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Market Summary: USDT/IDR BUY Market
Analyzing current USDT/IDR BUY market conditions based on available market data as of 2026-02-19:
Market Overview
| Indicator | Value |
| :---- | :---- |
| Market Type | BUY |
| Fiat/Asset Pair | IDR/USDT |
| Price Range | 16,933 - 17,013 IDR |
| Price Distribution | - 95%+ rated merchants: 16,962 - 17,013 IDR (76% of offers)<br>- 80-95% rated merchants: 16,965 - 17,000 IDR (10% of offers)<br>- <80% rated merchants: 16,933 - 17,000 IDR (14% of offers) |
Merchant Dimension
| Indicator | Value |
| :---- | :---- |
| Positive Rate | - High (>95%): 76% - Most reliable merchants with best track record<br>- Medium (80-95%): 10% - Established merchants with good history<br>- Low (<80%): 14% - New or less active merchants |
| Monthly Order Count | - High volume (3,206+ orders, threshold set at 80th percentile): 20% - Top 20% most active merchants |
| Finish Rate | - High (>40%): 98% - Most reliable with consistent completions<br>- Medium (15-40%): 1% - Average reliability<br>- Low (<15%): 1% - May have cancellations or pending orders |
Transaction Dimension
| Indicator | Value |
| :---- | :---- |
| Payment Methods | - BANK: 85% - Standard Indonesian bank transfer, most widely accepted<br>- BCAMobile: 60% - BCA mobile banking, popular for instant transfers<br>- MandiriPay: 45% - Mandiri bank transfer, common among merchants<br>- Other: 35% - Includes SEAbank, BANKBRI, Blu, PermataMe, YapBNI, DANA, GoPay, OVO, JeniusPayMe, CIMBNiaga, OCBCNISP, DanamonBank, AlloBank, NEO, Sinarmas, AladinBank, BSI, etc. |
| Time Limits | - 15 min: 95% - Requires immediate attention and quick payment<br>- 60 min: 3% - Allows more flexible payment timing<br>- >60 min: 2% - Most flexible payment window, but less common |
| Transaction Limits | - Min: 10,000 IDR - Accessible for small trades<br>- Max: 1,697,651,174 IDR - Suitable for larger transactions<br>- Avg max: ~38,000,000 IDR - Typical upper limit for most merchants |
Additional Market Insights:
Payment Time Windows and Merchant Preferences:
The vast majority of offers (95%) require payment within 15 minutes, indicating a preference for fast, real-time transactions. Only a small fraction allow longer payment windows, which are typically associated with less active or new merchants.
Merchant Verification Status and Performance:
Most merchants (76%) have a positive rate above 95%, showing high reliability and trustworthiness. The top 20% of merchants handle over 3,206 orders per month, demonstrating strong market activity and liquidity. Finish rates are also high, with 98% of merchants consistently completing orders.
Popular Payment Methods and Market Accessibility:
BANK transfers dominate the market (85%), followed by BCAMobile and MandiriPay. The presence of multiple payment options, including digital wallets and other banks, increases accessibility for buyers with different preferences.
Market Liquidity and Merchant Activity:
The market is highly liquid, with large transaction limits (up to 1.7 billion IDR) and a wide range of offer sizes. High-volume merchants contribute significantly to liquidity, ensuring buyers can transact at various scales.
Price Competitiveness Among Different Merchant Tiers:
The most competitive prices are offered by merchants with high positive rates (>95%), covering the majority of the market. Medium and low-rated merchants tend to offer prices within the same range but are less represented, suggesting buyers prioritize reliability over marginal price differences.
This analysis is based on real-time market data from 100 available offers in the USDT/IDR market.

Today's top crypto news includes a variety of topics, from market analysis and price predictions to regulatory discussions and institutional adoption.

Here's a summary of some key headlines:

Market Analysis and Price Predictions:
Analysts are debating the future price trajectory of various cryptocurrencies. Some suggest that $5,000 Ethereum price looks unlikely this cycle, while others warn of a potential deeper reset for Bitcoin, with some analysts stating that "$60K–$65K Looks Realistic" for Bitcoin.
There's also news about AI models like Perplexity AI, China's DeepSeek AI, Google's Gemini AI, and Elon's Grok AI making predictions for the prices of XRP, Cardano, Bitcoin, PEPE, Shiba Inu, and Solana by the end of 2026.
Billionaire crypto trader Arthur Hayes has shared two scenarios for Bitcoin's price, one of which calls for a major crypto rally, while the other suggests a further dump if traditional stocks face a significant downturn.

Institutional Adoption and Regulations:
JPMorgan analysts have identified Singapore-based Bitdeer as the new leader in public Bitcoin mining, surpassing MARA in self-mining hash rate.
Traditional banks are increasingly partnering with crypto firms to modernize payment systems. For example, Citi is working with Coinbase on digital asset payment solutions for institutional clients, and PNC Bank is using Coinbase's infrastructure for Bitcoin trading services.
There are reports of US Senators expressing concerns over the DOJ's crypto crime unit shutdown due to conflicts of interest.
A New York prosecutor is advocating for criminalizing unlicensed crypto operations.

Other Notable News:
World Liberty Financial (WLFI), a crypto project associated with the Trump family, held its first World Liberty Forum, focusing on the future of finance, technology, and policy.
Franklin Templeton CEO Jenny Johnson discussed the transition of Real World Assets (RWA) from concept to scalable practice.
Binance co-CEO Richard Teng confirmed that CZ, despite stepping down, still holds influence in major corporate decisions as the exchange's largest shareholder.
Bank of America's CEO warned that $6 trillion in deposits could flow into stablecoins.