Permitted and licensed company list from November https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-30-Oktober-2019.aspx Koinworks one of, if not the biggest doesn't have their license yet, only permitted. How about Akseleran, nope only permitted. Understand yet?