Ayovest

Name

Ayovest

Legal name

PT Generasi Paham Investasi

Website

https://ayovest.id

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mutual Fund Investment Platform

NAICS

Open-End Investment Funds (525910), Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)

akta.pro primary industry

Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)

akta.pro secondary industry

Private Client/High-Net-Worth Advisory (FSAEAAAN)

Keywords

• Mutual fund platform
• Digital investment
• Robo advisory
• Retail investing
• Wealth management

Headquarters

HQ city

Jakarta Pusat

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Transaction Fee (Zero Commission): Ayovest charges no transaction fees or commissions on mutual fund purchases or redemptions. Revenue is derived from fees built into the mutual fund products themselves (management fees charged by Investment Managers), not from direct platform charges to investors.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Ayovest is a digital mutual fund (Reksa Dana) investment marketplace that aggregates 80+ curated fund products from 30+ licensed Indonesian investment managers, accessible via a mobile app and web platform with investments starting from Rp1,000 and zero platform transaction fees. It serves both individual retail investors (millennials and Gen Z) through a self-serve experience and institutional clients (companies, cooperatives, foundations, pension funds) through a dedicated Ayovest Business channel with Relationship Managers. The platform is OJK-licensed as an APERD (Mutual Fund Selling Agent) and also distributes retail government Sharia bonds (SBSN Ritel) following DJPPR Kemenkeu approval.

Product overview

Ayovest is a digital mutual fund investment platform operated by PT Generasi Paham Investasi, offering a curated marketplace of over 80 mutual fund products from 30+ investment managers. The platform provides a unified ecosystem comprising the core Reksa Dana Marketplace with six product categories (Pasar Uang, Pendapatan Tetap, Campuran, Saham, Indeks, and Syariah), complemented by business solutions (Ayovest Bisnis), financial planning tools (Kalkulator Investasi, Profil Risiko, Financial Checkup), AI-powered portfolio assistant (Ayovest Assistant/Robo Advisor), and streamlined KYC verification. All products interlock within the mobile-first platform to serve both retail and institutional investors seeking accessible, transparent, and regulator-compliant mutual fund investments starting from Rp1,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Reksa Dana Marketplace Core mutual fund investment marketplace allowing users to browse, compare, and invest in over 80 curated mutual fund products from 30+ licensed Indonesian investment managers across six categories (Pasar Uang, Pendapatan Tetap, Campuran, Saham, Indeks, and Syariah). Investments start from Rp1,000 with zero platform transaction fees and KYC verification completed within 24 hours.
• Ayovest Bisnis (Ayovest Business) Institutional investment management solution for Indonesian businesses, cooperatives, foundations, pension funds, banks, and other financial institutions. Provides dedicated Relationship Managers, licensed analysts (WMI and WPPE), real-time consolidated dashboard spanning 30+ investment managers, weekly/monthly research reports, and a single account for corporate treasury optimization through money market and fixed income mutual funds (5%-8% potential annual returns cited).
• SBSN Ritel (Retail Government Sharia Bonds) Distribution Retail distribution of SBSN Ritel (retail government Sharia-compliant bonds / Sukuk) following DJPPR Kemenkeu Sub Mitra Distribusi approval (5 February 2025) and MPPE license (1/PM.02/STTD/MPPPE/2025), enabling Indonesian retail investors to access state-issued Islamic bonds through the Ayovest platform.

Quantifiable outcome

• Verification completed within 24 hours of KYC submission
• +3 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature5 records

Partnerships

19 partnerships are on record, tiered major and core.

