# PINA

**Source:** https://geo.sig.ai/brands/pina  
**Vertical:** Finance  
**Subcategory:** General  
**Tier:** Emerging  
**Website:** pina.id  
**Last Updated:** 2026-04-14

## Summary

Jakarta wealth management platform integrating savings, investments, and BPJS for Indonesian middle class; YC-backed $3M positioning as Wealthfront of Indonesia competing with Bibit and Pluang for retail investment adoption.

## Company Overview

PINA is a Jakarta-based digital wealth management platform providing Indonesia's growing middle and upper-middle class with integrated personal finance management — combining savings, investment products (mutual funds, stocks, gold), BPJS (Indonesia's mandatory national social insurance programs), and AI-powered financial planning in a single consumer application. Founded in 2021 and backed by Y Combinator with $3 million raised from Vibe Capital and XA Network, PINA positions as the "Wealthfront of Indonesia," simplifying wealth accumulation for the Indonesian consumer market where retail investment participation has historically been low relative to income levels.

PINA's unified platform addresses the fragmentation of Indonesian personal finance: most Indonesians manage savings (through BRI, BCA, Mandiri bank accounts), investments (through separate OJK-regulated securities apps), and mandatory BPJS contributions through entirely separate apps and interfaces — creating a fragmented picture of personal financial health. PINA aggregates these into a single dashboard with financial planning recommendations calibrated to Indonesian income levels, financial goals (homeownership, education, retirement), and the specific regulated products available in Indonesia. The BPJS integration (both BPJS Kesehatan health insurance and BPJS Ketenagakerjaan employment insurance) is distinctly Indonesian and addresses a critical administrative burden that no global wealth app serves.

In 2025, PINA competes in the Indonesian digital wealth management market with Bibit (mutual fund investment, part of GoTo ecosystem), Pluang (multi-asset investment, $55M raised), and StashAway (Singapore robo-advisor) for Indonesian retail investment adoption. Indonesia has 280+ million people with a rapidly growing middle class but historically less than 3% formal investment participation — versus 50%+ of US adults who invest. OJK (Indonesia's financial regulator) has progressively enabled digital financial services, creating regulatory tailwind. Y Combinator backing provides fintech community credibility for institutional partnerships. The 2025 strategy focuses on deepening investment product options, building AI-powered personalized financial advice, and growing the member benefits ecosystem (career coaching, community events) that differentiates PINA from pure investment apps.

## Frequently Asked Questions

### What is PINA?
PINA is a Jakarta-based wealth management platform founded in 2021 that positions itself as the 'WealthFront of Indonesia.' The platform simplifies complicated financial decisions by offering products and advice for managing personal finances, savings, and investments.

### What products and services does PINA offer?
PINA offers wealth management and financial planning services that enable users to manage personal finances, create or join savings and investment plans, and decide on investment assets. The platform integrates savings, BPJS, and investments for a comprehensive financial picture, and also provides exclusive member services including career coaching and events.

### Who is PINA's target market?
PINA serves Indonesia's growing middle-to-upper class market. The platform focuses on Indonesian consumers seeking personal finance management and wealth management solutions.

### When was PINA founded?
PINA was founded in 2021. The company was part of Y Combinator's Winter 2022 (W22) batch.

### Where is PINA based?
PINA is based in Jakarta, Indonesia.

### How much funding has PINA raised?
PINA has raised $3 million in funding over 2 rounds, with the first round occurring on September 28, 2021. The funding came from 10 investors including Y Combinator, Vibe Capital, and XA Network.

### How large is PINA's team?
PINA has a team of 25 employees.

### What is PINA's approach to wealth management?
PINA makes complicated financial decisions simple and relevant by integrating multiple financial tools into one platform. The platform combines savings, BPJS, and investments to provide users with a comprehensive financial picture.

### Who founded PINA?
PINA was founded by Hendry Chou, Christian Hermawan, Fajar Kuntoro, and Daniel van Leeuwen.

### What are PINA's future plans?
PINA plans to focus on user acquisition, enhancement of advisory features, and expansion of exclusive member services including career coaching and events.

## Tags

b2c, fintech, mobile-first, asia-pacific, startup

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*