Pertanggungjawaban Bank Terhadap Dugaan Transaksi Investasi Kripto Ilegal Nasabah Berdasarkan Know Your Customer’s Customer
DOI:
https://doi.org/10.29313/bcsls.v6i2.23865Keywords:
Bank legal liability; Illegal cryptocurrency investment; Know Your CustomerAbstract
This study aims to examine the forms of banks' legal liability concerning customer transactions allegedly involved in illegal cryptocurrency investments and to analyze the implementation of the Know Your Customer’s Customer (KYCC) principle by banks in preventing customer transactions from being associated with illegal crypto asset investments. This research employs a normative legal research method using both statutory and conceptual approaches. The legal sources consist of primary legal materials, including regulations governing the banking sector, anti-money laundering, and crypto asset trading, as well as secondary legal materials comprising books, scholarly journals, and other relevant legal literature. The data were analyzed qualitatively through the interpretation and harmonization of legal provisions related to banks' legal liability and the implementation of customer due diligence principles. The findings indicate that legal liability for customer transactions involving illegal cryptocurrency investments rests with the party responsible for conducting the unlawful activities. Banks are obligated to protect customers and prevent the misuse of the banking system. Weak implementation of the Know Your Customer (KYC) principle reflects deficiencies in banks' internal control systems, while the application of the KYCC principle can strengthen transaction monitoring and risk mitigation. Strengthening both KYC and KYCC is essential to maintaining the integrity and stability of the banking system. The implementation of KYC by Bank BCA and Bank Mandiri has not yet been fully optimized, as suspicious transaction patterns should be identified and monitored in accordance with Financial Services Authority Regulation (POJK) Number 8 of 2023.
References
Asia, B. C. (2024). PT Bank Central Asia’s Anti-Money Laundering, Counter-Terrorist Financing, and Counter-Proliferation Financing of Weapons of Mass Destruction (AML-CFT and CPF) Policy Statement. PT Bank Central Asia Tbk.
Bahri, S. (2025). Lagi, Bareskrim Tangkap Pelaku Penipuan Saham Kripto JYPRX, SYIPC, dan LEEDSX. Rakyat Merdeka.
Baihaqqy, M. R. I. (2020). Bank dan Lembaga Keuangan. CV Amerta Media.
Eka, O. T. (2018). Prinsip Mengenal Nasabah, Penerapan, Prinsip Kehati-hatian, Lembaga Perbankan. In Perkembangan Hukum di Indonesia (pp. 140–147).
Fitriyani, N. (2021). Penerapan Prinsip Mengenal Nasabah pada Bank Perkreditan Rakyat Berdasarkan PBI Nomor 12/20/PBI/2010. Dialogia Iuridica, 12(2).
Force, F. A. T. (2023). International Standards on Combating Money Laundering and the Financing of Terrorism & Proliferation. FATF.
Fuady, M. (2013). Perbuatan Melawan Hukum Pendekatan Kontemporer (4th ed.). PT Citra Aditya Bakti.
Ghozi, A. (2022). The Urgency of Electronic Know Your Customer (E-KYC): How Electronic Customer Identification Works to Prevent Money Laundering in the Fintech Industry. Diponegoro Law Review, 7(1).
Haryani, E. B. S. (2023). Hukum Investasi Indonesia. Eureka Media Aksara.
Hasanudin, G. et al. (2025). Implementasi Know Your Customer (KYC) sebagai Upaya Pencegahan Tindak Pidana Pencucian Uang di Industri Perbankan Indonesia. Ekonomi Keuangan Syariah Dan Akuntansi Pajak, 2(1).
Hidayat, S. et al. (2023). Pertanggungjawaban Pegawai Bank dalam Perkara Tindak Pidana Pencucian Uang. Halu Oleo Legal Research, 5.
Indonesia, I. B. (2021). Manajemen Risiko Perbankan. Gramedia Pustaka Utama.
Lestari, R., & Santoso, B. (2024). Enhanced Due Diligence dalam Pencegahan Tindak Pidana Pencucian Uang di Perbankan Digital. Jurnal Hukum Ekonomi Dan Keuangan, 5(2).
Meiryani. (2024). Prevention and Control of Money Laundering Crimes on Know Your Customer Principles Application: Empirical Study of Indonesia Banking Sector. Journal of Money Laundering Control, 27(5).
Nuraini, R. W. (2024). Mekanisme Pencegahan Tindak Pidana Pencucian Uang Berbasis Know Your Customer (KYC) dalam Implikasi dan Resolusi Hukum Perbankan. Jurnal Inovasi Hukum Dan Kebijakan, 5(4).
Peraturan Badan Pengawas Perdagangan Berjangka Komoditi Nomor 3 Tahun 2024 Tentang Penyelenggaraan Perdagangan Pasar Fisik Aset Kripto (2024).
Peraturan Otoritas Jasa Keuangan Nomor 8 Tahun 2023 Tentang Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, Dan Pencegahan Pendanaan Proliferasi Senjata Pemusnah Massal Di Sektor Jasa Keuangan (2023).
Saputra, T. T., & Sulistiyono, A. (2024). Upaya Hukum Perlindungan Investor dari Potensi Risiko Investasi Cryptocurrency di Indonesia. Gema Keadilan, 11(1).
Silalahi, B. B. S., & Novita, Y. D. (2025). Aspek Hukum dalam Penerapan Prinsip Know Your Customer (KYC) pada Lembaga Perbankan. Media Hukum Indonesia, 2(6).
Syaeh, M. T. et al. (2025). Urgensi Standardisasi End User License Agreement (EULA) Guna Menjamin Perlindungan Hukum bagi Investor Cryptocurrency di Indonesia. Jurnal BATAVIA, 2(1).
Usanti, T. P., & Somad, A. (2016). Hukum Perbankan. Kencana Prenada Media Group.
Watkan, F. X., & Toha, M. (2023). Pencegahan Tindak Pidana Pencucian Uang Melalui Penerapan Customer Due Diligence oleh Lembaga Perbankan di Indonesia. Jurnal Hukum Ius Publicum, 4.
