Tanamduit

Digital investment and insurance platform for retail users in Indonesia

Distribution & Sales Growth Seed

Overview

Tanamduit is a digital distribution platform for retail investment and insurance products in Indonesia, serving individual consumers through a single mobile and web application. Operated by PT Mercato Digital Asia under OJK license as PT Star Mercato Capitale, the platform is regulated and supervised by Indonesia's Financial Services Authority (OJK).

The platform integrates mutual funds, government securities (SBN), gold savings, and over 20 insurance products through partnerships with licensed Indonesian insurers including Adira Insurance, Jagadiri, and KSK Insurance. It supports multiple payment gateways (DANA, GoPay, OVO, bank transfers) and uses multi-layer authentication including PIN, biometric fingerprint, and Face ID.

Founded in 2015 and seed-funded with USD 3M in 2018, Tanamduit reported USD 6.5M in annual revenue in 2024. A notable 2023 partnership with BPJS Ketenagakerjaan, Indonesia's state workers' social security fund, extended distribution reach to 20.9 million registered workers via the Jamsostek Mobile app.

Products & Services

Insurance Marketplace

Digital distribution of over 20 insurance products through a mobile-first platform, covering health, gadget, and specialty plans underwritten by partnered Indonesian insurers.

Key Features

Health protection including dengue fever (DBD) coverage and hospital cash plans
Gadget insurance for smartphones and electronics from major brands (annual premiums from Rp 50,000)
Specialty health plans (Jaga Sehat Tropis and Jaga Sehat Pilihanku by Jagadiri)
Integrated purchase and claims through the app

Target Users: Retail consumers in Indonesia seeking affordable digital insurance

Investment Platform

Multi-instrument investment app enabling retail users to invest in mutual funds, government securities, and gold starting from low minimums.

Key Features

Mutual funds (Reksa Dana) from Rp 10,000 minimum
State-guaranteed government securities (SBN) with OJK authorization
24 Karat gold savings via PT Antam partnership
Tanam Mimpi goal-setting feature with budgeting and progress tracking

Target Users: First-time and retail investors in Indonesia

At a Glance

Founded: 2015
Headquarters: Jakarta, Indonesia
Employees: 41-50
Funding: Seed

Category & Focus

Category: Distribution & Sales
Subcategories: Digital Insurance Marketplace Embedded Insurance Investment Platform
Insurance Verticals: Health P&C Personal Specialty/E&S
Target Customers: Consumers