Kepastian Hukum Aset Digital sebagai Objek Jaminan dalam Perjanjian Kredit Legal Certainty of Digital Assets as Collateral Objects in Credit Agreements

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Page Numbers: 3872-3882
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Published: Jun 17, 2026
Digital Object Identifier: 10.58578/yasin.v6i3.10684
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Authors:
Alfia Salsabila1*, Rachmadi Usman2
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Alfia Salsabila
Universitas Lambung Mangkurat Banjarmasin
Rachmadi Usman
Universitas Lambung Mangkurat Banjarmasin

Abstract

Although digital assets have received attention in various previous studies, studies that specifically discuss legal certainty and the enforcement framework for digital asset collateral under Indonesian civil security law remain limited. This study aims to analyze the concept of digital assets as “objects” in Indonesian property law in relation to ownership rights and to identify normative obstacles and mechanisms for enforcing digital asset collateral in the event of debtor default. This study uses a qualitative approach with a doctrinal design through normative legal research based on statutory and conceptual approaches. The data used were secondary data, including primary, secondary, and tertiary legal materials, and were then analyzed using qualitative descriptive-analytical analysis. The results show that digital assets legally meet the requirements as intangible movable objects under Article 499 and Article 503 of the Indonesian Civil Code because they can be controlled through a private key, have economic value, and form part of a person’s assets. However, the enforcement of digital asset collateral still faces fundamental obstacles due to the decentralized characteristics of blockchain, the technical principle of “not your keys, not your coins,” extreme volatility, and the normative vacuum in the Fiduciary Security Law. The conclusion of this study affirms that the use of accredited custodial institutions can serve as a point of legal intervention to secure the enforcement mechanism for digital asset collateral. The implications of this study include theoretical contributions to the development of principles of immaterial property law and a practical framework for the Financial Services Authority (OJK) in formulating cross-sectoral regulations on digital assets as collateral objects.

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Article Details

How to Cite
Salsabila, A., & Usman, R. (2026). Kepastian Hukum Aset Digital sebagai Objek Jaminan dalam Perjanjian Kredit. YASIN, 6(3), 3872-3882. https://doi.org/10.58578/yasin.v6i3.10684

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Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.

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