Ripple restores BI-FAST support in rupiah payment specifications
The technical documentation lists transaction limits for transfers to Indonesian bank accounts, but does not establish that a commercial service is running.
Ripple’s API specifications were updated on 10 November 2026 to include rupiah payments through Indonesia’s BI-FAST system. The documentation provides a technical basis for cross-border transfers into Indonesian bank accounts, although banks or payment providers must implement it before customers can use the service.
Payments Direct version 2026.03 identifies the Indonesian payout route with the code ID_BIFAST and includes the rupiah, or IDR, among supported currencies. The support first appeared in July 2026, was removed in September and has now been restored.
The specifications set a minimum transfer of Rp50,000 and a maximum of Rp100 million, with each recipient subject to a daily ceiling of Rp750 million. The Rp100 million cap is imposed by the service provider, rather than BI-FAST, whose general limit is Rp250 million per transaction. Domestic payouts are described as real-time and available around the clock.
Under the outlined process, an overseas sender initiates payment through a Ripple partner. After recipient details and available funds are checked, the money is converted into rupiah under applicable rules and routed through BI-FAST to the destination account within seconds.
The technical listing does not indicate a formal partnership with Bank Indonesia or confirm commercial availability. Transfers through Ripple also do not necessarily involve the XRP cryptoasset.
