//Path: docs/guides/country_and_currencies.md
Countries & Currencies - BRDZ Global Coverage
BRDZ SDK provides comprehensive payment processing and financial services across 6 strategic markets, supporting native currencies and local payment preferences. This guide covers all supported countries, their currencies, and regional configurations.
🗺️ Supported Countries Overview
| Country | Code | Currency | Status | Regional Hub | Time Zone |
|---|---|---|---|---|---|
| Indonesia | ID | IDR | ✅ Production Ready | Southeast Asia | UTC+7 (WIB) |
| Singapore | SG | SGD | ✅ Production Ready | Southeast Asia | UTC+8 (SGT) |
| Australia | AU | AUD | ✅ Production Ready | Oceania | UTC+10 (AEST) |
| India | IN | INR | ✅ Production Ready | South Asia | UTC+5:30 (IST) |
| Vietnam | VN | VND | ✅ Production Ready | Southeast Asia | UTC+7 (ICT) |
| United States | US | USD | ✅ Production Ready | North America | UTC-5 to UTC-8 |
Total Coverage: 6 countries spanning 4 continents with over 2.1 billion people
💰 Currency Specifications
Indonesian Rupiah (IDR)
Currency Details:
- Symbol: RP
- Code: IDR
- Decimals: 2
- Subunit: Sen (1/100)
- Typical Range: RP 10,000 - RP 10,000,000
Regional Context:
- Central Bank: Bank Indonesia (BI)
- Primary Use: Indonesia domestic transactions
- Digital Payment: GoPay, OVO, DANA, ShopeePay
- Banking: BCA, Mandiri, BRI, BNI
SDK Examples:
// IDR transaction example
const amount = 2500000.00; // RP 2.5 million
const fee = 75000.00; // RP 75,000 (3%)
const net = 2425000.00; // RP 2,425,000
Singapore Dollar (SGD)
Currency Details:
- Symbol: S$
- Code: SGD
- Decimals: 2
- Subunit: Cent (1/100)
- Typical Range: S$10 - S$10,000
Regional Context:
- Central Bank: Monetary Authority of Singapore (MAS)
- Primary Use: Singapore domestic transactions
- Digital Payment: PayNow, GrabPay, PayLah!
- Banking: DBS, OCBC, UOB
SDK Examples:
// SGD transaction example
const amount = 150.00; // S$150
const fee = 4.50; // S$4.50 (3%)
const net = 145.50; // S$145.50
Australian Dollar (AUD)
Currency Details:
- Symbol: A$
- Code: AUD
- Decimals: 2
- Subunit: Cent (1/100)
- Typical Range: A$10 - A$10,000
Regional Context:
- Central Bank: Reserve Bank of Australia (RBA)
- Primary Use: Australia domestic transactions
- Digital Payment: PayID, Apple Pay, Google Pay
- Banking: Commonwealth Bank, ANZ, Westpac, NAB
SDK Examples:
// AUD transaction example
const amount = 200.00; // A$200
const fee = 6.00; // A$6.00 (3%)
const net = 194.00; // A$194.00
Indian Rupee (INR)
Currency Details:
- Symbol: ₹
- Code: INR
- Decimals: 2
- Subunit: Paisa (1/100)
- Typical Range: ₹1,000 - ₹1,000,000
Regional Context:
- Central Bank: Reserve Bank of India (RBI)
- Primary Use: India domestic transactions
- Digital Payment: UPI, Paytm, PhonePe, Google Pay
- Banking: SBI, HDFC, ICICI, Axis Bank
SDK Examples:
// INR transaction example
const amount = 15000.00; // ₹15,000
const fee = 450.00; // ₹450 (3%)
const net = 14550.00; // ₹14,550
Vietnamese Dong (VND)
Currency Details:
- Symbol: ₫
- Code: VND
- Decimals: 0
- Subunit: None (smallest unit)
- Typical Range: ₫100,000 - ₫100,000,000
Regional Context:
- Central Bank: State Bank of Vietnam (SBV)
- Primary Use: Vietnam domestic transactions
- Digital Payment: MoMo, ZaloPay, ViettelPay
