Software for work that has to be right.
Kaibre is a software company. We build our own products, we build products with partners, and we take on a small number of commissioned systems — all of it in production, all of it still ours to run.
- Products
- Software we own and operate
- Partnerships
- Products built with domain partners
- Commissioned
- Production systems built by request
A new regulation arrives. Tuntas works out what it changes.
Tuntas reads a new Indonesian financial regulation against a company's own SOPs, policies, agreements and terms, and returns the position obligation by obligation — what changed, what it means here, what is missing, what has to be revised, who owns it, and by when. Every conclusion points to the article and the document it rests on.
- Obligation by obligation
- Each obligation of the new regulation beside the provision it replaces, with a conclusion and its reason.
- It asks rather than guesses
- Where the evidence is not in the documents, it names the document it needs and says why.
- The judgment stays with Compliance
- The officer reviews every conclusion and decides. Nothing closes on a click.
Tuntas is an analysis tool. It does not certify compliance and it does not give legal advice.
Kewajiban (peraturan baru)
Penyelenggara wajib memastikan anggota Direksi dan anggota Dewan Komisaris memiliki sertifikat kompetensi kerja dari lembaga sertifikasi profesi di bidang teknologi finansial yang terdaftar di Otoritas Jasa Keuangan.
POJK 40/2024 · Ps. 51 (1)
Aturan lama (POJK 10/2022, dicabut)
Berubah — kewajiban ini sudah ada, isinya berubah. Rumusan lama membebankan kewajiban langsung kepada tiap pengurus; rumusan baru menempatkan Penyelenggara sebagai pihak yang wajib memastikan.
POJK 10/2022 · Ps. 16 (1)
Belum dipenuhi.
Dasar kesimpulan
- Memo SDM Sertifikasi (2025) mencantumkan masa berlaku sertifikat Komisaris Utama dan Komisaris Independen sampai 22 Agustus 2025 dan Direktur Teknologi sampai 9 Maret 2026; tidak ada dokumen yang diserahkan yang membuktikan perpanjangan setelah tanggal-tanggal tersebut.
- Register Kepatuhan (2025) baris R-06 sendiri menandai status kewajiban ini sebagai Sebagian.
- Kesenjangan bukti perpanjangan bersifat terbukti dari dokumen internal, bukan sekadar ketiadaan informasi.
Dokumen perusahaan yang diperiksa untuk kesimpulan ini:
- Memo SDM Sertifikasi (2025)
- Register Kepatuhan (2025)
- Struktur Organisasi (2026)
Yang perlu dilakukan perusahaan
Memutakhirkan memo status sertifikasi, menyelesaikan perpanjangan yang tertunda, dan menetapkan pemantauan masa berlaku dalam kalender kepatuhan dengan pengingat sebelum jatuh tempo.
Usulan unit pelaksana: Divisi SDM & Umum dengan pemantauan Divisi Kepatuhan & Legal (perusahaan yang menentukan — usulan ini terbuka didiskusikan).
TuntasIlustrasi
Expert judgment, spent on volume.
Something valuable depends on a person's judgment — an assessor's, an operator's, a closer's — and most of their day goes to the volume around it. We build the system that carries the volume.
Volume arrives
Hundreds of documents, calls, or records — all of it needing attention.
The system carries it
Reads, checks, classifies, and prepares, consistently and at pace.
A person decides
The judgment that carries consequence stays with the person.
Walking a site against a regulatory standard, then writing it up. Working a list to find the few conversations worth having. Holding thousands of records accurate when each one carries money.
Where a wrong record is an event, not a support ticket.
Kaibre built the production software a luxury-commerce business runs on: individual products valued from approximately US$10,000 to US$500,000, across a catalogue worth tens of millions of dollars.
At those values accuracy is not a quality-of-life feature. A record that is wrong, stale, or mispriced is a commercial event. The system is live in commercial use, and Kaibre continues to support and operate it — the same people who designed it.
- Individual product value
- $10k – $500k
- Catalogue value
- Tens of millions
- Status
- Live
Client and implementation details are withheld under confidentiality.
Read the full snapshotSoftware we own and operate.
Three products in market, built on the same discipline. Each one keeps a person in the decision.
Tuntas
Regulatory change, obligation by obligation.
Tuntas reads a new Indonesian financial regulation against a company's own documents and returns the position on every obligation — what changed, what is missing, what has to be revised, and by when.
OJK · Diterima 14 Agustus 2026
POJK 40 Tahun 2024: Layanan Pendanaan Bersama Berbasis Teknologi Informasi
Menggantikan POJK 10/POJK.05/2022. Penggantian menyeluruh rezim LPBBTI (P2P lending), dianalisis terhadap 18 dokumen perusahaan.
- 49 kewajiban belum Anda tinjau
- 4 tenggat sudah lewat
- Tenggat berikutnya 10 September 2026
Written for Indonesian financial institutionsBaca dalam Bahasa Indonesia
Product screens. No real customer, engagement or campaign appears in any of them.
Some organisations have one workflow that carries the business.
When it matters more than the rest of the business combined and nothing on the market fits it, that is the kind of system we take on and then keep running.
We build the system, put it into production, and keep operating it. The people who designed it are the ones running it a year later.
A good fit
- The workflow is central to how the business makes money.
- It is expensive because it depends on people who are hard to replace.
- Being wrong has a real financial, regulatory, or reputational cost.
Not a fit
- Topping up an existing team with engineers.
- Executing a specification someone else has already written.
- Building the cheapest possible version of something.
Founder-led, and still running what we built.
The person you talk to first is the person responsible for the work, and the people who designed a system are the ones operating it a year later. That is the arrangement, not an upsell.
- Registered
- Abu Dhabi, UAE
- Working across
- UAE, Indonesia, Canada, United States
- Systems in production
- Built, operated, and supported by us
Tell us about the work.
If something in your operation is expensive, slow, and important, describe it in a paragraph. It reaches the person who would be responsible for building it.