FLOQ

FLOQ, run by PT Kripto Maksima Koin, is licensed and supervised by Indonesia's Financial Services Authority (OJK) and certified to ISO 27001.

Users sign up with a phone number, email or Google or Apple account, verify in about two minutes, top up from Rp10,000 and buy crypto from Rp1,000.

Learning material is built into the app, and it has passed 2 million downloads since May 2025.