AdaKami
AdaKami is an OJK-licensed Indonesian peer-to-peer lending platform that provides collateral-free, mobile-first unsecured cash loans to unbanked individual borrowers, funded through API partnerships with 13 Indonesian banks and priced under regulatory interest caps.
- Company typePrivate
- Founded2018
- HeadquartersJakarta, Indonesia
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What AdaKami does
AdaKami (legally PT Pembiayaan Digital Indonesia) is an Indonesia-based peer-to-peer lending platform founded in June 2018 and headquartered in Jakarta, operating as a subsidiary of NYSE-listed Chinese fintech FinVolution Group. The platform delivers collateral-free unsecured cash loans to individual Indonesian borrowers aged 18-60 through a mobile-first iOS and Android application, targeting unbanked and underbanked consumers who lack access to traditional bank credit. Loan amounts are disbursed within approximately one day following a digital e-KYC verification and underwriting process, with repayment structured as installments over tenors of up to 12 months and interest rates capped at 0.3% per day (≤6-month tenor) or 0.2% per day (≥6-month tenor) per Indonesian Financial Services Authority (OJK) regulations under SEOJK 19/SEOJK.06/2023.
The company's technical stack centers on AI-powered identity verification and fraud detection — specifically computer-vision-based KTP document analysis, biometric facial matching, and anomaly detection systems claimed to achieve up to 95% fraud-prevention effectiveness against deepfakes and document manipulation. AdaKami operates API-connected disbursement rails with 13 financial institution partners including BCA, BNI, BRI, Mandiri, Bank Jago, SeaBank, OCBC, Hana, Permata, CTBC, SuperBank, and Bank Ganesha, which supply the funding capital lent to borrowers. Revenue is generated from interest and economic benefits charged on outstanding loans, and the business is regulated by OJK under license KEP-128/D.05/2019, holds AFPI membership, and maintains ISO/IEC 27001:2013 certification. Q1 2025 disbursements reached IDR 3.94 trillion (approximately USD 249 million), and the platform has handled and resolved 14,365 consumer complaints in 2025 alone.
AdaKami firmographics
Firmographics- Name
- AdaKami
- Legal name
- PT Pembiayaan Digital Indonesia (AdaKami)
- Website
- https://adakami.id
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- AdaKami is an OJK-licensed Indonesian peer-to-peer lending platform that provides collateral-free, mobile-first unsecured cash loans to unbanked individual borrowers, funded through API partnerships with 13 Indonesian banks and priced under regulatory interest caps.
- Ownership category
- akta.pro rank
AdaKami industry classification
Industry- Product category
- Consumer P2P Lending
- NAICS
- Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where AdaKami is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices2 records
Markets served
AdaKami business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Interest and Economic Benefits on Loans: AdaKami generates revenue by charging borrowers interest (economic benefits) on their loans. For tenor ≤ 6 months, maximum daily interest is 0.3% per day (equivalent to 9% per month); for tenor ≥ 6 months, maximum daily interest is 0.2% per day (equivalent to 6% per month). Loans are repaid in installments over up to 12 months. Revenue is driven by loan volume, borrower creditworthiness, and chosen tenor.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Short-term loan (tenor ≤ 6 months) with 0.3% daily interest |
| Transaction based/ take rate | Monthly | Long-term loan (tenor ≥ 6 months) with 0.2% daily interest |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
AdaKami product offering
Product offeringCore offering
AdaKami operates a mobile-first peer-to-peer lending platform that provides collateral-free, unsecured cash loans to Indonesian individual borrowers. Loans are processed fully digitally through the AdaKami app with AI-powered e-KYC verification, 48-hour approval decisions, and funds disbursed in as fast as 1 day for tenors of up to 12 months, repaid in monthly installments with transparently disclosed interest rates regulated by OJK and AFPI.
Product overview
AdaKami operates as a peer-to-peer lending platform providing unsecured cash loans through its mobile application. The core offering consists of the AdaKami lending platform with digital application processing, 48-hour approval, and AI-powered e-KYC verification. Additional features include a referral program and promotional campaigns like Cair Untung. The platform is licensed by OJK and regulated under AFPI guidelines, targeting Indonesian consumers seeking accessible credit without collateral requirements.
Differentiator
Problem solved
Functional benefit
Products and services
- AdaKami Pinjaman Uang Daring (Peer-to-Peer Lending Platform) A mobile-first peer-to-peer lending platform providing collateral-free, unsecured cash loans to individual Indonesian borrowers. Loans are applied for, approved, and disbursed entirely through the AdaKami Android/iOS app, with approval within 48 hours and disbursement in as fast as 1 day, and are repaid in monthly installments over tenors of up to 12 months at OJK/AFPI-capped interest rates.
- AI-Powered e-KYC Identity Verification An AI-driven identity verification service that analyzes uploaded KTP (Indonesian national ID) and biometric facial data against relevant databases to validate borrower identity during registration, checking document authenticity and biometric consistency.
Quantifiable outcome
- Financing disbursed of IDR 3.94 trillion in Q1 2025
- +3 more outcomes
Companies that use AdaKami
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
AdaKami technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature3 records
AdaKami partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered supporting.
