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Gold Pocket
About Gold Pocket Feature
1. What is the Gold Pocket Feature?
Gold Pocket is a Digital Gold investment feature in Jago & Jago Syariah, offered through a partnership between the Bank and Treasury as the Digital Gold Physical Trader.
Through this feature, you can easily buy and sell gold, monitor the latest price movements, and check your gold portfolio anytime—all in one app.
PT Indonesia Logam Pratama (Treasury) is the first Digital Gold Physical Trader in Indonesia that has received approval from the Commodity Futures Trading Regulatory Agency (BAPPEBTI) on December 13, 2021, under Decree No. 001/BAPPEBTI/P-ED/12/2021.
Please note that gold transactions in this feature occur between you and Treasury. Bank Jago acts as a partner that helps distribute Digital Gold products through Jago & Jago Syariah, making your investment more convenient.
2. What is Digital Gold?
Digital Gold is physical gold with ownership recorded digitally. Don’t worry, Digital Gold, offered by our official partner (Treasury), is backed by real physical gold as its underlying asset.
This allows you to invest more conveniently online without worrying about storage or the risk of losing physical gold.
3. What kind of gold underlies Digital Gold transactions?
In accordance with BAPPEBTI Regulation No. 9 of 2023, the physical gold underlying Digital Gold transactions must meet the following criteria:
- Minimum purity of 99.9% (24 karat)
- Has an official certificate that includes a serial number, logo, and clear weight
So, even though you transact digitally, the gold backing your investment is pure gold that meets BAPPEBTI’s strict standards. Please note that this physical gold is stored by the trader (Treasury) in a secure storage facility. Although you can start investing from a small amount (starting from 0.001 gram), the physical gold stored by the trader is generally in larger units, such as 1 kg gold bars. This is done to ensure the efficiency and security of the assets underlying your digital balance.
4. Why is Digital Gold safe?
Digital Gold trading (including those conducted by Treasury) is supervised by BAPPEBTI. BAPPEBTI requires the existence of physical gold as the underlying asset of the transaction.
With this regulation, Digital Gold transactions are not without an underlying asset, as the physical gold truly exists; only the ownership recording is done digitally.
In addition, Digital Gold trading transactions are supported by the Digital Gold Clearing House (PT Indonesia Clearing House / ICH), the Digital Gold Exchange (Indonesia Commodity & Derivative Exchange / ICDX), and the Gold Storage Facility (PT ICDX Logistik Berikat / ILB), ensuring their validity.
The gold stored in the Gold Storage Facility is also insured as a form of customer asset protection.
From a value fluctuation perspective, gold has relatively more stable value characteristics compared to other high-risk instruments in the long term, making gold investment suitable for balancing your investment portfolio.
5. What are the benefits of Digital Gold?
Investing in gold is now easier than ever. With Gold Pocket, you can:
- Start investing from as little as Rp5,000.
- Buy and sell anytime, anywhere.
- Own 100% real gold stored securely under regulatory supervision.
- Diversify your savings and protect against inflation.
- Invest in a relatively stable long-term asset.
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Buying Digital Gold
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Selling Digital Gold
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Viewing Gold Portfolio
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Create up to 60 Jago Pockets (bank accounts) without monthly admin fees to start saving, transacting, and managing expenses.
Open a Term Deposit in minutes directly from the app and get competitive interest. Withdraw your Deposit early (if needed) without penalties. Plus, there is a free quota for inter-bank transfers and e-Wallet top-ups up to 150x according to Account Level.
Grab your smartphone, scan the QR code below to download and register Jago from anywhere and anytime.
