Wallet Of Indivara (WOI) is an electronic money service organized by PT Indivara Sejahtera Sukses Makmur (ISSM), which has the same function as cash as a legal means of payment, where the value is equivalent to the value of cash deposited in advance into an account. WOI and money deposited are not in the nature of deposits as stipulated in banking laws and regulations and therefore WOI does not provide interest and is not guaranteed by the Deposit Insurance Corporation.