package.json ×

plan.md

# fiatbtc.com — QRIS → BTC dalam 90 detik. Tanpa apps lokal yang lemot.

> QRIS-to-Bitcoin instant on-ramp untuk Indonesian retail

## §1 The Wedge

Indonesian crypto retail mau Bitcoin tapi 3 broker lokal teregulasi BAPPEBTI (Pintu, Tokocrypto, Indodax) UI-nya ribet, KYC slow, withdrawal fee gak transparan. fiatbtc.com narrow ke satu use case: **QRIS → BTC ke wallet kamu, dalam 90 detik**. Tidak hold dana lebih dari menit, tidak custodial wallet.

## §2 Money Stack

- **Spread fee:** 0.7-1.2% atas mid-market BTC/IDR (transparan, ditampilkan di kalkulator landing)
- **Volume target tahun 1:** Rp 50M/bulan transaction → revenue Rp 350-600k/bulan
- **Educational affiliate:** referral ke Pintu/Tokocrypto untuk advanced trading needs (komisi $15-50/funded user)
- **Premium "Auto-DCA":** Rp 49rb/bulan untuk recurring monthly QRIS auto-buy BTC

**Target MRR tahun 1: Rp 30-60 juta/bulan.**

## §3 Acquisition triple-stack

1. SEO: "cara beli bitcoin pakai QRIS", "harga bitcoin IDR hari ini"
2. TikTok edutainment 60-sec — "Beli BTC pakai QRIS dalam 3 langkah"
3. WhatsApp community untuk early adopters + DCA discipline check-in

## §4 AI automation map

- Price-oracle aggregator (Pintu + Tokocrypto + Binance public API) — Gemini Flash for outlier detect
- KYC OCR for Indonesian KTP — Workers AI vision
- Anti-fraud pattern detection — rule-based + Llama-3

## §5 Cloudflare architecture

Worker (orchestration) + D1 (transactions) + KV (price cache 60s TTL) + Queue (BTC payout job) + Workers AI (KYC OCR)

## §6 90-day execution

**Week 1-3:** MVP scoped ke core wedge — single feature yang demonstrate value.
**Week 4-6:** Tier paid launch + Mayar QRIS integration.
**Week 7-9:** Content/SEO push + community/partnership outreach.
**Week 10-12:** Iterate berdasar usage data, double down ke channel akuisisi terkuat.

## §7 Moat

Bukan exchange — tidak custodial, tidak hold dana, fokus ke ONE FUNCTION yang dilakukan paling cepat. Trust dari transparansi spread.

## §8 Standards

- 100% Cloudflare worker-cf
- Indonesian-language UI primary
- Privacy: opt-in only, data delete-on-request
- BAPPEBTI consultation MANDATORY sebelum production. Mungkin perlu register as PMA or partner dengan licensed exchange untuk legal operating.

## §9 Open Audit Items

- [ ] Mayar account setup untuk QRIS
- [ ] WhatsApp Business API atau share infra japri.com
- [ ] Brand visual identity (logo + hero photo) — gunakan site-build skill
- [ ] First-100 user acquisition channel test (mana yang terbukti)
- [ ] Legal/regulatory consultation untuk niche-specific (lihat §8)

---

## ⚙ HARD CONSTRAINTS (enforced for all sites)

This domain MUST operate within these constraints — no exceptions:

- **100% Cloudflare serverless** — Workers + D1 + R2 + KV + Workers AI + Vectorize. NEVER PM2, NEVER VPS, NEVER Docker in production path.
- **100% AI-automated** — every customer interaction, every moderation decision, every transaction reconcile = AI. No manual queue, no live human chat support, no physical fulfillment.
- **1-operator solo** — one person can run the entire operation from a phone. No team meetings, no shared inbox, no shift rotation.
- **WhatsApp AI bot** for all support (24/7, instant response, no SLA promises that need humans).
- **Mayar QRIS** for all Indonesian payments (subscription auto-renew, no manual invoicing).
- **Indonesian UI primary** — bahasa-first, English fallback only where unavoidable.
- **Privacy** — opt-in only, delete-on-request honored within 24h (cron-driven).
- **No physical goods, no inventory** — digital products + affiliate referrals only.