- Banking: Vietcombank, BIDV, VietinBank, Techcombank
SDK Examples:
// VND transaction example
const amount = 5000000; // ₫5 million (no decimals)
const fee = 150000; // ₫150,000 (3%)
const net = 4850000; // ₫4,850,000
United States Dollar (USD)
Currency Details:
- Symbol: $
- Code: USD
- Decimals: 2
- Subunit: Cent (1/100)
- Typical Range: $10 - $10,000
Regional Context:
- Central Bank: Federal Reserve (Fed)
- Primary Use: US domestic & international transactions
- Digital Payment: Apple Pay, Google Pay, PayPal, Venmo
- Banking: JPMorgan Chase, Bank of America, Wells Fargo, Citibank
SDK Examples:
// USD transaction example
const amount = 100.00; // $100
const fee = 3.00; // $3.00 (3%)
const net = 97.00; // $97.00
🌏 Regional Coverage Details
Southeast Asia Hub
Countries: Indonesia, Singapore, Vietnam Combined Population: ~370 million Key Markets:
- Indonesia: Largest population, growing digital economy
- Singapore: Financial hub, high GDP per capita
- Vietnam: Manufacturing base, young population
Payment Preferences:
- Mobile wallets dominate
- QR code payments popular
- Bank transfer preferred for large amounts
- Cash still significant in rural areas
South Asia Hub
Countries: India Population: ~1.4 billion Key Market Features:
- UPI Revolution: World's largest real-time payment system
- Digital-first: Massive smartphone adoption
- Financial Inclusion: Government-led initiatives
Payment Preferences:
- UPI payments dominant
- Mobile wallets growing
- Digital banking preferred
- Rural areas increasingly digital
Oceania Hub
Countries: Australia Population: ~26 million Key Market Features:
- High Income: Developed economy
- Cashless Society: Leading in contactless payments
- Regulatory Mature: Strong financial regulations
Payment Preferences:
- Card payments dominant
- Contactless preferred
- Digital banking standard
- Mobile payments growing
North America Hub
Countries: United States Population: ~331 million Key Market Features:
- Reserve Currency: USD global standard
- Innovation Leader: Fintech hub
- Diverse Market: Multiple payment preferences
Payment Preferences:
- Credit cards dominant
- Digital wallets growing
- ACH for large transactions
- Crypto adoption increasing
🔄 Currency Operations
Exchange Rates & Conversion
For real-time exchange rates and currency conversion operations, refer to the FX Module Documentation.
Available Operations:
- Real-time rate lookup
- Multi-currency conversion
- Cross-border transaction simulation
- Historical rate data
Example:
// Get current IDR to USD rate
const fx = await brdzSDK.fx;
const rate = await fx.getRate('IDR', 'USD');
// Convert IDR to USDC to USD
const conversion = await fx.convertAll('IDR', 'USD', 2500000);
Supported Currency Pairs
| Base Currency | Target Currencies | Use Case |
|---|---|---|
| IDR | USD, SGD, AUD | Indonesia to global |
| SGD | USD, IDR, AUD | Singapore regional |
| AUD | USD, SGD, IDR | Australia to Asia |
| INR | USD, SGD | India to global |
| VND | USD, SGD | Vietnam to global |
| USD | All currencies | Global standard |
💳 Payment Method Integration
Visa Card Processing
BRDZ supports Visa card processing across all currencies. For detailed implementation, see Visa API Documentation.
