Question 1

What is a digital dollar?

Accepted Answer

A digital dollar is a stablecoin, a crypto asset whose value is pegged 1:1 to the US dollar. So 1 digital dollar is always worth 1 USD.

Unlike cash, a digital dollar lives on the blockchain. You can own, hold, and grow it straight from the Mobee app anytime, without a trip to the bank or money changer.

Question 2

How does a digital dollar work?

Accepted Answer

Every digital dollar you hold is backed 1:1 by real dollar reserves held by its issuer. That is why its value stays stable with the US dollar and does not swing wildly like most crypto assets. When you buy, Mobee converts your Rupiah into digital dollars at the best rate. After that, you are free to hold it, withdraw it, or turn on Flexi Earn so your balance earns a daily yield.

Question 3

Is saving digital dollars on Mobee safe?

Accepted Answer

Yes. Mobee is registered and supervised by OJK, and is a registered member of the CFX (Central Finansial X) exchange. Your security is also protected in layers. Your digital dollars are fully backed 1:1, held by an institutional custodian, and your data is encrypted and protected to the ISO27001 international security standard. Your assets are protected in layers: Institutional custody: reserves are held by a professional custodian, separate from Mobee's operational funds. Cold storage: most assets are kept offline, far safer from hacking attempts. Layered access control: every access to the reserves is protected. So your assets stay protected even when you are offline. Even so, keep in mind that crypto asset trading is a high-risk activity. Make sure you understand the product before you start.

Question 4

Are my digital dollars really backed 1:1?

Accepted Answer

Yes. Every 1 digital dollar you hold is backed by 1 dollar of reserves, held separately from Mobee's operational funds. That means the value of your assets stays intact and you can withdraw anytime.

Question 5

What does it cost to save USD on Mobee?

Accepted Answer

Mobee charges a competitive spread of around 0.5%, and the fee is always shown before you confirm the transaction. So there are no hidden costs. Note: Fees can change at any time.

Question 6

How does Flexi Earn work?

Accepted Answer

Flexi Earn puts your digital dollars to work every day. Once activated, your USD balance automatically earns a daily yield at 5–9% APR per year, and you can withdraw anytime with no lock-up period. To activate it: Open Flexi Earn in the Mobee app. Choose the digital dollar you want to put in Flexi Earn. Enter the amount, then Tap "Invest". Your yield starts running right away and you can track it in your portfolio. Note: The APR is an estimate and can change at any time based on market conditions.

Question 7

How does Auto Invest work?

Accepted Answer

Auto Invest helps you buy digital dollars on a regular schedule, so you never have to worry about timing the market. Using a Dollar Cost Averaging (DCA) strategy, your purchases are spread out over time to even out your average buy price. To create a plan: Tap "Try Auto Invest". Choose the digital dollar you want to buy. Set the amount and schedule, for example weekly or monthly. Confirm your plan. Once active, Mobee buys automatically on your schedule. Just make sure you have enough IDR balance on each purchase date.

	Mobee	Bank	Money Changer	Holding IDR
Initial Deposit	Rp10,000	Large deposit	Fixed amounts	-
Purchase Limit	No limit	± $25k/mo	Subject to stock	-
Yield	Up to 7% per year	None	None	None
Access	Anytime	Bank hours	Store hours	Always

The Easy Way to
Save in US Dollars

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Start Building Your USD Portfolio From Rp10,000

The Perks of Saving US Dollars on Mobee

Fully Backed 1:1

Low & Transparent Fees

Easy to Manage

Institutional Custody

Frequently Asked Questions

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The Easy Way toSave in US Dollars