Tokenize Indonesia: How National Heavyweights Are Turning Blockchain Into Real‑World Impact

Indonesia is not pivoting to the next meme coin. Instead, the world’s third‑largest crypto market by users is moving blockchain to the heart of its most strategic institutions.

From July 2025, Bank Rakyat Indonesia (BRI), Pegadaian, POS DIGI, and MDI Ventures will co‑develop tokenization and real‑world asset (RWA) solutions inside Tokenize Indonesia — an experimental program launched by Saison Capital, Coinvestasi, and BRI Ventures (BVI). Together these four giants oversee more than 138 billion USD in assets and serve 65 million customers through over 20 000 outlets. In short, this is not a proof‑of‑concept in a lab. It is national‑grade deployment.

Why It Matters

• Institutional scale: BRI alone manages 130 billion USD and reaches the country’s remotest villages.
• Underserved market: Half of Indonesia’s 270 million citizens remain underbanked, leaving an 88 billion USD RWA opportunity by 2030.
• Regulatory tailwind: Oversight shifts from Bappebti to the Financial Services Authority (OJK) in January 2025, with a sandbox on deck. Tokenize Indonesia is already sandbox‑ready.

Who’s Powering the Stack
IOTA will bring feeless DAG rails for logistics, Stellar will handle cross‑border remittances, Ripple will add enterprise‑grade payments, and Fireblocks will lock down custody — together enabling institution‑ready compliance and security.

What Comes Next
Tokenize Indonesia will showcase its first deployment‑ready pilots at Coinfest Asia on 21‑22 August 2025. Expect previews of tokenized microloans for ultra‑micro merchants, gold‑backed contracts on‑chain, traceable supply‑chain finance, and instant remittances cutting costs for millions of migrant workers.

If successful, the initiative sets the blueprint for Indonesia’s upcoming regulatory sandbox and could anchor the country’s transition from volatile retail crypto trading to sustainable, institution‑led digital asset growth.

Indonesia is not testing blockchain anymore. It is plugging it straight into the nation’s economic engine.