Multi-Currency Examples:
// Process IDR payment
const idrPayment = await visa.checkoutCC({
card_number: "4111111111111111",
expiry_date: "1225",
amount: 2500000.00,
currency_code: "IDR"
});
// Process SGD payment
const sgdPayment = await visa.checkoutCC({
card_number: "4111111111111111",
expiry_date: "1225",
amount: 150.00,
currency_code: "SGD"
});
Local Payment Methods
| Country | Local Methods | Integration Status |
|---|---|---|
| Indonesia | GoPay, OVO, DANA | 🚧 Planned |
| Singapore | PayNow, GrabPay | 🚧 Planned |
| Australia | PayID, BPAY | 🚧 Planned |
| India | UPI, Paytm | 🚧 Planned |
| Vietnam | MoMo, ZaloPay | 🚧 Planned |
| United States | ACH, Wire | ✅ Available |
🛠 SDK Integration Examples
Country-Specific Configuration
import brdzSDK from '@anantla/brdz-sdk';
// Configure SDK with country preference
const config = await brdzSDK.config;
config.setBaseUrl('https://api.brdz.link/api');
config.setApiKey('your_api_key_here');
// Country-specific wallet operations
const users = await brdzSDK.users;
// Get country list
const countries = await users.getCountryList();
// Register user with country
const auth = await brdzSDK.auth;
const user = await auth.registerUser({
email: 'user@example.com',
username: 'newuser',
country_code: 'ID', // Indonesia
phone: '+628123456789'
});
Multi-Currency Wallet Management
// Create wallets for different currencies
const wallet = await brdzSDK.wallet;
// IDR wallet for Indonesia
const idrWallet = await wallet.addWallet({
currency: 'IDR',
name: 'Indonesia Wallet',
type: 'primary'
});
// SGD wallet for Singapore
const sgdWallet = await wallet.addWallet({
currency: 'SGD',
name: 'Singapore Wallet',
type: 'secondary'
});
// Check multi-currency balance
const balance = await wallet.getBalance();
console.log('Multi-currency balance:', balance);
Cross-Border Transactions
// Cross-border transfer from Indonesia to Singapore
const transactions = await brdzSDK.transactions;
const transfer = await transactions.transferCrossborder({
from_wallet_id: idrWallet.id,
to_country: 'SG',
amount: 2500000, // IDR
currency: 'IDR'
});
// Automatic conversion: IDR → USD → SGD
console.log('Transfer initiated:', transfer);
📊 Market Insights
Economic Indicators
| Country | GDP (2024) | GDP Per Capita | Currency Stability |
|---|---|---|---|
| Indonesia | $1.4T | $5,100 | Moderate |
| Singapore | $400B | $65,000 | High |
| Australia | $1.6T | $62,000 | High |
| India | $3.9T | $2,800 | Moderate |
| Vietnam | $430B | $4,400 | Moderate |
| United States | $27T | $81,000 | High |
Digital Payment Adoption
| Country | Cashless % | Mobile Wallet % | Card Payment % |
|---|---|---|---|
| Indonesia | 47% | 89% | 23% |
| Singapore | 95% | 78% | 85% |
| Australia | 92% | 45% | 88% |
| India | 78% | 92% | 34% |
| Vietnam | 52% | 73% | 31% |
| United States | 89% | 67% | 79% |
Regulatory Environment
| Country | Central Bank | CBDC Status | Crypto Regulation |
|---|---|---|---|
| Indonesia | Bank Indonesia | Pilot Phase | Restricted |
| Singapore | MAS | Research | Regulated |
| Australia | RBA | Research | Progressive |
| India | RBI | Pilot Phase | Regulated |
| Vietnam | SBV | Research | Restricted |
| United States | Federal Reserve | Research | Evolving |
⚠️ Important Considerations
Compliance Requirements
Know Your Customer (KYC):
- All countries require identity verification
- Document requirements vary by jurisdiction
- Enhanced due diligence for high-value transactions
Anti-Money Laundering (AML):
- Transaction monitoring across all currencies
- Suspicious activity reporting
- Source of funds verification
Data Protection:
- GDPR compliance for global operations
- Local data residency requirements
- Privacy regulations by country
Operational Notes
Transaction Limits:
- Daily limits vary by country and currency
- KYC level determines transaction capacity
- Cross-border transfers may have additional restrictions
Settlement Times:
- Domestic transactions: Real-time to 24 hours
- Cross-border transfers: 1-3 business days
- Cryptocurrency settlements: 10 minutes to 1 hour
Holiday Schedules:
- Banking holidays affect settlement times
- Regional festivals impact operations
- 24/7 cryptocurrency operations available
Support Coverage
Business Hours by Region:
- Southeast Asia: UTC+7/8 (9 AM - 6 PM)
- South Asia: UTC+5:30 (9 AM - 6 PM)
- Oceania: UTC+10 (9 AM - 6 PM)
- North America: UTC-5 to UTC-8 (9 AM - 6 PM)
Emergency Support: Available 24/7 for critical payment issues
🔗 Related Documentation
- USDC and Chains - Blockchain networks and USDC operations
- FX Module - Exchange rates and currency conversion
- Visa API - Credit card processing across currencies
- Wallet Management - Multi-currency wallet operations
- Transactions - Transaction and transfers
For technical support and integration assistance, contact support@anantla.org or visit the BRDZ Contact Form.