Built on Stellar · All-in-one crypto payment & daily utility app

Pay anywhere.
Access everywhere.

Scan any QRIS at warung, kafe or toko. You pay in stablecoins — the merchant receives local fiat (IDR today) instantly. Purchase digital goods, pay electricity bills, and interact with DApps directly from your wallet.

QRIS · Indonesia Made for UMKM · warung, café, toko Stablecoin → IDR · instant Bahasa Indonesia · English
QRIS · Indonesia UMKM Stablecoin → IDR Digital Goods Warung · Kafe · Toko Wallet-to-Wallet Transfers DApp Browser SEA next QRIS · Indonesia UMKM Stablecoin → IDR Digital Goods Warung · Kafe · Toko Wallet-to-Wallet Transfers DApp Browser SEA next
Scan to Pay
Warung Mbak Sri · QRIS
Bank Indonesia · ID 936008XXXXXXX
M
Warung Mbak SriJl. Tegalsari · Surabaya
USDC → IDR
Rp 28,000 · $1.78
instant settle
0% fee · merchant
Scan to Pay · QRIS · UMKM Indonesia

Stablecoins meet your
warung sebelah.

Open the camera. Point at any QRIS code — from kaki-lima to mall tenant. You pay in stablecoins; the merchant receives Rupiah in their account, instantly. No crypto knowledge needed on their side.

  • Works with every QRIS merchant in Indonesia
  • Made for UMKM — warung, kafe, toko, kaki-lima
  • Sign up as a merchant in-app, generate your QR in 60 seconds
Indonesia today · SEA next
Learn about QRIS integration
Universal QRIS Integration

25 million merchants,
day one.

You don't need to look for "crypto-accepted here" signs. TakumiPay integrates directly with Indonesia's existing QRIS infrastructure, allowing you to spend your stablecoins at any warung, cafe, or mall nationwide.

  • Scan any existing QRIS code — no special merchant setup needed
  • You pay in stablecoins, the merchant receives Rupiah
  • Zero crypto knowledge required on the merchant's side
  • Works everywhere across Indonesia, from kaki-lima to retail chains
NATIVE INTEGRATION · REAL-TIME SETTLEMENT
Any MerchantWARUNG · KAFE · TOKO
Universal QRIS
QRIS
25M+
Merchants supported
Every QRIS code in Indonesia
Zero
Merchant onboarding
Works with their existing setup
Instant
Stablecoin to IDR
Real-time settlement behind the scenes
Utilities & DApps

Crypto for
everyday life.

Turn your crypto into real-world value instantly. Deposit and redeem points for digital goods, top up your phone credit, or pay electricity bills without leaving the app.

  • Deposit and redeem points for real-world digital goods
  • Pay electricity bills and buy phone credit instantly
  • Built-in DApp browser with seamless wallet connectivity
  • Receive instant notifications for incoming transfers
Explore utilities
Portfolio · 30d
$ 4,218.62
▲ +$132.18 (+3.2%)
Stablecoin LP
8.4%
Kamino · A-rated
USDC Lending
5.7%
Aave V3 · A-rated
$
100+
Features across 17 categories
Stellar
Powered by the Stellar network
3.2s
Median QR settlement on Stellar
0%
Merchant fee on UMKM tier
The whole stack

More than a payment app.

Payments, digital goods, transfers, and decentralized applications — all from a single wallet.

ID

Indonesia-first.
SEA next.

We're shipping where the demand is. QRIS goes live in Indonesia first — then Thailand, Singapore, Malaysia & Vietnam follow. Built on Stellar for fast settlement, enabling users to pay seamlessly with stablecoins on the network.

Stellar Assets
Soroban
Smart Contracts
Stellar Network
Pay from any · Settle anywhere
LiveQRIS · IDSoonTHSGMYVN

Stablecoin in, Rupiah out.

You pay in USDC or USDT. The merchant gets IDR in their bank — same day, mid-market rate. No hidden spread, no "foreign card" fees, no surprise.

Wallet-to-wallet transfers.

Transfer funds instantly to anyone, anywhere, just by scanning a QR code. Receive real-time push notifications the moment you get paid.

DApp Browser.

Built-in DApp browser with native wallet connectivity. Interact with decentralized applications effortlessly.

Digital goods & utilities.

Deposit and redeem points for real-world digital goods. Pay your electricity bills or buy phone credit directly.

Built to protect your money

Built so you never have to worry.

Every payment is previewed before it leaves your phone. Suspicious recipients, scam links, lookalike addresses — all caught and flagged before you ever tap confirm.

Face ID & PINBiometric unlock, app-level PIN, auto-lock when you switch apps.
Preview every paymentSimulated outcome shown before any payment leaves your device.
Encrypted backupsYour keys never leave your device. Encrypted, biometric-locked.

Your crypto,
ready for the real world.

Available now for Android. Get the app, scan any QRIS, and unlock everyday utilities in seconds.