Kredione
KrediOne is an Indonesian OJK-licensed P2P lending platform connecting individual lenders with underbanked consumers and MSMEs through a mobile-first app, offering unsecured, fast-disbursement digital loans compliant with POJK 40/2024.
- Company typePrivate
- Founded2019
- HeadquartersJakarta Selatan, Indonesia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Kredione does
KrediOne (legal entity: PT Inovasi Terdepan Nusantara) operates a mobile-first peer-to-peer lending platform licensed by Indonesia's Financial Services Authority (OJK) since April 2021 and is a member of the Indonesian Joint Funding Fintech Association (AFPI). Originally established as 360Kredi in September 2019 and rebranded to KrediOne in May 2025, the platform connects individual lenders (dana providers) with underbanked borrowers and micro, small, and medium enterprise (MSME) customers across Indonesia, operating exclusively through iOS and Android applications downloaded via the App Store and Google Play. All loan lifecycle stages—registration, automated credit assessment, approval, disbursement, and repayment—are conducted digitally inside the app, compliant with POJK 40/2024 escrow and virtual account requirements and with data protection aligned to ISO standards. As of August 2024, cumulative loan disbursement reached IDR 3 trillion and registered users exceeded 3 million (as of January 2022).
The company is majority-owned (85%) by Singapore-based XINFEI DIGITAL PTE. LTD. (formerly 360 Fintech Asia Pte. Ltd.), with the remaining 15% held by Indonesian consulting firm PT Solusi Perkasa Manajemen. Revenue is generated via the interest rate spread and associated lending fees on unsecured consumer and MSME loans facilitated through the platform (transaction-fee model), with terms customized per borrower based on automated credit assessment rather than publicly disclosed pricing. Go-to-market combines self-serve product-led growth (mobile app downloads, app-store optimization, social media) with a community-led motion involving financial literacy programs (Pindar Mengajar) co-developed with AFPI, OJK regional offices, and universities such as UNISMA in Malang. Distribution is 100% digital with no physical branches; customer service is delivered via call center, email, and in-app live chat, supported by a complaint-handling office in Central Jakarta.
Kredione firmographics
Firmographics- Name
- Kredione
- Legal name
- PT Inovasi Terdepan Nusantara
- Website
- https://kredione.id
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- KrediOne is an Indonesian OJK-licensed P2P lending platform connecting individual lenders with underbanked consumers and MSMEs through a mobile-first app, offering unsecured, fast-disbursement digital loans compliant with POJK 40/2024.
- Ownership category
- akta.pro rank
Kredione industry classification
Industry- Product category
- Peer-to-Peer Consumer Lending
- NAICS
- Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- P2P Loan Servicing & Collections (Marketplace-Specific) (FSAKAHAN), P2P Credit Lines / Revolving Marketplace Lending (FSAKAHAK)
Keywords
Where Kredione is headquartered
LocationHeadquarters
- HQ city
- Jakarta Selatan
- HQ country
- Indonesia
- HQ region
- Asia
Offices2 records
Markets served
Kredione business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- P2P Lending Interest and Fees: KrediOne operates as a P2P (peer-to-peer) lending platform that connects lenders (dana providers) with borrowers (penerima dana). The platform earns revenue through interest charged on loans extended to borrowers. As a licensed P2P lending platform under OJK supervision and an AFPI member, the company facilitates the co-funding arrangement and derives income from the interest rate spread and associated lending fees.
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Kredione product offering
Product offeringCore offering
KrediOne operates a mobile-first peer-to-peer lending platform that connects individual lenders (dana providers) with individual borrowers (penerima dana) for unsecured personal and small-business loans. The entire loan lifecycle — digital registration, automated credit assessment, approval, and disbursement to bank accounts or e-wallets — is handled through the KrediOne mobile app, with revenue earned from interest spreads and lending fees.
Product overview
KrediOne (formerly 360Kredi) operates as a single mobile-first P2P lending platform under PT Inovasi Terdepan Nusantara. The core offering is the KrediOne mobile app, which serves as the exclusive channel for the entire loan lifecycle—from digital registration and credit assessment to fund disbursement and repayment management. The platform is licensed by OJK and is a member of AFPI, offering unsecured loans with features including low interest rates, fast disbursement, adjustable installments, and long tenors. The rebranding from 360Kredi to KrediOne in May 2025 marked a strategic repositioning to emphasize inclusive, adaptive, and user-centered digital financial services.
Differentiator
Problem solved
Functional benefit
Products and services
- KrediOne Mobile App (P2P Lending Platform)
Quantifiable outcome
- Accumulated loan disbursement of IDR 3 trillion as of August 2024, growing from IDR 1 trillion (Dec 2021) to IDR 2 trillion (Jul 2023)
- +2 more outcomes
Companies that use Kredione
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
Kredione technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Kredione partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- Times Indonesia NetworkminorKrediOne and AFPI conducted an AFPI Media Visit with Times Indonesia Network, hosted by Editor-in-Chief Yatimul Ainun, to discuss developments in the P2P lending industry, financial literacy challenges, and the importance of accurate media reporting on fintech services.
