HuzraHow the rate is set
The Huzra rate is based on live market prices:
- USDT: the current market price of USDT in Rupiah, refreshed about every minute.
- Foreign currencies: published reference exchange rates, refreshed regularly.
From this reference price we apply a rate margin, currently 0.5%, which is already included in the rate shown. The margin can change; the current figure is always on the fee list on our home page.
Safeguards
To protect you from bad data, we check the USDT price against the US dollar rate. If the two disagree by an unusual amount, or the data is out of date, we fall back to a safe reference or pause new orders until reliable data returns. We never fill an order with a rate older than our freshness limits.
The 15-minute rate lock
When you confirm an order, the rate is locked for 15 minutes. If you pay and tap "I have transferred" within that time, you receive the locked rate even if the market moves. If the lock ends first, the order expires and a new order uses the new rate.
Fees
Fees are separate from the rate margin and are itemised before you confirm:
| Fee | Amount |
|---|---|
| Service fee, up to Rp 5 million | 1% |
| Service fee, Rp 5 to 20 million | 0.75% |
| Service fee, above Rp 20 million | 0.5% |
| Minimum service fee | Rp 10,000 |
| Bank Central Asia ATM pickup | Rp 7,500 |
| Indomaret or Alfamart pickup | Rp 5,000 |
The service fee tier depends on the Rupiah value of the order before fees.
Charts and comparisons
Rate charts on our website and in the app show the Huzra rate over time, before service and pickup fees. Charts are for information; the rate you get is the one shown when you confirm.
Comparisons with airport, port and street money changers are estimates based on typical counter rates. They are not quotes from any specific business and actual counter rates vary by location and time.
Rounding
Amounts are calculated in Rupiah and rounded to the nearest Rupiah. Cash is paid in Rp 50,000 steps; the remainder goes to your balance as described in the Transaction Policy.