Exchange (holds your funds for you)
TokocryptoB3/5· Medium risk
Facts last reviewed 27 Sept 2026
Indonesian exchange owned by Binance, licensed by OJK. Merkle + zk-SNARK proof of reserves is disclosed irregularly (most recently 1/1/2026), with no third-party confirmation. No publicly disclosed user protection fund.
Compare a move (switching cost) →History: published and paid rates, incidents, legal status →Official site ↗
Why this tier
- Falls short: Proof of reserves exists but is not published every month
- Meets: Licensed by a major regulator: Indonesia (OJK)
- Meets: Operating since 2018 (8 years)
- Falls short: No user protection fund disclosed
- Meets: No recorded incident causing user losses on the exchange
- Note: Owned by Binance (acquisition completed 12/2022, with ~58% of staff cut), and therefore subject to additional risks related to the Binance group.
Tier history
- 29 Sept 2026B· Medium riskMedium risk
Products
| Coin | You earn | Highest rate | Tier | Product | Term | Conditions |
|---|---|---|---|---|---|---|
| ETH | 1.53% | Highest rate1.53% | B3/5· Medium risk | Staking Locked 90d | 90 days | |
| ETH | 1.17% | Highest rate1.17% | B3/5· Medium risk | Staking Locked 7d | 7 days | |
| BNB | 0.27% | Highest rate0.27% | B3/5· Medium risk | Staking Locked 90d | 90 days | |
| BNB | 0.27% | Highest rate0.27% | B3/5· Medium risk | Staking Locked 120d | 120 days | |
| BNB | 0.22% | Highest rate0.22% | B3/5· Medium risk | Staking Locked 7d | 7 days | |
| SOL | 3.69% | Highest rate3.69% | B3/5· Medium risk | Staking Locked 90d | 90 days | |
| SOL | 2.70% | Highest rate2.70% | B3/5· Medium risk | Staking Locked 7d | 7 days | |
| TRX | 1.78% | Highest rate1.78% | B3/5· Medium risk | Staking Locked 90d | 90 days | |
| TRX | 1.69% | Highest rate1.69% | B3/5· Medium risk | Staking Locked 7d | 7 days |
ETH
BNB
SOL
TRXTier: A lowest risk, D active incident. The number after the letter is the criteria met.
Legal status by country
Taken from regulators’ registers and notices. A row without a source or a month confirmed says so.
Vietnam
Does not serve · Aug 2025
Tokocrypto requires foreign nationals to have a passport together with KITAS/KITAP (an Indonesian residence card) to verify an account; Vietnam residents cannot open an account.
Source ↗Europe (EEA)
Does not serve · Aug 2025
Tokocrypto is not listed on ESMA’s CASP register (version dated 24/9/2026) and requires foreign nationals to have KITAS/KITAP (an Indonesian residence card), so EEA residents cannot open an account.
Source ↗UAE (Dubai)
Does not serve · Aug 2025
Tokocrypto requires foreign nationals to have a passport together with KITAS/KITAP (an Indonesian residence card) to verify an account, so UAE residents cannot open an account; it is not listed on the VARA register.
Source ↗Indonesia
Licensed · PT Aset Digital Berkat · May 2026
Tokocrypto (PT Aset Digital Berkat) is on the list of 26 exchanges (PAKD) licensed by OJK as of 5/2026; the tokocrypto.com homepage states that the exchange is supervised by OJK.
Source ↗Nigeria
Does not serve · Aug 2025
Tokocrypto requires foreign nationals to have a passport together with KITAS/KITAP (an Indonesian residence card) to verify an account, so Nigeria residents cannot open an account; Tokocrypto is not registered with SEC Nigeria.
Source ↗