Strengthening risk management and payment systems supervision will also continue to be pursued, particularly in the implementation of cyber security and resilience, as well as strengthening compliance with the principles of Anti-Money Laundering and Prevention of Financing of Terrorism (AML/CFT). Scheme 14.
The Direction of Future Digital Rupiah Development  CENTRAL BANK  BI-RTGS  WHOLESALE PLATFORM  BI-FAST  BANK INDONESIA  One-tier Digital Rupiah  Issuance  Rupiah Digital Issuance wholesaler to member  Redemption  Issuance of Digital Rupiah directly to end users (future development)  DAD*  Cash Ledger Securities Ledger  Two-tier Digital Rupiah  INTERMEDIARY (BANK AND NONBANK)  Distribution and Collection of retail Digital Rupiah through: 1. wholesaler – end user 2. wholesaler – retailer – end user  NBFI  BANK  NBFI  BANK  Transfer Digital Rupiah transaction validation & settlement is carried out through web platforms, applications, and wallets (both online and oﬄine transactions)  NBFI  BANK  RETAILER  Cash Ledger : Digital Rupiah ledger component that  END USER  records on the cash side  Source: Bank Indonesia  72  Securities Ledger : Digital Rupiah ledger component that  RETAIL PLATFORM  records on the securities side Cash Ledger  Consumers  Merchants  Businesses  * DAD = Digital Asset Depository  Meanwhile, its utilization for various “retail” digital economic and financial transactions by the public will be left to the banks and nonbanks appointed as “wholesalers”.