AsetKu connects borrowers and lenders through a secure mobile app. Apply in minutes, verify fully online, and receive funds fast — with transparent fees and no hidden charges.
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No paperwork, no branch visits. Everything happens inside the AsetKu app.
Download the app and create an account with your phone number and e-KTP in under two minutes.
Our AI checks your documents and confirms your identity instantly with a quick selfie match.
AI credit scoring calculates a fair limit and rate. Review the full cost before you accept.
Accept the offer and funds are disbursed straight to your bank account, often within 24 hours.
Whether you need cash today or want your money to grow, AsetKu has a transparent option for you.
Fast personal financing for everyday needs — education, health, home, or business capital.
Fund vetted borrowers and earn competitive returns. Diversify automatically across hundreds of loans.
From onboarding and underwriting to disbursement, repayment, and reporting, AsetKu runs every part of P2P lending — built for growth, partner integration, and strong security governance.
Fully digital onboarding and identity verification for every borrower.
Loan applications with underwriting integrations for fast, fair decisions.
Connect funders to borrowers and disburse funds quickly and securely.
Automated repayment schedules with clear, on-time billing.
Well-timed, respectful collection support to keep repayments on track.
Unified customer profiles with timely, relevant notifications.
Continuous risk assessment across the borrower and loan portfolio.
Real-time fraud detection that protects borrowers and funders alike.
Built-in controls aligned with OJK regulation and data-protection law.
Unified analytics and operational reporting across the whole platform.
Responsive, multi-channel support throughout the loan lifecycle.
Streamlined operational workflows built to scale with growth and partners.
AsetKu applies generative and cloud AI across customer service, documents, communication, analytics, reporting, and content — moving toward a unified, scalable, secure, and governable AI platform integrated with its application and data services.
AI assists customer service, answering borrower and funder questions quickly and accurately, around the clock.
AI summarizes application documents so teams grasp the essentials and review submissions faster.
AI powers clear, consistent communication across Bahasa Indonesia, English, and more.
AI analyzes operations and generates management reports that speed up decisions.
AI retrieves trusted answers from internal knowledge so teams and customers get accurate information.
Generative AI creates and edits images and video for communication, education, and marketing.
AsetKu operates under Indonesian financial regulation with security standards trusted by banks.
AsetKu is registered and supervised by the Financial Services Authority (OJK) and is a member of AFPI.
All data is protected with 256-bit SSL encryption in transit and at rest, following ISO/IEC 27001 standards.
Every fee, interest charge, and due date is shown clearly before you agree. No hidden costs, ever.
We comply with Indonesia's Personal Data Protection Law (UU PDP). Your information is never sold.
Our systems and AI models undergo regular independent security and fairness audits.
AI-driven monitoring watches every transaction around the clock so your account stays safe.
Easy loans and instant disbursement, right from your phone. Available on Google Play and the App Store.
Questions about a loan, funding, or partnership? Send us a message and we'll reply within one business day.