Digital Remittance Platform

Remittance BridgeBridging Funds Seamlessly

Send and receive money, at home and abroad, faster and more safely. One integrated system speeds up every transfer and helps prevent transaction errors.

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Built for PJP licensing

Open banking with BI SNAP, as the license requires.

Remittance Bridge comes with open banking technology following the Bank Indonesia SNAP standard — one of the requirements for obtaining a payment service provider (PJP) license.

01

License Category One

  • Account information services
  • Payment initiation and/or acquiring services
  • Fund source administration
  • Remittance services

02

License Category Two

  • Account information services
  • Payment initiation and/or acquiring services

03

License Category Three

  • Remittance services
  • Other services set by Bank Indonesia
01One 02Two 03Three
Account information services
Payment initiation and/or acquiring services
Fund source administration
Remittance services
Other services set by Bank Indonesia

Remittance services sit in Category One and Category Three.

Based on Bank Indonesia Regulation No. 23/6/PBI/2021 on Payment Service Providers.

Remittance in Indonesia

As one of the largest senders of migrant workers, Indonesia sees a large volume of remittance, flowing from the income of its workers abroad.

295,439

Indonesian migrant workers placed abroad throughout 2024.

Source: Ministry of P2MI, via detikNews

Remittances into Indonesia, 2024

Q1 3,766
Q2 3,879

Million USD per quarter — up in the second quarter.

Source: Bank Indonesia, via Trading Economics

Benefits

Why institutions move remittance onto one platform.

  1. 01 Lower sending fees than traditional transfer methods
  2. 02 Faster and safer transactions
  3. 03 Fewer transaction errors
  4. 04 Time and cost efficiency
  5. 05 Control over who has access
  6. 06 Control over transaction history
  7. 07 Secure transactions with SNAP

Architecture

Everything happens inside the Remittance Bridge environment. Each role works on the Remittance Core, which reaches local banks, local remittance and offshore networks through the SNAP interface and other interfaces, with a CDD/KYC provider for customer checks.

Inside the environment

  • Teller
  • Checker
  • Approver
  • Admin / config

Remittance Bridge

Roles

TellerCheckerApproverAdmin

Remittance Core

InternationalRegional

Interfaces

SNAP InterfaceOther Interface

Connected to

  • Local banks
  • Local remittance
  • Offshore network
  • CDD/KYC provider

Inside the environment

  • Teller
  • Checker
  • Approver
  • Admin / config

Remittance Bridge

Roles

TellerCheckerApproverAdmin

Remittance Core

InternationalRegional

Interfaces

SNAP InterfaceOther Interface

Connected to

  • Local banks
  • Local remittance
  • Offshore network
  • CDD/KYC provider

Teller

Two kinds of transfer, one desk.

The teller handles international and regional transfers. Both follow the same three stages: request initiation, invoice, and payment.

International transfer

Send money abroad, in the destination country’s currency.

  1. 1

    Request initiation

    Choose the destination country and currency, then enter the amount in rupiah or in the destination currency. The teller fills in the sender, the receiver and the transfer details: transfer type, destination bank and account.

  2. 2

    Invoice

    The invoice shows the sender, the beneficiary and the exchange rate, which stays valid for a limited time and is locked once the transaction is committed.

  3. 3

    Payment

    The teller records the payment, or cancels the request.

01 Request initiation

Choose the destination country and currency, then enter the amount in rupiah or in the destination currency. The teller fills in the sender, the receiver and the transfer details: transfer type, destination bank and account.

02 Invoice

The invoice shows the sender, the beneficiary and the exchange rate, which stays valid for a limited time and is locked once the transaction is committed.

03 Payment

The teller records the payment, or cancels the request.

Regional transfer

Send money within Indonesia, collected at a cash-out partner.

  1. 1

    Request initiation

    Find the sender and the recipient by their national ID number (NIK), enter the amount, and choose the cash-out partner where the recipient collects the money.

  2. 2

    Invoice

    The invoice lists the transfer amount, the admin fee, the grand total and what the recipient will receive.

  3. 3

    Payment

    The teller records the payment, or cancels the request.

01 Request initiation

Find the sender and the recipient by their national ID number (NIK), enter the amount, and choose the cash-out partner where the recipient collects the money.

02 Invoice

The invoice lists the transfer amount, the admin fee, the grand total and what the recipient will receive.

03 Payment

The teller records the payment, or cancels the request.

Layered approval

Every transfer is checked twice before it leaves.

A transfer request created by the teller has to be validated by a checker and approved by an approver before it is sent — for international and regional transactions alike.

  1. Teller

    Initiate

    • Creates international and regional requests
    • Issues the invoice and records payment

  2. Checker

    Validate or invalidate

    • Sees all transaction requests
    • Validates or invalidates each one

  3. Approver

    Approve or reject

    • Sees all validated requests
    • Approves or rejects each one

  4. Sent

    On its way

    • Goes out through the connected bank or network
    • Kept in the transaction history
Transfer request RequestedValidatedApprovedSent

TellerInitiate

  • Creates international and regional requests
  • Issues the invoice and records payment

CheckerValidate or invalidate

  • Sees all transaction requests
  • Validates or invalidates each one

ApproverApprove or reject

  • Sees all validated requests
  • Approves or rejects each one

SentOn its way

  • Goes out through the connected bank or network
  • Kept in the transaction history

An invalidated or rejected request stops where it is and is never sent.

Admin

Set up the banks and partners behind every transfer.

Admins configure where money moves: the bank connections used to send transfers, and the cash-out partners where recipients collect them.

Bank connection config

Manage the bank accounts and connections Remittance Bridge uses to move funds.

  1. View connections
  2. Connection detail
  3. Add a connection

Cash-out partners

Register partner outlets, each linked to a bank account, where recipients of regional transfers collect their money.

  1. View partners
  2. Partner detail
  3. Add a partner

Frequently Asked Questions

Everything you need to know about Remittance Bridge.

A digital remittance platform for sending and receiving money within Indonesia and abroad. Its integrated system makes transactions faster and helps prevent transaction errors.
It comes with open banking technology following the Bank Indonesia SNAP standard, one of the requirements for a payment service provider (PJP) license. Under PBI 23/6/PBI/2021, remittance services fall under License Category One and License Category Three.
International transfers, sent abroad in the destination currency, and regional transfers within Indonesia, collected at a registered cash-out partner.
Tellers create requests and handle invoices and payments, checkers validate or invalidate them, approvers approve or reject them, and admins configure bank connections and cash-out partners.
Local banks, local remittance and offshore networks, through the SNAP interface and other interfaces, plus a CDD/KYC provider for customer checks.

Ready to Move Money Faster?

Tell us about your remittance business, and we will show you how Remittance Bridge fits.

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