AsetKu vs POSPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AsetKu
This platform offers secure, digital lending services with flexible loan options and transparent costs. It provides a user-friendly experience for borrowing money anytime, anywhere, without requiring collateral. All operations are licensed and supervised by OJK.
- Collateral-free loans
- Flexible loan amounts (Rp 150,000 - Rp 15,000,000)
- Repayment terms (91-365 days)
- Transparent interest rates (max 0.3% daily)
- 100% digital verification
- Fast loan disbursement
- ISO 27001 & 27701 certified
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Application Name : AsetKu - Digital Lending Description : AsetKu is an digital Lending (Borrowing) platform licensed and supervised by OJK (Financial Services Authority) under Business License No. KEP-123/D.05/2021. It is also a member of AFPI, the association officially appointed by OJK as the official platform for Technology-Based Joint Funding Services. AsetKu offers user-friendly online services 24/7 to meet your lending or borrowing needs anytime, anywhere. Secure Consumptive Loan Solutions that offer safe loan services in full compliance with the regulations of the Financial Services Authority (OJK). Flexible Loan Options: Loan amounts ranging from Rp 150,000 to Rp 15,000,000. A variety of repayment terms, from 91 to 365 days. Transparency of Costs: Maximum daily interest rate of 0.3%. Maximum Annual Percentage Rate (APR): 109.5%. In accordance with OJK regulations, total interest, fees, and late charges will not exceed 100% of the initial loan principal. Loan Simulation Example: A loan of Rp 1,000,000 with a term of 91 days will result in a total repayment of Rp 1,273,000. Why Choose AsetKu? No collateral required. 100% digital, easy and simple verification process. Loan is disbursed upon approval. Competitive interest rate at max. 0.3% per day. No hidden fees. ISO 27001 certified for information security and ISO 27701 certified for data privacy management. Terms and Conditions : Indonesian citizen (WNI). At least 18 years old. Possesses a valid ID and bank account. How to Apply for a Loan on AsetKu: 1. Download the AsetKu app. 2. Fill in your personal information. 3. Apply for a loan limit. 4. Wait for the verification process. 5. Once approved, the loan will be disbursed directly to your bank account. AsetKu is licensed and regulated by OJK and holds ISO 27001 and ISO 27701 certifications. Contact Us Email : loan@asetku.com (for Lenders / Borrowers) and cs@asetku.com (for Lenders / Borrowers) Phone : (021) 1500116 Address : PT. Pintar Inovasi Digital (AsetKu) Sequis Tower, Lantai 18 Unit 1-7, Jalan Jend. Sudirman No. 71, Kel. Senayan, Kec. Kebayoran Baru, Kota Adm. Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12190
POSPAY
This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments. It extends the reach of PT Pos Indonesia's extensive service network.
- Bill payment for utilities, installments, and more
- Instant money transfers via Weselpos Instan
- Giropos account management
- QR code scanning for merchant payments
- Financial planning tools
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POSPAY adalah platform digital berbasis rekening Giropos yang diberikan kepada pemilik rekening Giropos sehingga dapat mengakses layanan Giropos dan layanan transaksi keuangan pos lainnya secara ‘mobile’. Dengan menggunakan ‘POSPAY Anda diberikan kemudahan dan fasilitas layanan transaksi keuangan secara ‘mobile’ yang dapat diakses kapan saja dan dimana saja seperti: a. Layanan Bill Payment: Pembayaran berbagai Tagihan : Listrik, PDAM, Cicilan Motor, Mobil, BPJS, Pembelian pulsa, token listrik dan masih banyak lagi. b. Pengiriman Uang melalui layanan Weselpos Instan. Kirim uang secepat sms. c. Pengelolaan Keuangan melalui Layanan Giropos: menyimpan dana di rekening Giropos, mudah, aman dan nyaman. d. Fasilitas Scan QR Code untuk pembayaran/pembelian via merchant/Micro Payment dengan basis Rekening Giropos. e. Perencanaan Keuangan dll. Layanan ‘POSPAY’ melengkapi jaringan dan titik layanan (Point of Sales) PT Pos Indonesia (Persero) yang sudah tersedia sebelumnya sekitar 58.700 titik dalam bentuk Kantorpos, Agenpos, Mobile Postal Service, dan lain-lain di seluruh Indonesia. Gunakan POSPAY untuk kemudahan dan kenyamanan kebutuhan layanan transaksi keuangan Anda.
Screenshots
Verdict
The clearest difference is rating: AsetKu at 4.5 against POSPAY's 1.7. AsetKu also leads on review sentiment (57% vs 15%) and ads (none vs shown). On price, ratings volume, update cadence and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AsetKu holds the better App Store score, 4.5 against 1.7. Both are backed by a comparable volume of ratings — 27 and 11 respectively. Written reviews point the same way: 57% of AsetKu's written reviews are positive against 15% of POSPAY's.
AsetKu ships an update every 2 months, POSPAY every 6 weeks. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.
| Parameter | AsetKu | POSPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (27 ratings) — better | 1.7 (11 ratings) |
| Positive reviews | 56.6% of reviews — better | 15.3% of reviews |
| Number of ratings | 27 — better | 11 |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 83 MB | 155 MB |
| Age rating | 4+ | 4+ |
| Developer | PT. PINTAR INOVASI DIGITAL | PT. Pos Indonesia (Persero) |
Customer experience
AsetKu
POSPAY
In-app purchases
AsetKu
No in-app purchases
POSPAY
No in-app purchases
