package.json ×

plan.md

# rpindo.com — Rp 100rb tahun 2010 = berapa di 2026? rpindo jawab + analisis.

> Rupiah inflation + buying-power calculator + Indonesian-personal-finance utility

## §1 The Wedge

Indonesian personal finance utility yang ada (Karir.com calculator, Cermati) fokus ke produk-jualan (kredit, asuransi). Hampir tidak ada utility tool yang fokus: inflation calculator, KPR amortization detailed, biaya hidup kota-kota Indonesia, target dana pensiun. rpindo.com: collection 12-15 Indonesian-finance utility, no ads, no signup, just calculator.

## §2 Money Stack

- **Tier Gratis:** semua utility
- **Tier Pro · Rp 9.000/bulan:** export PDF + scenario save + email alert ("inflasi bulan ini naik 0.2%, target pensiun adjust")
- **Affiliate (subtle):** "Kalau mau invest auto sesuai target, lihat Bibit/Bareksa (link)"

**Target MRR tahun 1: Rp 8-20 juta/bulan.**

## §3 Acquisition triple-stack

1. SEO: "kalkulator KPR", "inflasi rupiah", "biaya hidup di Jakarta vs Bandung"
2. Embeddable widget — blogger/financial-influencer can embed calculator
3. Linkedin organic untuk financial advisor

## §4 AI automation map

- BPS inflation data scraper (monthly) + projection — rule + Gemini Flash
- Cost-of-living per kota — Workers AI summarize
- Calculator description in Bahasa simple — Gemini Flash

## §5 Cloudflare architecture

Worker (utility logic) + D1 (BPS inflation cache, city cost data) + KV (hot calc results)

## §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

Utility focus, no sales pitch. Become bookmark for personal-finance pros. Embed widget = backlink farm.

## §8 Standards

- 100% Cloudflare worker-cf
- Indonesian-language UI primary
- Privacy: opt-in only, data delete-on-request
- Data source must be official (BPS, BI, OJK). Annual update cycle.

## §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

rpindo.com — Rp 100rb tahun 2010 = berapa di 2026? rpindo jawab + analisis.

Rupiah inflation + buying-power calculator + Indonesian-personal-finance utility

§1 The Wedge

§2 Money Stack

Tier Gratis: semua utility
Tier Pro · Rp 9.000/bulan: export PDF + scenario save + email alert ("inflasi bulan ini naik 0.2%, target pensiun adjust")
Affiliate (subtle): "Kalau mau invest auto sesuai target, lihat Bibit/Bareksa (link)"

Target MRR tahun 1: Rp 8-20 juta/bulan.

§3 Acquisition triple-stack

SEO: "kalkulator KPR", "inflasi rupiah", "biaya hidup di Jakarta vs Bandung"
Embeddable widget — blogger/financial-influencer can embed calculator
Linkedin organic untuk financial advisor

§4 AI automation map

BPS inflation data scraper (monthly) + projection — rule + Gemini Flash
Cost-of-living per kota — Workers AI summarize
Calculator description in Bahasa simple — Gemini Flash

§5 Cloudflare architecture

Worker (utility logic) + D1 (BPS inflation cache, city cost data) + KV (hot calc results)

§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

Utility focus, no sales pitch. Become bookmark for personal-finance pros. Embed widget = backlink farm.

§8 Standards

100% Cloudflare worker-cf
Indonesian-language UI primary
Privacy: opt-in only, data delete-on-request
Data source must be official (BPS, BI, OJK). Annual update cycle.

§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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