- TechnosupportingAdaKami partnered with Techno in July 2022 for a phone financing program, enabling AdaKami to serve customers seeking device loans in addition to general cash loans.
- LPEM FEB UI (Institute for Economic and Social Research, Faculty of Economics and Business, Universitas Indonesia)supportingLPEM FEB UI conducted an independent study estimating AdaKami's contribution to Indonesia's GDP at IDR 6.95–10.96 trillion (USD 411–649 million) in 2024, supported employment for 47,000–78,000 people, and found 89.2% of AdaKami users demonstrated understanding of loan terms.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
AdaKami competitors and assessment
Company assessmentDirect peers
- Kredivo: Kredivo is one of Indonesia's largest digital lending platforms, offering unsecured personal loans and BNPL to mass-market consumers via a mobile app. It directly competes with AdaKami in the same Indonesian P2P consumer-credit segment with similar target borrowers.
- Julo: Julo is an OJK-licensed Indonesian P2P lending app offering cash loans and credit cards to underbanked consumers. It targets the same unbanked/underbanked borrower segment as AdaKami with comparable tenor and pricing structures.
- Akulaku: Akulaku is an Indonesian and Southeast Asian fintech offering BNPL, cash loans, and digital banking. It overlaps directly with AdaKami on Indonesian consumer cash loans while extending into e-commerce financing.
- Tunaiku (Amar Bank): Tunaiku is the digital lending product of Amar Bank, providing unsecured cash loans to Indonesian consumers via mobile app. As a bank-affiliated digital lender, it competes with AdaKami on speed, accessibility, and pricing.
- Kredit Pintar: Kredit Pintar is an OJK-licensed Indonesian online lending platform serving underbanked borrowers with small-ticket cash loans via mobile. It competes head-to-head with AdaKami in the same regulatory and demographic segment.
- Pinjam (Grab/OVO): Pinjam is an OJK-licensed Indonesian digital lending product from Grab/OVO, offering cash loans to consumers within a super-app ecosystem. It competes with AdaKami on distribution scale, mobile UX, and unbanked borrower acquisition.
- Rupiah Cepat: Rupiah Cepat is an Indonesian online lending app providing small, short-tenor unsecured loans to individual borrowers. It is a direct competitor in the same mass-market P2P consumer lending category as AdaKami.
Emerging players
- Modalku (Funding Societies): Modalku (Funding Societies) is a Southeast Asian P2P lending platform operating in Indonesia, focused primarily on SME/business loans. It is comparable to AdaKami on platform mechanics, regulatory standing, and bank-partner funding model, though its borrower segment differs.
- GoTo Financial (GoPintar / GoPayLater): GoTo Financial, the fintech arm of Indonesia's GoTo super-app, offers consumer credit products including GoPayLater and GoPintar. It competes with AdaKami by leveraging GoTo's massive distribution and ecosystem data.
Broad incumbents
- FinVolution Group: FinVolution Group (NYSE: FINV) is AdaKami's publicly-listed parent and operates large-scale P2P lending platforms in China. As the broader parent platform, it provides strategic, capital, and technology comparability for AdaKami's Indonesian operation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
AdaKami social profiles
Digital presenceAdaKami compliance and trust
Trust signalCompliance3 records
AdaKami financial estimates
Financial estimateRevenue estimate
Valuation estimate
AdaKami leadership team
Management profileNumber of profiles
Profiles1 record
AdaKami funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AdaKami M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AdaKami
What does AdaKami do?
AdaKami operates a mobile-first peer-to-peer lending platform that provides collateral-free, unsecured cash loans to Indonesian individual borrowers. Loans are processed fully digitally through the AdaKami app with AI-powered e-KYC verification, 48-hour approval decisions, and funds disbursed in as fast as 1 day for tenors of up to 12 months, repaid in monthly installments with transparently disclosed interest rates regulated by OJK and AFPI.
Is AdaKami a public or private company?
AdaKami is a private company. It is classified as corporate owned and is currently operating.
When was AdaKami founded?
AdaKami was founded in 2018. It employs 501 to 1,000 people.
Where is AdaKami based?
AdaKami is headquartered in Jakarta, Indonesia, in the Asia region.
How does AdaKami make money?
One revenue line is on record: interest and Economic Benefits on Loans.
Who are AdaKami's main competitors?
Direct peers on record are Kredivo, Julo, Akulaku, Tunaiku (Amar Bank), Kredit Pintar, Pinjam (Grab/OVO) and Rupiah Cepat. Emerging players are Modalku (Funding Societies) and GoTo Financial (GoPintar / GoPayLater). FinVolution Group is listed as a broad incumbent.
Does AdaKami have an API?
Yes. AdaKami provides API services for direct transactions with banking partners, enabling real-time funding processes. The partnership with SeaBank specifically mentions enhancing API services for direct transactions, and the API enables real-time funding disbursement processes.
What industry is AdaKami in?
AdaKami's product category is Consumer P2P Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 5222 and its SIC code is 6141.