PJP 1 Roadmap

Minimum Viable Compliance to Scalable Wallet Infrastructure

PT. IMMER | May 2025

Milestone 1: MVP B2C E-Wallet

• User registration + KYC Tier 1
• Top-up (VA/QR)
• Balance view & history
• QRIS payment (pay only)
• PIN / biometric lock

Milestone 2: Full KYC & Wallet Tiers

• KTP + selfie (Tier 2)
• Wallet limit enforcement
• KYC retry mechanism

Milestone 3: Merchant Module

• Merchant onboarding (admin/manual)
• QRIS static/dynamic
• Receive payment
• Merchant wallet
• Bank settlement

Milestone 4-6: Social & Utility Expansion

• P2P Transfers (M4)
• Bank Withdrawals (M5)
• Bill Payments, Checkout (M6)

Milestone 7-9: Merchant Scale & Control

• Self-Onboarding (M7)
• Multi-Wallet: Cashback & Promo (M8)
• Admin Dashboard & Compliance Logs (M9)

Milestone 10-11: Platform & Security

• Wallet SDK / API for partners (M10)
• Fraud Rules & Risk Engine (M11)

Milestone 12-14: Enterprise & Ecosystem

• Remittance Layer (PJP 3, M12)
• Enterprise Wallets & Payroll (M13)
• B2B2C Marketplace Wallet (M14)

Summary

• Compliance-first MVP unlocks license and market entry
• Merchant module bridges open-loop ecosystem
• Progressive roadmap ensures scalability, modularity, and compliance