HuzraOverview
A Huzra transaction turns USDT, USDC or a supported foreign currency into Indonesian Rupiah cash that you collect in person. This policy describes each step, the limits that apply and how balance withdrawals work. Fees are listed in the app before you confirm and summarised on our home page.
Before your first order
You must complete identity verification under the AML & KYC Policy. Orders cannot be placed until verification is approved.
Placing an order
- Choose a pickup point. Bank Central Asia ATM (cardless withdrawal), Indomaret, Alfamart, or a cardless ATM withdrawal at Bank Rakyat Indonesia, Bank Syariah Indonesia, bank bjb or CIMB Niaga.
- Choose what you send and how much. The app shows the exchange value, the service fee, the pickup fee, the cash you will receive and any remainder.
- Confirm. The rate is locked for 15 minutes from this moment.
Cash is paid in multiples of Rp 50,000, with a minimum of Rp 100,000 per order. Anything below the next Rp 50,000 step is credited to your Huzra balance. You can apply your balance to a new order. You can have up to three open orders at the same time. There is no fixed maximum per order for collection at a Bank Central Asia ATM. Collection at Indomaret, Alfamart or another bank's ATM is limited to Rp 1,000,000 per order. Large orders may be held for additional checks.
Paying
- Send exactly the amount shown to the payment details shown in the app for that order. Payment details can change between orders; never reuse old details.
- USDT is accepted on TRON (TRC20), Ethereum (ERC20), BNB Smart Chain (BEP20), Polygon and Solana; USDC on Solana and Polygon (native USDC). Each order names one network: send only on that network. Funds sent on another network may be permanently lost.
- USDC is priced at the USDT rate less Rp 100 per coin.
- After sending, tap "I have transferred". Do not tap it before you have paid.
- When payments are checked: USDT payments 24 hours a day, 7 days a week. Bank transfer payments between 23:00 and 09:00 UTC; a transfer made outside these hours is checked in the next window at your locked rate.
- If the 15-minute lock ends before you tap "I have transferred", the order expires and any balance you applied is returned automatically.
Late payments. If your payment arrives after the order has expired, we process it at the Huzra rate at the time the funds are received. Message us with the order ID so we can match it.
Verification and pickup
A Huzra team member checks every payment. Once it is verified, you receive your withdrawal code and a step-by-step pickup guide in the bot chat.
- Collect your cash within 1 hour. Withdrawal codes are valid for 1 hour from the moment we send them.
- Keep codes private. Anyone who has the code can collect the cash.
- If a code fails or expires, reply in the bot chat straight away.
Expired codes. If a code expires unused, we issue a new code once, free of charge. If the second code also expires unused, the cash amount is credited to your Huzra balance, where you can use it on a new order or withdraw it.
If a payment cannot be verified, for example because the amount, network or sender does not match, or because additional checks are needed, the order may be held or declined. Declined orders are handled under the Refund & Cancellation Policy.
Balance withdrawals
Your balance can be withdrawn to a bank account in your own verified name. E-wallets and third-party accounts are not supported.
| Indonesian bank | Bank abroad | |
|---|---|---|
| Minimum | 10 USD equivalent | USD 100 equivalent |
| Fee | Free | 0.125% (minimum USD 5, maximum USD 150) + Rp 35,000, deducted from the amount |
| Details needed | Bank name, account number | Country, bank, SWIFT/BIC, local clearing code where used, account number or IBAN, nationality, country of residence, state, city, postal code, address, phone |
Withdrawals are processed between 23:00 and 09:00 UTC, every day. Requests made outside these hours are processed in the next window. For transfers abroad, intermediary banks may deduct their own fees, and the time to arrive depends on the banks involved. If a withdrawal is rejected, the amount is returned to your balance.
Service availability
We may pause new orders, for example during maintenance or when reliable rates are unavailable. Open orders are still processed. The mini app shows when the service is paused.
Records
Every order, balance change and withdrawal is recorded with a reference number. Quote the reference when you contact support.
See also: Exchange Rate Policy, Risk Disclosure.