GoPay
GoTo's wallet; Indonesia's ride-hail-born money app, Jago-partnered.
- Who holds it
- An e-money institution holds your balance in a safeguarding account — E-money issuer licensed by Bank Indonesia (PT Dompet Anak Bangsa, since 2014); PJP Category 1; Bank Jago partner.
- The ledger
- The e-money institution’s own ledger.
- If it fails
- Safeguarded funds are returned in administration — ring-fenced, but access can be frozen and slow.
Derived from GoPay’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Jakarta, ID |
| Founded | 2016 |
| Custody | Custodial |
| Regulation type | E-money institution |
| License detail | E-money issuer licensed by Bank Indonesia (PT Dompet Anak Bangsa, since 2014); PJP Category 1; Bank Jago partner |
| Card | No card |
| Cashback | GoPay Coins |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Asia |
Verified links: official site ↗
Common questions about GoPay
What is GoPay?
GoPay is a fiat neobank, headquartered in Jakarta, ID and founded in 2016. Your money is held custodially, so GoPay or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (E-money issuer licensed by Bank Indonesia (PT Dompet Anak Bangsa, since 2014); PJP Category 1; Bank Jago partner).
Does GoPay have a card, and where can you use it?
It issues no card of its own. It is available in Asia.
Does GoPay require KYC?
Yes. GoPay requires identity verification (KYC) to open an account, as a e-money institution.
What does GoPay cost?
From the verified fields: cashback GoPay Coins. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with GoPay before relying on them.
Peers
Wise · KakaoBank · WeBank · bKash · Maya · GCash
GoPay appears in
Neobanks authorised as e-money institutions (48) · Neobanks available in Asia (132) · Neobanks with no card of their own (67) · Neobanks in Indonesia (9)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.