**If the plan above describes any flow that violates these constraints, treat the plan as ASPIRATIONAL only and rework before building. The constraint trifecta wins.**

PREVIEW

fiatbtc.com — QRIS → BTC dalam 90 detik. Tanpa apps lokal yang lemot.

QRIS-to-Bitcoin instant on-ramp untuk Indonesian retail

§1 The Wedge

Indonesian crypto retail mau Bitcoin tapi 3 broker lokal teregulasi BAPPEBTI (Pintu, Tokocrypto, Indodax) UI-nya ribet, KYC slow, withdrawal fee gak transparan. fiatbtc.com narrow ke satu use case: QRIS → BTC ke wallet kamu, dalam 90 detik. Tidak hold dana lebih dari menit, tidak custodial wallet.

§2 Money Stack

Spread fee: 0.7-1.2% atas mid-market BTC/IDR (transparan, ditampilkan di kalkulator landing)
Volume target tahun 1: Rp 50M/bulan transaction → revenue Rp 350-600k/bulan
Educational affiliate: referral ke Pintu/Tokocrypto untuk advanced trading needs (komisi $15-50/funded user)
Premium "Auto-DCA": Rp 49rb/bulan untuk recurring monthly QRIS auto-buy BTC

Target MRR tahun 1: Rp 30-60 juta/bulan.

§3 Acquisition triple-stack

SEO: "cara beli bitcoin pakai QRIS", "harga bitcoin IDR hari ini"
TikTok edutainment 60-sec — "Beli BTC pakai QRIS dalam 3 langkah"
WhatsApp community untuk early adopters + DCA discipline check-in

§4 AI automation map

Price-oracle aggregator (Pintu + Tokocrypto + Binance public API) — Gemini Flash for outlier detect
KYC OCR for Indonesian KTP — Workers AI vision
Anti-fraud pattern detection — rule-based + Llama-3

§5 Cloudflare architecture

Worker (orchestration) + D1 (transactions) + KV (price cache 60s TTL) + Queue (BTC payout job) + Workers AI (KYC OCR)

§6 90-day execution

Week 1-3: MVP scoped ke core wedge — single feature yang demonstrate value. Week 4-6: Tier paid launch + Mayar QRIS integration. Week 7-9: Content/SEO push + community/partnership outreach. Week 10-12: Iterate berdasar usage data, double down ke channel akuisisi terkuat.

§7 Moat

Bukan exchange — tidak custodial, tidak hold dana, fokus ke ONE FUNCTION yang dilakukan paling cepat. Trust dari transparansi spread.

§8 Standards

100% Cloudflare worker-cf
Indonesian-language UI primary
Privacy: opt-in only, data delete-on-request
BAPPEBTI consultation MANDATORY sebelum production. Mungkin perlu register as PMA or partner dengan licensed exchange untuk legal operating.

§9 Open Audit Items

Mayar account setup untuk QRIS
WhatsApp Business API atau share infra japri.com
Brand visual identity (logo + hero photo) — gunakan site-build skill
First-100 user acquisition channel test (mana yang terbukti)
Legal/regulatory consultation untuk niche-specific (lihat §8)

⚙ HARD CONSTRAINTS (enforced for all sites)

This domain MUST operate within these constraints — no exceptions:

100% Cloudflare serverless — Workers + D1 + R2 + KV + Workers AI + Vectorize. NEVER PM2, NEVER VPS, NEVER Docker in production path.
100% AI-automated — every customer interaction, every moderation decision, every transaction reconcile = AI. No manual queue, no live human chat support, no physical fulfillment.
1-operator solo — one person can run the entire operation from a phone. No team meetings, no shared inbox, no shift rotation.
WhatsApp AI bot for all support (24/7, instant response, no SLA promises that need humans).
Mayar QRIS for all Indonesian payments (subscription auto-renew, no manual invoicing).
Indonesian UI primary — bahasa-first, English fallback only where unavoidable.
Privacy — opt-in only, delete-on-request honored within 24h (cron-driven).
No physical goods, no inventory — digital products + affiliate referrals only.

If the plan above describes any flow that violates these constraints, treat the plan as ASPIRATIONAL only and rework before building. The constraint trifecta wins.

AI ASSISTANT

Ask AI to research, improve, or generate content.

Try: "Research competitors for this niche"

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