redeemreal">Can I redeem tokenized stocks for real stocks on the Pintu app?</h3>



<p>No. You can&#8217;t redeem a tokenized stock for its real share on the Pintu app.</p>



<h3 class="wp-block-heading" id="stocksplit">If there&#8217;s a stock split/reverse split, is my balance affected?</h3>



<p>When a stock split or reverse split occurs, Backed Finance updates the token with a new multiplier reflecting the split ratio (e.g., a 2:1 stock split).</p>



<p>As a result, all token holders will see their token balance <strong>increase</strong>, while their <strong>proportional ownership stays the same</strong>.</p>






Tokenized Stocks vs Real Stocks: Differences, Dividends, & Stock Splits


<ul class="wp-block-list">
<li><a href="#tokenizedusstocks" target="_blank" rel="noreferrer noopener">What are tokenized US stocks at Pintu?</a></li>



<li><a href="#whatisxstocks" target="_blank" rel="noreferrer noopener">What is xStocks?</a></li>



<li><a href="#tokenizedetf" target="_blank" rel="noreferrer noopener">What is a tokenized ETF?</a></li>



<li><a href="#xvson" target="_blank" rel="noreferrer noopener">Why do some tokenized assets end in &#8220;X&#8221; and others in &#8220;-on&#8221;?</a></li>



<li><a href="#xstocksissuer" target="_blank" rel="noreferrer noopener">Who issues xStocks?</a></li>



<li><a href="#howxstocksworks" target="_blank" rel="noreferrer noopener">How do xStocks work?</a></li>



<li><a href="#howtokenizedworks" target="_blank" rel="noreferrer noopener">How do tokenized stocks work?</a></li>



<li><a href="#whycreated" target="_blank" rel="noreferrer noopener">Why were tokenized stocks created?</a></li>



<li><a href="#legalindonesia" target="_blank" rel="noreferrer noopener">Are tokenized stocks legal in Indonesia?</a></li>



<li><a href="#xstocksregulated" target="_blank" rel="noreferrer noopener">Are xStocks regulated?</a></li>



<li><a href="#networkavailable" target="_blank" rel="noreferrer noopener">What network are tokenized stocks available on?</a></li>



<li><a href="#taxprovisions" target="_blank" rel="noreferrer noopener">What are the tax provisions for tokenized stocks?</a></li>
</ul>



<h3 class="wp-block-heading" id="tokenizedusstocks">What are tokenized US stocks at Pintu?</h3>



<p>Tokenized US stocks at Pintu are digital tokens whose prices follow real US stocks. For simplicity, &#8220;stocks&#8221; here also covers ETFs and other public assets.</p>



<p>These tokens are issued by two regulated global tokenization platforms: <strong>xStocks/Backed Finance</strong> (X suffix) and <strong>Ondo</strong> (-on suffix). Both issuers ensure the token is fully backed by its underlying asset, held by a licensed custodian.</p>



<p>Tokenized stocks are designed to track the real asset&#8217;s price movement and provide similar economic exposure to holding the underlying stock/ETF, including dividend reinvestment after applicable taxes (depending on the issuer&#8217;s structure).</p>



<p>Examples:</p>



<ul class="wp-block-list">
<li><strong>Tesla</strong>: real ticker TSLA → the Ondo version is <strong>TSLAon</strong>.</li>



<li><strong>Microsoft</strong>: real ticker MSFT → the xStocks version is <strong>MSFTX</strong>.</li>
</ul>



<p>So you can think of &#8220;X&#8221; as the xStocks marker, and &#8220;-on&#8221; as the Ondo/on-chain marker.</p>



<h3 class="wp-block-heading" id="whatisxstocks">What is xStocks?</h3>



<p>xStocks are blockchain-based tokens representing real-world stocks and ETFs. Each xStocks token is backed 1:1 by the real underlying asset.</p>



<h3 class="wp-block-heading" id="tokenizedetf">What is a tokenized ETF?</h3>



<p>A tokenized ETF is a blockchain-based digital asset representing ownership of or exposure to an Exchange-Traded Fund (ETF).</p>



<p>The token mirrors the reference ETF&#8217;s price and lets investors gain exposure to the underlying asset (stocks, indices, gold, or silver) via blockchain technology. Example: a token representing the SPDR S&amp;P 500 ETF Trust, or the iShares Silver Trust.</p>



<p><strong>How it works:</strong></p>



<ol class="wp-block-list">
<li>The real ETF trades on a traditional stock exchange.</li>



<li>The platform issues a token representing that ETF on the blockchain.</li>



<li>The token&#8217;s price follows the reference ETF&#8217;s price.</li>



<li>Investors can buy and sell the token digitally.</li>
</ol>



<p><strong>Difference from a regular ETF:</strong> A regular ETF is bought through a stock broker during exchange hours. A tokenized ETF is traded as a digital token, with more flexible access and a smaller minimum purchase.</p>



<h3 class="wp-block-heading" id="xvson">Why do some tokenized assets end in &#8220;X&#8221; while others end in &#8220;-on&#8221;?</h3>



