good article. started with 1.7 mil in seed money. shows what kpay could be, if they can find money somewhere. https://asia.nikkei.com/Spotlight/Startups-in-Asia/Indonesian-P2P-lender-hatched-at-Harvard-rises-in-booming-market Here is where kpay's name needs to show up first: https://www.afpi.or.id/listfintech that starts the process of getting registered with the OJK https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/direktori/fintech/Pages/Direktori-Fintech-(Peer-To-Peer-Lending)-per-Juni-2018.aspx OJKs directory for fintech, which hasn't been updated since June 2019