Below is a comprehensive analysis of Reku (formerly Rekeningku), based on the provided official website (https://www.rekeningku.com/) and the requested criteria, including online complaint information, risk level assessment, website security tools, WHOIS lookup, IP and hosting analysis, social media, red flags, potential risk indicators, website content analysis, regulatory status, user precautions, and potential brand confusion. The analysis draws on available information from the provided search results, web data, and critical evaluation, while avoiding unsupported assumptions.

1. Overview of Reku (Rekeningku) ¶

Reku, previously known as Rekeningku, is an Indonesian cryptocurrency exchange established in 2018. It facilitates the buying, selling, and storing of crypto assets such as Bitcoin, Ethereum, and others. The platform is app-based, offering features like low trading fees (0.1% for Pro Mode, 0% for Lightning Mode), on-chain staking, and investment insights. Reku is regulated by Indonesia’s Commodity Futures Trading Regulatory Agency (Bappebti) and emphasizes transparency, security, and user-friendliness.

2. Online Complaint Information ¶

• Trustpilot Reviews: Rekeningku has a 4-star rating on Trustpilot based on four reviews, indicating a small sample size. Positive reviews praise fast transactions, low fees, and responsive customer service. One user mentioned satisfaction with using Rekeningku to buy Bitcoin for investments, while another highlighted its ease of use for Indonesian users. However, the limited number of reviews makes it difficult to assess widespread user sentiment. Trustpilot notes that Rekeningku may be associated with high-risk investments, a standard disclaimer for crypto platforms.
• Traders Union Complaints: Some users reported issues with Rekeningku, including inability to open trades and dissatisfaction leading to account closures. One reviewer labeled Rekeningku as unregulated “scammers” who took money, though this contrasts with other positive feedback. These complaints suggest potential operational issues but lack detailed evidence.
• Other Sources: No major complaints were found on platforms like Glassdoor (focused on employee reviews) or Scamquery, though the latter encourages users to share experiences to assess trustworthiness. The absence of widespread negative feedback is positive, but the limited volume of reviews warrants caution. Assessment: Mixed feedback exists, with positive reviews outweighing complaints. However, the small sample size and isolated serious allegations (e.g., scamming) suggest users should verify experiences through broader research.

3. Risk Level Assessment ¶

• Traders Union Score: Rekeningku has a Traders Union Overall Score of 3.37/10, indicating higher-than-average risk. This score reflects client reviews and trading conditions, with experts recommending more reliable brokers due to user dissatisfaction.
• Investment Risk: Cryptocurrency trading inherently carries high risk due to market volatility. Rekeningku’s association with high-risk investments, as noted on Trustpilot, aligns with this. The platform’s referral program, offering commissions from invited users’ trades, could incentivize aggressive marketing, potentially misleading novice investors.
• Operational Risk: Complaints about trade execution failures suggest potential platform reliability issues. The lack of passive earning options or training guides may limit its appeal for beginners, increasing risk for inexperienced users. Assessment: Rekeningku presents a moderate-to-high risk profile due to its low trust score, crypto market volatility, and operational complaints. Users should approach with caution, especially if inexperienced.

4. Website Security Tools ¶

• SSL Certificate: Rekeningku uses an SSL certificate issued by Cloudflare, Inc., which encrypts user data. However, as of January 2021, the certificate was expired (valid until July 2021), raising concerns about ongoing maintenance. Current verification is needed to confirm SSL status.
• Security Features: Reku employs cold storage technology for asset security and implements a 24-hour withdrawal delay after password changes or disabling 2-factor authentication to mitigate hacking risks. These are industry-standard practices.
• Bug Bounty Program: Rekeningku participates in a bug bounty program via RedStorm, encouraging ethical hackers to report vulnerabilities. This proactive approach enhances security but excludes denial-of-service (DoS) vulnerabilities from rewards, limiting scope.
• McAfee and WOT Evaluations: McAfee assesses Rekeningku for security threats like pop-ups and trojans, finding no major issues. Web of Trust (WOT) calculates a reputation score based on user ratings and third-party data, confirming Rekeningku as suitable for general use but not specifically for children. Assessment: Rekeningku employs robust security measures, but the expired SSL certificate (as of 2021) and limited bug bounty scope are concerns. Users should verify current SSL status and ensure 2FA is enabled.

5. WHOIS Lookup ¶

• Domain Details:
• Domain Name: rekeningku.com
• Registrar: Name.com, Inc.
• Creation Date: February 6, 2010
• Updated Date: January 15, 2024
• Expiration Date: February 6, 2027
• Registrant: Sumardi, based in Jakarta, Indonesia, at Equity Tower, SCBD.
• Name Servers: kanye.ns.cloudflare.com, megan.ns.cloudflare.com
• DNSSEC: Signed delegation for added security.
• Status: ClientTransferProhibited, preventing unauthorized domain transfers.
• Transparency: The registrant’s identity (Sumardi) is public, which is positive for transparency. However, contact details like phone numbers are non-public, citing privacy laws, which is common but reduces traceability. Assessment: The WHOIS data confirms Rekeningku’s long-standing domain (15+ years) and transparent registrant information, reducing suspicions of a fly-by-night operation. DNSSEC enhances domain security.

6. IP and Hosting Analysis ¶

• Hosting Provider: Rekeningku is hosted by Cloudflare, Inc., a reputable US-based provider known for security and performance.
• Server Location: The server is located in the United States, which may increase latency for Indonesian users. Rekeningku was recommended to migrate servers to Indonesia for faster load times, but no evidence confirms this change.
• IP Resolution: The server IP resolves correctly with an HTTP response code of 200 and a response time of 0.83 seconds, indicating reliable uptime as of July 2022.
• Security: Cloudflare’s infrastructure provides DDoS protection and secure DNS, enhancing Rekeningku’s resilience against cyberattacks. Assessment: Hosting via Cloudflare is a strong point, offering security and reliability. The US-based server location is a minor drawback for Indonesian users but not a significant risk.

