TakumiPay — Pay anywhere. Earn everywhere.

TakumiAgent

Talk to your money.
It actually listens.

Skip the menus. Tell your agent what you want — in plain English, Bahasa, or just your voice — and it handles the payment, the rebalance, or the transfer. Every action is previewed and gated by your own spending rules.

✓ Voice-to-action: "move 500 to a safer pool", "send Rp 50K to Sri"
✓ Approval cards — see every move before it ships
✓ Spending limits, daily caps, allowed strategies — you decide
✓ Remembers your goals across days, weeks, payments

See agent in action →

TakumiAgent online · multi-chain · permission-aware

Find me a safer 8% yield for my 800 USDC.

Scanning audited protocols across multiple chains — checking risk scores.

Kamino USDC/USDT LP

Solana · Audited · TVL $284M

8.4%

Risk scoreLow (A)

Est. yield · 30d+ $5.61

Gas (sponsored)$0.00

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Scan to Pay

Warung Mbak Sri · QRIS

Bank Indonesia · ID 936008XXXXXXX

Warung Mbak SriJl. Tegalsari · Surabaya

USDC → IDR

Rp 28,000 · $1.78

instant settle
0% fee · merchant

✓

Paid in 3.2 secondsMbak Sri received Rp 28,000 in her account.

Scan to Pay · QRIS · UMKM Indonesia

Stablecoins meet your
warung sebelah.

Open the camera. Point at any QRIS code — from kaki-lima to mall tenant. You pay in stablecoins; the merchant receives Rupiah in their account, instantly. No crypto knowledge needed on their side.

✓ Works with every QRIS merchant in Indonesia
✓ Made for UMKM — warung, kafe, toko, kaki-lima
✓ Sign up as a merchant in-app, generate your QR in 60 seconds

Indonesia today · SEA next

Become a merchant →

Merchant pilot · Apply now

Run a warung?
Get paid in stablecoin, settle in Rupiah.

TakumiPay Merchant is a separate app for UMKM owners — accept stablecoin payments at the QRIS code you already have, and watch Rupiah land in your bank the same day. We're starting in Lombok, where thousands of UMKM are ready — onboarding the first 100 merchants.

✓Accept payments at your existing QRIS sticker — no new hardware
✓Same-day Rupiah settlement to your bank or e-wallet
∅Always free for merchants — zero signup & transaction fees
idPriority support in Bahasa Indonesia · WhatsApp hotline

PILOT · 2026 Q1 · LOMBOK · INVITE-ONLY

Your ShopWARUNG · KAFE · TOKO

Pay with TakumiPay

QRIS

100

Pilot merchants

First cohort · Lombok

FREE

Always free for merchants

No signup, no transaction fees — ever

< 1s

Confirmation time

Same-day Rupiah to your bank

Auto-Yield · DeFi Strategies

Idle stablecoins
are dead stablecoins.

Your agent watches APYs across audited DeFi protocols 24/7 and rebalances when the math says it should. You set the risk floor; it does the rest. MEV-protected on every chain.

✓ Best-route across audited protocols · risk-scored A-D
✓ One-click strategies, weekly autopilots, or fully manual
✓ Flashbots-style MEV protection (EVM) + Jito tips (Solana)
✓ L2 fee oracle, sequencer health, withdrawal tracker built-in

Explore strategies →

Portfolio · 30d

$ 4,218.62

▲ +$132.18 (+3.2%)

Stablecoin LP

8.4%

Kamino · A-rated

USDC Lending

5.7%

Aave V3 · A-rated

◎

100+

Features across 17 categories

4×

Chains: Ethereum · Solana · Polygon · BSC

3.2s

Median QR settlement on Solana

Merchant fee on UMKM tier

The whole stack

More than a payment app.

Pay and earn — all from one balance. The boring fintech features done right, and a few that no one else has.

Indonesia-first.
SEA next.

We're shipping where the demand is. QRIS goes live in Indonesia first — then Thailand, Singapore, Malaysia & Vietnam follow. Built on Solana for sub-second settlement, with Ethereum, Base & Polygon wired in so users pay from whichever chain holds their stables.

PolygonEVM
BaseEVM
EthereumEVM
Solana

Pay from any · Settle anywhere

LiveQRIS · IDSoonTHSGMYVN

⇌

Stablecoin in, Rupiah out.

You pay in USDC or USDT. The merchant gets IDR in their bank — same day, mid-market rate. No hidden spread, no "foreign card" fees, no surprise.

↺

Send money home.

Move stablecoins across borders in seconds, not days. The Indonesian diaspora pays family, suppliers, students — without losing a week and a cut to the wire.

▣

Merchant tools.

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Points & rewards.

Earn loyalty points on every payment. Redeem them from an in-app catalog — because spending should pay back.

Built to protect your money

Built so you never have to worry.

Every payment is previewed before it leaves your phone. Suspicious recipients, scam links, lookalike addresses — all caught and flagged before you ever tap confirm.

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Face ID & PINBiometric unlock, app-level PIN, auto-lock when you switch apps.

◉

Preview every paymentSimulated outcome shown before any payment leaves your device.

⌖

Recipient guardCatches lookalike addresses and phishing-style scam attempts.

⊘

Scam-link feedReal-time blocklist for known phishing sites and bad actors.

▤

Encrypted backupsYour keys never leave your device. Encrypted, biometric-locked.

▩

Spending rulesDaily caps, allowed merchants, agent limits — all yours to set.

∷

Trusted networks onlyRoutes through audited, monitored payment networks.

◇

Real-time alertsPush notifications the moment anything moves in or out.

Talk to your money.It actually listens.

Stablecoins meet yourwarung sebelah.

Run a warung?Get paid in stablecoin, settle in Rupiah.

Idle stablecoinsare dead stablecoins.