At a Digital Financial Literacy 2026 lecture at Airlangga University, the Indonesia Financial Services Authority highlighted the potential for real world asset tokenization to improve transaction efficiency, broaden access to financial instruments and support alternative financing and deeper capital markets. Adi Budiarso, chief executive for supervision of financial sector technological innovation, digital financial assets and crypto assets, stressed that development must be supported by legal certainty, sound governance, technology security, transparency and clear rights and obligations for all parties. OJK's regulatory sandbox has assessed models including the tokenization of gold, government debt securities and property benefits. Budiarso urged young investors to verify that providers and products are legal, understand product characteristics and risks, conduct independent research and avoid unrealistic returns or decisions driven by fear of missing out.