• EasylinkmajorChannel Partner/ Reseller/ Distributor · 5 June 2025Easylink serves as digital sales partner for mutual fund distribution, expanding Ayovest's digital agent network for reaching underserved investor segments.
• Trimegah Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership with Trimegah Asset Management for distribution of mutual fund products on the Ayovest platform. One of 30+ Investment Managers providing products to Ayovest investors.
• Bahana TCW Investment ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform. One of 30+ Investment Managers partnered with Ayovest.
• BRI Manajemen Investasi (BRI-MI)majorChannel Partner/ Reseller/ DistributorPartnership to expand mutual fund product offerings. BRI-MI collaborates with Ayovest to broaden reach of mutual fund products to Ayovest's investor base.
• Syailendra CapitalcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform. One of 30+ Investment Managers providing products.
• Mandiri Manajemen InvestasicoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• Sinarmas Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• STAR Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• Eastspring InvestmentcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• KISI Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• PNM Investment ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• UOB Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• Maybank Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• MNC Asset ManagementcoreChannel Partner/ Reseller/ DistributorPartnership for mutual fund product distribution on the Ayovest platform.
• PT Kustodian Sentral Efek Indonesia (KSEI)coreTechnology or IntegrationKSEI provides Securities Ownership Reference System (AKSes) for transaction confirmation and monthly report access. Ayovest holds KSEI participant license (KSEI-4210/DIR/1123).
• Payment Gateway / Virtual Account ProviderscoreTechnology or IntegrationPayment gateway and virtual account services for settlement of mutual fund transactions. Ayovest received Virtual Account usage approval from OJK in November 2024.
• Otoritas Jasa Keuangan (OJK)coreOthersPrimary financial regulator. Ayovest is licensed as APERD (Mutual Fund Selling Agent) under OJK supervision (KEP-63/PM.02/2023).
• KOMDIGI (Badan Siber dan Sandi Negara)coreOthersDigital economy and cryptocurrency regulator. Ayovest holds PSE (Electronic System Provider) license (007410.01/DJAI.PSE/08/2022).
• DJPPR Kemenkeu (Ministry of Finance)coreOthersMinistry of Finance body overseeing state bonds. Ayovest received Sub Mitra Distribusi SBSN Ritel approval (5 February 2025) for retail Sukuk/SBSN distribution.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bibit: Indonesia's largest digital mutual fund investment app, offering a curated marketplace of mutual fund products from multiple investment managers with a robo-advisor. Directly comparable to Ayovest in target customer (Indonesian retail), product (reksa dana marketplace), and distribution (mobile-first).
• Pluang: Indonesian multi-asset investment app offering mutual funds, stocks, ETFs, and crypto. Targets a similar millennial/Gen Z retail investor base with low minimums and zero-commission positioning.
• Bareksa: Pioneer Indonesian mutual fund marketplace aggregating products from dozens of asset managers, with both retail and institutional channels. Competes with Ayovest in the same APERD-licensed reksa dana distribution space.
• Ajaib: Indonesian investment platform offering mutual funds alongside stocks, with mobile-first onboarding and an APERD license. Overlaps Ayovest's retail mutual fund offering and B2C distribution model.
• Stockbit: Indonesian social-investing platform that has expanded into mutual fund distribution under the Stockbit Reksa Dana brand. Comparable as a digital-first investment product serving Indonesian retail investors.

Emerging players

• Indodax: Indonesia's largest crypto-asset trading platform, regulated by Bappebti/KOMDIGI. Tangentially comparable as an OJK/KOMDIGI-regulated digital investment platform targeting Indonesian retail investors, though in crypto rather than mutual funds.
• Modalku (Funding Societies): Indonesian/Southeast Asian digital financing platform that has expanded into adjacent wealth and investment products for SMEs and retail. Comparable in offering digital financial product distribution in Indonesia.
• Dana Cita: Indonesian fintech offering education financing and savings/investment products to students and young consumers. Comparable as a digital wealth/financial-inclusion play targeting the same millennial and Gen Z demographic.

Broad incumbents

• BNI Sekuritas: Securities and investment distribution arm of Bank BNI, offering mutual funds alongside stocks to Indonesian retail and institutional clients. Competes for the same institutional treasury wallet as Ayovest Business.
• Reksa by Mandiri Manajemen Investasi: The direct-to-consumer mutual fund platform of Mandiri Manajemen Investasi, the asset management arm of Bank Mandiri. Offers a captive single-AM distribution channel that competes with Ayovest's marketplace for retail flows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ayovestid
• YouTubeyoutube.com/channel/UCCzrxpi1YYGUn6HhWAzadrg
• Facebookfacebook.com/ayovestindonesia
• LinkedInlinkedin.com/company/ayovest
• Instagraminstagram.com/ayovestid
• TikToktiktok.com/@ayovest.id

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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 Ayovest