TrustIQ

What TrustIQ does

TrustIQ, operating commercially as Danaku, is an Indonesia-based fintech lending platform licensed by the Otoritas Jasa Keuangan (OJK) under KEP-30/D.05/2021 to operate as a peer-to-peer lending service (LPBBTI). The platform, operated by PT Trust Teknologi Finansial and headquartered in Tangerang (Banten), delivers short-term unsecured loans of up to Rp 51 million over 1-6 month tenors to unbanked and underbanked Indonesian consumers and micro/small business owners (UMKM). As of June 27, 2026, the platform had cumulatively disbursed Rp 1.45 trillion across 625,196 loan transactions to 234,521 unique borrowers, with an outstanding portfolio of Rp 159.48 billion and an overall on-time repayment rate (TKB) of 93.45% (TKB90: 99.51%).

The product is delivered through a fully self-serve mobile application distributed via Google Play and Apple App Store. The application workflow is a 5-step process covering loan parameter selection, personal data entry, KTP (national ID) and selfie upload for automated e-KYC verification, e-signature execution, and direct disbursement to the borrower's bank account. Underwriting decisions are returned within one working day. The platform monetizes via interest charged on loan principal (0.3% per day headline rate, collected through monthly installments) and is integrated into the broader ANS Group ecosystem, which provides offline distribution through 9 rural banks (BPRs), 50+ branches, and a licensed pawnshop (GANS). TrustIQ carries an extensive compliance stack including ISO 27001, ISO 9001, SOC 2 Type 2, KAN accreditation, and registrations with AFPI, KOMINFO, KOMDIGI, and LAPS SJK.

TrustIQ is wholly owned by ANS Group, with PT Arthatama Nusa Sejahtera holding 99.3% and PT Artha Nusa Sembada holding 0.7%, following a full acquisition completed on November 18, 2019. The company received early-stage funding from 500 Global (June 2020) and currently operates with 11-50 employees, primarily serving the Java market through its mobile channel. Its customer base skews toward individual borrowers rather than institutional lenders — only 24 unique funders have ever registered on the platform, with 8 currently active — which is a key structural feature of the business model and a concentration risk worth monitoring.

Name

TrustIQ

Legal name

PT Trust Teknologi Finansial

Website

https://trustiq.id

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

TrustIQ (operating as Danaku) is an OJK-licensed Indonesian peer-to-peer lending platform that originates short-term unsecured loans up to Rp 51 million via a self-serve mobile app, targeting unbanked individuals and UMKM borrowers as part of the ANS Group microfinance ecosystem.

Ownership category

akta.pro rank

Product category

Consumer Lending (P2P Online Lending)

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)

akta.pro secondary industry

Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB)

Keywords

• Online lending platform
• P2P lending
• Digital consumer loans
• Microfinance fintech
• Mobile lending app

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Revenue generated from interest charges on short-term loans. Daily interest rate of 0.3% applied to loan principal, with loan tenors ranging from 1-6 months and loan amounts up to Rp 51 million. Interest is calculated and collected through installment payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

TrustIQ operates Danaku, an OJK-licensed peer-to-peer (LPBBTI) online lending platform in Indonesia that originates collateral-free personal loans up to Rp 51 million with tenors of 1–6 months. The platform runs a 100% online, mobile-first 5-step application workflow combining automated e-KYC, electronic signature, automated credit decisioning, and direct bank disbursement, and earns revenue primarily through interest charged on these short-term loans.

Product overview

TrustIQ operates Danaku as its primary fintech lending product, a single unified online lending platform licensed by Indonesia's Financial Services Authority (OJK). Danaku facilitates peer-to-peer lending between lenders (Pemberi Dana) and borrowers (Penerima Dana) through a fully digital application process. The platform enables loan applications up to Rp 51 million with flexible 1-6 month tenors, featuring automated verification, instant approval decisions, and digital contract signing.

Differentiator

Problem solved

Functional benefit

Products and services

• Danaku Online Lending Platform Danaku is an OJK-licensed peer-to-peer (LPBBTI) online lending platform offering quick, collateral-free personal loans of up to Rp 51 million with tenors of 1–6 months. It serves individual borrowers and UMKM owners in Indonesia through a 100% mobile, 5-step application that combines e-KYC, e-signature, automated credit decisioning (under one working day), and direct bank disbursement.

Quantifiable outcome

• 93.45% overall loan repayment success rate (TKB)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia)coreStrategic or Co-development PartnerIndustry association membership for P2P lending fintech companies in Indonesia. Danaku participates in industry events and digital literacy initiatives in partnership with AFPI, such as the digital literacy event in Yogyakarta.
• Universitas Nahdlatul Ulama YogyakartaminorStrategic or Co-development PartnerStrategic synergy for digital financial literacy initiatives. Danaku participated in digital literacy events organized in collaboration with AFPI and this university in Yogyakarta.

Scale indicators15 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• KoinWorks: Indonesian OJK-licensed P2P lending platform offering SME and consumer loans. Directly comparable as a digital, OJK-regulated credit marketplace serving the same unbanked/UMKM segments in Indonesia with a similar marketplace model.
• Akseleran: Indonesian OJK-licensed P2P lending platform for SME and consumer loans. Comparable as a smaller-scale domestic credit marketplace with similar product structure.
• Julo: Indonesian OJK-licensed digital lending app offering cash loans and credit cards to underbanked consumers. Comparable mobile-first, e-KYC-driven consumer credit product targeting the same unbanked segment.
• Amartha: Indonesian P2P fintech specializing in microfinance for women entrepreneurs and UMKM. Directly comparable business model (P2P lending marketplace) and target segment (unbanked/underbanked Indonesians).
• Kredit Pintar: Indonesian P2P lending app focused on consumer cash loans for unbanked/underbanked users. Overlapping product (short-term, no-collateral consumer loans), distribution (Google Play/App Store), and target customer.
• Funding Societies (Modalku): SE Asia's largest SME P2P lending marketplace, operating as Modalku in Indonesia. Direct competitor offering similar short-term digital credit to Indonesian SMEs and consumers via an OJK-licensed structure.
• Investree: Indonesian OJK-licensed P2P lender focused on SME financing. Closest direct competitor — same OJK license class (LPBBTI), same marketplace mechanic, overlapping borrower segments in UMKM.

Broad incumbents

• Tunaiku (Bank Amar Indonesia): Digital lending product of an Indonesian commercial bank offering uncollateralized cash loans via mobile app. Comparable mobile-first consumer credit offering, but funded by bank balance sheet rather than marketplace lenders.
• PT Bank Central Asia (KKB): Indonesia's largest private bank, operating a digital consumer and SME credit business alongside traditional branches. Provides a benchmark for incumbent digital credit capabilities and a potential strategic/distribution partner given overlapping UMKM focus.

Regional players

• Pinjam Modal: Indonesian P2P lending platform serving SMEs. Comparable marketplace model and OJK license, primarily active in domestic Indonesian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/danakuofficial.id
• Xx.com/_trustiq

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TrustIQ