<p>Tokens ending in <strong>&#8220;X&#8221;</strong> are issued by <strong>xStocks/Backed Finance</strong>. Tokens ending in <strong>&#8220;-on&#8221;</strong> are issued by <strong>Ondo</strong>.</p>



<p>Both offer tokenized exposure to US stocks and ETFs, but come from different issuers, regulations, and infrastructure.</p>



<h3 class="wp-block-heading" id="xstocksissuer">Who issues xStocks?</h3>



<p>xStocks are issued by <strong>Backed Finance (Backed Assets (JE) Limited)</strong>, which operates through a structure compliant with legal terms under an EU prospectus. The underlying equity assets are held by regulated custodians in Switzerland and the United States.</p>



<h3 class="wp-block-heading" id="howxstocksworks">How do xStocks work?</h3>



<p>xStocks represent publicly traded stocks and are designed to track the price of the relevant stock, but they <strong>do not grant voting rights</strong> over the underlying company&#8217;s shares.</p>



<p>xStocks&#8217; issuer, Backed Finance (backed.fi), is legally authorized to hold the real shares and issue their tokenized version on the blockchain.</p>



<h3 class="wp-block-heading" id="howtokenizedworks">How do tokenized stocks work?</h3>



<ol class="wp-block-list">
<li>The issuer buys and holds the real stock as the underlying asset.</li>



<li>Each token represents ownership of the stock or a fraction of it.</li>



<li>The token&#8217;s value moves in line with the stock&#8217;s price on traditional exchanges.</li>



<li>The token can be bought and sold like any other crypto asset, 24/7.</li>
</ol>



<h3 class="wp-block-heading" id="whycreated">Why were tokenized stocks created?</h3>



<p>Tokenized stocks were created to open up access to global stock investing, making it easier, more flexible, and more affordable — especially for investors without direct access to foreign stock markets.</p>



<h3 class="wp-block-heading" id="legalindonesia">Are tokenized stocks legal in Indonesia?</h3>



<p>Tokenized stock assets are registered with <strong>OJK and CFX</strong>.</p>



<h3 class="wp-block-heading" id="xstocksregulated">Are xStocks regulated?</h3>



<p>xStocks are issued by Backed Finance (Backed Assets (JE) Limited), which operates and is regulated under an EU prospectus. The underlying shares are held by custodians regulated in Switzerland and the United States.</p>



<p>Furthermore, the xStocks crypto assets Pintu offers are registered and listed on the <strong>Crypto Asset List (DAK)</strong> published by CFX.</p>



<h3 class="wp-block-heading" id="networkavailable">What network are tokenized stocks available on?</h3>



<p>On the Pintu app, tokenized stocks like <strong>xStocks are only available on the Solana network</strong>, while <strong>Ondo tokenized stocks are only on the Ethereum network</strong>.</p>



<h3 class="wp-block-heading" id="taxprovisions">What are the tax provisions for tokenized stocks?</h3>



<p>Tax provisions for Tokenized Stocks:</p>



<ul class="wp-block-list">
<li>Final <strong>VAT rate of 0.11%</strong> of the crypto purchase transaction value.</li>



<li>Final <strong>Income Tax Article 22 rate of 0.1%</strong> of the crypto sale transaction value.</li>
</ul>


xStocks & Tokenized Stocks at Pintu: Basics & Mechanism


<p>Auto Invest (Recurring Buy) runs automatically on your schedule. This guide explains what happens if a purchase fails due to insufficient balance or an asset under maintenance.</p>



<h3 class="wp-block-heading">1. Insufficient Balance When the Schedule Is Due</h3>



<p>If your balance is insufficient when the purchase is due, the Auto Invest transaction will fail and won&#8217;t be processed. Your balance won&#8217;t be deducted.</p>



<p>Simply top up your balance, and the next transaction will continue as scheduled.</p>



<p>However, if a purchase fails <strong>3 times in a row</strong> due to insufficient balance, the system will automatically deactivate that Auto Invest schedule.</p>



<h3 class="wp-block-heading">2. Insufficient Balance for the Entire Allocation (Multiple Asset Invest)</h3>



<p>For Multiple Asset Invest, if your IDR balance is insufficient when the schedule runs, the <strong>entire</strong> transaction will fail — not just part of it. Make sure your balance is sufficient before the purchase is due.</p>



<h3 class="wp-block-heading">3. Asset Under Maintenance</h3>



<p>Your Auto Invest purchase won&#8217;t be executed while an asset is under maintenance. In this case, your balance won&#8217;t be deducted.</p>






Auto Invest Failure Scenarios: Insufficient Balance & Asset Maintenance Issues


<p>Tokenized gold is a blockchain-based digital asset that represents ownership of physical gold stored in a secure vault. Each token is backed 1:1 by physical gold, ensuring its value directly tracks the market price of gold.</p>



<p>Instead of buying and storing physical gold manually, investors can now own and trade tokenized gold digitally. This product offers the benefits of gold ownership combined with seamless transfers, the flexibility to purchase in small amounts, and 24/7 trading access.</p>



<p>Examples of tokenized gold include PAX Gold (PAXG) and Tether Gold (XAUT), where each token represents a specific amount of physical gold.</p>


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