Easycash
Easycash is an OJK-licensed Indonesian P2P lending platform offering unsecured cash loans up to IDR 100 million to underbanked consumers and SMEs, connecting them with 250,000+ lenders through a mobile-first digital marketplace.
- Company typePrivate
- Founded2016
- HeadquartersJakarta, Indonesia
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Easycash does
Easycash, operated by PT Indonesia Fintopia Technology, is an OJK-licensed peer-to-peer lending platform based in Jakarta, Indonesia. Founded in 2016, the company operates a digital two-sided marketplace that connects individual borrowers and micro/small businesses seeking unsecured cash loans with retail and institutional lenders seeking yield. Its core product, the Easycash Cash Loan, offers loan limits up to IDR 100 million with a three-step online application, three-minute verification, and 24-hour fund disbursement, targeting underbanked consumers, informal sector workers, and small enterprises that lack access to traditional bank credit.
The platform runs entirely through mobile (iOS/Android) and web self-serve channels, with no physical branches, and incorporates end-to-end encryption, real-time account monitoring, and data protection on certified servers. Easycash earns revenue primarily through the interest spread between borrower rates and lender returns, supplemented by platform fees on each loan transaction. Cumulative loan originations since establishment stand at Rp 96.67 trillion, with Rp 7.18 trillion in outstanding loans and a reported doubtful loan rate of 0.91%.
The company is supervised by Otoritas Jasa Keuangan (OJK) under Regulation No. 10/POJK.05/2022, is a member of AFPI (the Indonesian Joint Funding Fintech Association), and has raised institutional capital from CTBC Bank. Its 501-1,000 employee headcount and 250,579+ registered lender base position it among the more established players in the Indonesian P2P lending market. A supplementary financial literacy initiative, MOJANG (Modul Bijak Keuangan), developed with IARFC Indonesia and AFTECH, extends the brand beyond core lending.
Easycash firmographics
Firmographics- Name
- Easycash
- Legal name
- PT Indonesia Fintopia Technology
- Website
- https://easycash.id
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Easycash is an OJK-licensed Indonesian P2P lending platform offering unsecured cash loans up to IDR 100 million to underbanked consumers and SMEs, connecting them with 250,000+ lenders through a mobile-first digital marketplace.
- Ownership category
- akta.pro rank
Easycash industry classification
Industry- Product category
- Peer-to-Peer Consumer Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where Easycash is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Easycash 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 spread on loans: Easycash earns revenue by charging borrowers interest rates on loans, while paying lenders a lower return rate. The spread between borrower interest and lender returns constitutes the platform's primary revenue.
- Platform fees: The platform charges fees for loan processing and origination, generating income from each loan transaction facilitated through the Easycash platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Cash loans with competitive interest rates up to IDR 100 million limit |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Easycash product offering
Product offeringCore offering
Easycash is an information technology-based co-funding (peer-to-peer lending) service licensed and supervised by Indonesia's Financial Services Authority (OJK) that operates an online platform connecting lenders with borrowers. It offers unsecured cash loans up to IDR 100 million to Indonesian consumers and SMEs through a fully digital 3-step application process with 3-minute verification and disbursement within 24 hours, while enabling lenders to earn returns by funding those loans.
Product overview
Easycash is a technology-based peer-to-peer (P2P) lending platform operated by PT Indonesia Fintopia Technology. The core product portfolio consists of two interconnected offerings: the Easycash Cash Loan product for borrowers seeking unsecured loans up to IDR 100 million with a streamlined 3-step application process and 3-minute verification, and the Easycash Lending Platform that enables lenders to fund loans. A supplementary financial literacy module called MOJANG (Modul Bijak Keuangan) complements the core lending services. The platform operates as an Information Technology-Based Joint Funding Service connecting lenders and borrowers, officially licensed and supervised by the Financial Services Authority (OJK) and registered as a member of AFPI.
Differentiator
Problem solved
Functional benefit
Products and services
- Easycash Cash Loan
Quantifiable outcome
- Loan disbursement within 24 hours
- +4 more outcomes
Companies that use Easycash
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Easycash technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Easycash partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- OJK (Otoritas Jasa Keuangan / Financial Services Authority of Indonesia)corePT Indonesia Fintopia Technology is licensed and supervised by OJK as an Information Technology-Based Co-Funding Service under Regulation No. 10/POJK.05/2022. This regulatory authorization is the foundational legitimacy of Easycash's operations.
- AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia / Indonesian Joint Funding Fintech Association)coreEasycash is a member of AFPI, the Indonesian P2P lending fintech association, demonstrating compliance with industry standards and best practices.
- IARFC Indonesia (International Association of Registered Financial Consultants)minorEasycash collaborated with IARFC Indonesia and AFTECH to develop MOJANG (Modul Bijak Keuangan / Financial Wisdom Module), a financial literacy initiative for Indonesian youth.
- AFTECH (Asosiasi Fintech Indonesia)minorEasycash collaborated with IARFC Indonesia and AFTECH to develop MOJANG (Modul Bijak Keuangan / Financial Wisdom Module), a financial literacy initiative for Indonesian youth.
Scale indicators7 records
Recent moves5 records
Expansion highlights4 records
Easycash competitors and assessment
Company assessmentDirect peers
- KoinWorks: KoinWorks is one of Indonesia's largest OJK-licensed P2P lending platforms, offering unsecured loans to consumers and SMEs. Directly comparable to Easycash in business model, regulatory standing, target market, and product offering across the Indonesian market.
- Investree: Investree is an OJK-licensed Indonesian P2P lending platform focused on SME financing. It competes directly with Easycash for the same borrower and lender segments under similar OJK regulatory framework and AFPI membership.
- Amartha: Amartha is an OJK-licensed Indonesian P2P lending platform focused on micro and small enterprises, particularly women entrepreneurs in rural areas. Comparable to Easycash in P2P marketplace model, OJK regulation, and underbanked borrower targeting.
- Pinjam Modal: Pinjam Modal is an OJK-licensed Indonesian P2P lending platform serving SMEs with working capital loans. Comparable to Easycash in P2P marketplace structure and Indonesian regulatory framework under AFPI.
- Modalku (Funding Societies): Modalku operates as Funding Societies in Indonesia and is an OJK-licensed P2P lending marketplace for SMEs. Comparable to Easycash in P2P model, regulatory standing, and Southeast Asian digital lending focus.
- Kredit Pintar: Kredit Pintar is an OJK-licensed Indonesian online lending app providing unsecured cash loans to consumers. Directly competes with Easycash on speed, digital distribution, and small-ticket consumer credit across Indonesia.
- Tunaiku: Tunaiku is an OJK-licensed Indonesian digital lending platform offering unsecured personal loans to consumers and micro-businesses. It directly competes with Easycash's cash loan product with similar target customer segments and digital-first distribution.
Broad incumbents
- Akulaku: Akulaku is a larger Indonesian consumer fintech platform offering digital lending, e-commerce, and financial services across Southeast Asia. While broader than Easycash in product portfolio, it competes directly for unsecured consumer credit customers in Indonesia.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks1 record
Key highlights7 records
Customer concentration
Easycash social profiles
Digital presenceEasycash financial estimates
Financial estimateRevenue estimate
Valuation estimate
Easycash leadership team
Management profileNumber of profiles
Easycash funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Easycash 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 Easycash
What does Easycash do?
Easycash is an information technology-based co-funding (peer-to-peer lending) service licensed and supervised by Indonesia's Financial Services Authority (OJK) that operates an online platform connecting lenders with borrowers. It offers unsecured cash loans up to IDR 100 million to Indonesian consumers and SMEs through a fully digital 3-step application process with 3-minute verification and disbursement within 24 hours, while enabling lenders to earn returns by funding those loans.
Is Easycash a public or private company?
Easycash is a private company. It is classified as venture growth investor backed and is currently operating.
When was Easycash founded?
Easycash was founded in 2016. It employs 501 to 1,000 people.
Where is Easycash based?
Easycash is headquartered in Jakarta, Indonesia, in the Asia region.
How does Easycash make money?
Two revenue lines are on record. Interest spread on loans are the primary driver. The others are platform fees.
Who are Easycash's main competitors?
Direct peers on record are KoinWorks, Investree, Amartha, Pinjam Modal, Modalku (Funding Societies), Kredit Pintar and Tunaiku. Akulaku is listed as a broad incumbent.
Does Easycash have an API?
No public API is recorded for Easycash.
What industry is Easycash in?
Easycash's product category is Peer-to-Peer Consumer Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 522 and its SIC code is 6141.