BAGIAN / CHAPTER 3
BAGIAN / CHAPTER 3
2) Pemantauan Trend Baru dan
2) Monitoring Emerging Trends and its Impact on Financial Services Ecosystem OJK acknowledges that the cryptocurrency market is constantly evolving and requires a comprehensive approach to risk management. In response to developments in the crypto asset market, the role of regulatory sandboxes and innovation centers in providing a conducive environment for testing crypto-based solutions is crucial, particularly in mapping out licensing and supervisory requirements. By monitoring emerging trends in blockchain technology, the OJK is proactively developing regulations that promote innovation while protecting consumers and financial stability. Regulatory sandboxes play a vital role in implementing this strategy as they enable experimentation in finding crypto- based solutions within a controlled environment. This approach will foster responsible innovation, protect consumers by identifying potential risks, and gather data for regulatory development.
rules. Close cooperation with central banks will be essential in assessing the impact of crypto asset activity on financial stability and monetary policy, and coordination with law enforcement will be undertaken to address crypto-related crimes such as money laundering and terrorist financing. Finally, alignment and collaboration with international standard-setting bodies will enhance bilateral cooperation with regulators from other jurisdictions to harmonise best practices in the development of internationally applicable crypto regulatory standards.”
keamanan siber, rencana kontinuitas bisnis, dan peraturan perilaku pasar. Dalam menilai dampak aktivitas aset kripto terhadap stabilitas keuangan dan kebijakan moneter, kerjasama dengan bank sentral sangat diperlukan, serta koordinasi dengan lembaga penegak hukum akan dilakukan dalam menanggulangi kejahatan terkait kripto diantaranya pencucian uang, dan pendanaan terorisme. Terakhir, penyelarasan dan kolaborasi dengan international standard- setting bodies akan meningkatkan kerja sama bilateral dengan regulator dari jurisdiksi lain dalam rangka harmonisasi praktik terbaik dalam mengembangkan standar pengaturan kripto yang berlaku secara internasional.
Dampaknya terhadap Ekosistem Keuangan Digital
OJK menyadari bahwa pasar aset kripto terus berkembang dan membutuhkan pendekatan yang komprehensif dalam rangka pengelolaan risiko. Dalam menyikapi perkembangan di pasar aset kripto, peran regulatory sandbox dan pusat inovasi untuk menyediakan ruang yang kondusif dalam melakukan pengujian solusi berbasis kripto sangat penting terutama dalam memetakan persyaratan perizinan dan pengawasan. Dengan memantau tren yang berkembang di teknologi blockchain , OJK secara proaktif mengembangkan peraturan yang mendorong inovasi sambil melindungi konsumen dan stabilitas keuangan. Regulatory sandbox memainkan peran penting dalam implementasi strategi ini karena memungkinkan eksperimen dalam mencari solusi berbasis kripto dalam lingkungan terkontrol. Pendekatan ini akan mendorong inovasi yang bertanggung jawab, melindungi konsumen dengan melakukan identifikasi potensi risiko, dan mengumpulkan data untuk kepentingan penyusunan peraturan.
Gambar 28 : Jenis dan Nilai Aktivitas Ilegal terkait Aset Kripto Sumber : Chainalysis (2024) Figure 28 : Total Cryptocurrency Value Received by Illicit Addresses Source : Chainalysis (2024)
Total cryptocurrency value received by illicit addresses 2018- 2023
$39.6B
3) Pengembangan Pengawasan Berbasis Risiko
3) Developing Best Supervisory Practices
$40.08
Pengembangan pengawasan aset kripto akan diarahkan kepada penilaian risiko dalam ekosistem kripto. Pendekatan ini bertujuan untuk memitigasi risiko seperti pelindungan konsumen, stabilitas keuangan, dan risiko AML/ CFT. Pengembangan kerangka pengawasan berbasis risiko akan mempertimbangkan tingkat risiko dari aktivitas di pasar aset kripto, sehingga memungkinkan alokasi sumber daya yang efisien. Selain itu, pengawasan berbasis risiko juga akan menekankan pada penilaian risiko berdasarkan kemungkinan keterjadian dan dampaknya terhadap operasional penyelenggara aset kripto. Penilaian ini memungkinkan perancangan strategi mitigasi yang spesifik, termasuk mitigasi risiko terkait kecukupan modal, aturan Know Your Customer (KYC) dan Anti-Pencucian Uang (AML), standar
The development of crypto-asset supervision will focus on risk assessment within the crypto ecosystem. This approach aims to mitigate risks such as consumer protection, financial stability and AML/CFT risks. The development of a risk- based supervisory framework will take into account the level of risk associated with activities in the crypto asset market, allowing for an efficient allocation of resources. In addition, risk- based supervision will emphasise risk assessment based on the likelihood of occurrence and its impact on the operations of crypto asset service providers. This assessment will enable the design of specific mitigation strategies, including mitigation of risks related to capital adequacy, know your customer (KYC) and anti-money laundering (AML) rules, cybersecurity standards, business continuity plans, and market conduct
$30.08
$24.2B
$23.2B
$20.08
$12.5B
$9.4B
$10.08
$4.6B
$0.08
2018
2019
2020
2021
2022
2023
Sanctioned jurisdiction Special measures
Terrorism financing Terrorism financing Ransomware Cybercriminal administrator
Online pharmacy
FTX creditor claims (fraud)
Sanctioned entity
Fraud shop
CSAM Malware
Stolen funds
Scam Darknet market
Peta Jalan Pengembangan dan Penguatan Inovasi Teknologi Sektor Keuangan, Aset Keuangan Digital dan Aset Kripto 2024 - 2028
Roadmap for Developing and Strenghthening Financial Sector Technology Innovation, Digital Financial Asset, and Crypto Asset 2024 - 2028
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