# IDR

Deposit and withdraw IDR directly from the Defx app via QRIS, Virtual Account (VA), or E-Wallet, and withdraw to bank.

### 1. Overview

<table><thead><tr><th width="113.6171875">Customer</th><th width="101.1484375">Exchange Rate</th><th width="109.9765625">Sources</th><th width="385.62890625">Payment Types, Caps &#x26; Fees</th></tr></thead><tbody><tr><td>Individual, Businesses</td><td>1:1 IDR &#x3C;> IDRX</td><td>Your own bank only</td><td><strong>Incoming:</strong> <br>≤ Rp10,000,000<br>QRIS: Rp0, VA: Rp3,000, E-Wallet: 1.67%<br><br>> 10,000,000 to ≤ 20,000,000: <br>VA: Rp3,000, E-Wallet 1.67%<br><br>> 20,000,000<br>VA: Rp3,000<br><br><strong>Outgoing:</strong><br>≤ IDR 250,000,000: <br>Rp5,000, real-time<br><br>> IDR 250,000,000 to &#x3C; 1,000,000,000: Rp35,000, processed Mon–Fri 08:00–15:00</td></tr></tbody></table>

### 2. KYC

* You must complete identity verification (KYC) to get access to IDR ramps.
* KYC is collected and verified by IDRX; their eligibility rules and sole discretion applies.

### 3. Enhanced Due Diligence (EDD)

1. IDRX will email your registered address requesting:
   * Source of Funds documentation; and
   * Purpose of the transaction.
2. The deposit will be held at the fiat layer until documents are reviewed.
3. If the requested documents are not provided within 10 days, the transaction is rejected and funds are automatically refunded back to the sending account. Any refunded transactions  will incur a Refund penalty of Rp5,000 + applicable redeem fees.

### 4. Disclaimers

* Defx is not a bank.

  Fiat is not custodied by Defx; IDRX orchestrate regulated rails and bank networks behind the scenes.
* Partner terms apply.

  KYC, eligibility, and compliance checks for IDR are performed by IDRX. Their terms and policies govern access to the IDR rails.