At a Digital Financial Literacy event at Pattimura University in Ambon, the Indonesia Financial Services Authority urged younger consumers to approach digital and crypto asset investing critically and responsibly, stressing that rapid market growth must be matched by a clear understanding of the risks. In remarks delivered by Adi Budiarso, the authority's executive head for supervision of financial sector technology innovation, digital financial assets and crypto assets, OJK warned about illegal investment schemes, digital fraud, asset losses linked to weak cyber awareness, government regulatory risk and extreme price volatility. OJK described crypto assets as high risk, high return instruments and said investment decisions should not be driven only by trends or potential gains. It pointed to strong domestic growth, with more than 21 million crypto asset consumer accounts in Indonesia as of February 2026 and total crypto trading value of IDR 482.23 trillion in 2025. The authority also highlighted the role of students as literacy agents to help educate the public on digital and crypto assets. The Ambon event forms part of OJK's Crypto Literacy Month activities and was presented as an effort to widen digital financial literacy in eastern Indonesia. OJK cited 2022 survey data showing Maluku's financial inclusion index at 81.04% and financial literacy index at 40.78%, and said it will continue working with universities across Indonesia on education about the responsible use of digital financial products and high risk investment instruments.

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