- Indonesian Joint Funding Fintech Association (AFPI)coreKrediOne collaborates with AFPI on the Pindar Mengajar: Smart Financial Management, Wise Digital Transactions program, which includes financial literacy sessions, focus group discussions on digital finance curriculum development, and media engagement initiatives. AFPI is the Indonesian fintech association representing the P2P lending industry, and KrediOne is a member.
- Financial Services Authority (OJK) MalangcoreKrediOne works with OJK Malang on financial literacy and inclusion initiatives. Representatives from OJK Malang, including Head Farid Faletehan and Assistant Director Frederik Alexander Rompies, participated in collaborative programs with KrediOne and AFPI aimed at strengthening public understanding of digital financial services.
- Islamic University of Malang (UNISMA)minorKrediOne partnered with the Faculty of Economics and Business of UNISMA for a financial literacy session attended by hundreds of students and academic community members. KrediOne also participated in a Focus Group Discussion (FGD) on developing a digital finance-based curriculum at UNISMA, involving regulators, academics, and industry representatives.
- Jakarta Mangrove CommunityminorKrediOne signed a memorandum of understanding (MoU) with the Jakarta Mangrove Community for an environmental conservation campaign, as part of its corporate social responsibility and environmental commitment. The signing was attended by representatives from OJK, AFPI, the banking industry, strategic partners, and the media.
Scale indicators6 records
Recent moves7 records
Expansion highlights5 records
Kredione competitors and assessment
Company assessmentDirect peers
- Danamas (P2P Lending): Danamas is an OJK-licensed Indonesian P2P lending platform operated by PT Pasar Dana Pinjaman, focused on productive financing for SMEs. It shares KrediOne's regulated marketplace lending model and Indonesian consumer base.
- Investree: Investree is an OJK-licensed Indonesian P2P lending platform offering financing to SMEs and individuals. It directly competes with KrediOne in digital unsecured lending with a similar regulatory profile and target market.
- Modalku (Funding Societies): Modalku, operated by Funding Societies, is an OJK-licensed P2P lending platform in Indonesia focused on SME financing. It is a direct competitor to KrediOne in the marketplace lending space, with cross-border SEA scale.
- Julo: Julo is an OJK-licensed Indonesian digital lending platform offering cash loans and credit lines to underbanked consumers via a mobile app. It competes directly with KrediOne in unsecured consumer P2P lending.
- Akulaku: Akulaku is a Southeast Asian fintech operating in Indonesia with consumer lending, virtual credit cards, and "buy now pay later" offerings. It overlaps with KrediOne in mobile-based consumer credit to underbanked users.
- Amartha: Amartha is an OJK-licensed Indonesian P2P lending platform focused on microfinance and underserved borrowers, particularly women entrepreneurs in rural areas. It shares KrediOne's underbanked focus and OJK-regulated marketplace model.
- Kredit Pintar: Kredit Pintar is an OJK-registered Indonesian online lending platform providing fast digital loans to consumers via mobile app. It is a direct competitor to KrediOne in mobile-first unsecured consumer lending.
- KoinWorks: KoinWorks is one of Indonesia's largest OJK-licensed P2P lending platforms, serving both consumer and SME borrowers. It directly competes with KrediOne in digital unsecured lending targeting underbanked Indonesians.
- TaniFund: TaniFund is an OJK-licensed Indonesian P2P lending platform focused on agriculture and rural SME financing. It operates in the same regulated P2P lending market as KrediOne with a similar marketplace structure.
Others
- Otoritas Jasa Keuangan (OJK): OJK is Indonesia's Financial Services Authority, the regulator that licenses and supervises P2P lending platforms like KrediOne. Included as a key ecosystem counterpart shaping KrediOne's operating environment, not a commercial peer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Kredione social profiles
Digital presenceKredione compliance and trust
Trust signalCompliance2 records
Kredione financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kredione leadership team
Management profileNumber of profiles
Profiles3 records
Kredione funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kredione 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 Kredione
What does Kredione do?
KrediOne operates a mobile-first peer-to-peer lending platform that connects individual lenders (dana providers) with individual borrowers (penerima dana) for unsecured personal and small-business loans. The entire loan lifecycle — digital registration, automated credit assessment, approval, and disbursement to bank accounts or e-wallets — is handled through the KrediOne mobile app, with revenue earned from interest spreads and lending fees.
Is Kredione a public or private company?
Kredione is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kredione founded?
Kredione was founded in 2019. It employs 101 to 250 people.
Where is Kredione based?
Kredione is headquartered in Jakarta Selatan, Indonesia, in the Asia region.
How does Kredione make money?
One revenue line is on record: P2P Lending Interest and Fees.
Who are Kredione's main competitors?
Direct peers on record are Danamas (P2P Lending), Investree, Modalku (Funding Societies), Julo, Akulaku, Amartha, Kredit Pintar, KoinWorks and TaniFund. Otoritas Jasa Keuangan (OJK) is listed as an others.
Does Kredione have an API?
No public API is recorded for Kredione.
What industry is Kredione in?
Kredione's product category is Peer-to-Peer Consumer Lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAN, P2P Loan Servicing & Collections (Marketplace-Specific). Its NAICS code is 522291 and its SIC code is 6141.