7. Social Media Presence ¶

• Activity: Rekeningku (now Reku) maintains social media profiles, though specific platforms (e.g., Twitter, Instagram) are not detailed in the provided data. The lack of major social media complaints is noted as a positive indicator.
• Engagement: No evidence suggests aggressive or misleading social media marketing, unlike some scam platforms that use spam or stolen images. However, the referral program could lead to overly enthusiastic promotions by users seeking commissions.
• Red Flags: No reports of censorship or account bans related to political content, unlike some Chinese platforms (e.g., Xiaohongshu). This suggests Rekeningku’s social media operates without overt manipulation. Assessment: Rekeningku’s social media presence appears legitimate, with no major red flags. Users should verify official accounts to avoid phishing scams impersonating the platform.

8. Red Flags and Potential Risk Indicators ¶

• Regulatory Ambiguity: While Reku is licensed by Bappebti (registration number 006/BAPPEBTI/CP-AK-03-2020), some reviews claim it is unregulated, possibly due to confusion or outdated information. This discrepancy is a minor red flag.
• Limited Reviews: The low volume of user reviews (e.g., four on Trustpilot) limits reliability assessments. Scam platforms often have few or manipulated reviews, though Rekeningku’s reviews appear genuine.
• Referral Program Risks: The referral program, offering commissions for invited users’ trades, could encourage misleading promotions, especially on social media.
• Expired SSL (Historical): The expired SSL certificate in 2021 is a historical red flag, though not necessarily current.
• High-Risk Label: Trustpilot’s high-risk investment warning and Traders Union’s low trust score highlight inherent crypto risks and platform-specific concerns.
• Rebranding Confusion: The transition from Rekeningku to Reku (noted in September 2024) may confuse users, especially if outdated branding persists. Assessment: Several red flags exist, including regulatory ambiguity, limited reviews, and historical SSL issues. While none are definitive proof of illegitimacy, they warrant caution.

9. Website Content Analysis ¶

• Content Quality: The website (rekeningku.com, redirecting to reku.id) provides clear information about services, fees (0.1% trading fee), and features like Lightning and Pro Mode. It emphasizes security (cold storage, 2FA) and regulatory compliance.
• Transparency: Reku discloses its Bappebti license, leadership (co-founders Sumardi, Robby, Jesse Choi), and operational history since 2018. However, the lack of detailed team bios or financial reports limits full transparency.
• Claims Scrutiny: Rekeningku’s claim of processing “1 trillion transactions” was questioned, likely meaning 1 trillion Indonesian Rupiah (~$675 million) in trading volume, which is plausible but requires verification.
• Accessibility: The platform is mobile-friendly, with apps on iOS and Android, and supports English and Indonesian. However, page load speed could be improved, possibly due to US-based servers. Assessment: The website is professional, transparent about key details, and user-friendly. Questionable claims and minor transparency gaps (e.g., team details) are concerns but not critical.

10. Regulatory Status ¶

• Bappebti License: Reku is registered with Bappebti (006/BAPPEBTI/CP-AK-03-2020) and licensed for on-chain staking (001/BAPPEBTI/SP-RL/06/202). This is a significant positive, as Bappebti oversees crypto exchanges in Indonesia.
• US Investors: Rekeningku’s terms do not explicitly prohibit US investors, but US users are advised to verify state-level regulations due to SEC oversight risks.
• Contradictory Claims: Some reviews incorrectly state Rekeningku is unregulated, possibly due to outdated information or misunderstanding Indonesia’s regulatory framework. Assessment: Reku’s Bappebti regulation is a strong indicator of legitimacy in Indonesia. Users outside Indonesia, especially in the US, should confirm local compliance.

11. User Precautions ¶

• Verify Official Channels: Use only the official website (reku.id or rekeningku.com) and verified app stores to avoid phishing scams. Check for HTTPS and valid SSL certificates before entering sensitive data.
• Enable 2FA: Activate two-factor authentication to secure accounts, as Rekeningku supports this feature.
• Research Reviews: Cross-check user experiences on platforms like Trustpilot, Traders Union, or CoinMarketCap, but be wary of overly positive or negative reviews with little detail.
• Understand Risks: Recognize the high volatility of crypto trading and Rekeningku’s moderate risk profile. Start with small investments to test the platform.
• Monitor Withdrawals: Test withdrawals to ensure funds can be accessed, as delays or issues are red flags. Reku claims instant withdrawals in Indonesia, which should be verified.
• Avoid Referral Traps: Be cautious of referral links promising high returns, as they may exaggerate benefits. Assessment: Users can mitigate risks by securing accounts, verifying platform authenticity, and starting with cautious investments.

12. Potential Brand Confusion ¶

• Rebranding (Rekeningku to Reku): The rebranding to Reku, noted in September 2024, may confuse users, especially if older branding (rekeningku.com) persists in marketing or reviews. The website redirects to reku.id, but outdated references could lead to errors.
• Similar Names: No evidence suggests deliberate brand confusion with other platforms, but the generic name “Rekeningku” (Indonesian for “my account”) could be mimicked by fraudulent sites. Users should verify the exact domain (reku.id).
• Phishing Risks: Scam platforms often impersonate legitimate exchanges. Rekeningku’s public WHOIS data and clear branding reduce this risk, but users must avoid unofficial links. Assessment: The rebranding introduces minor confusion, but Reku’s clear domain and regulatory status mitigate risks. Users should stick to official channels.

13. Additional Notes ¶

• Mobile App Security: Reku’s mobile app (version 3.1.12) has a BeVigil security score of 7.3/10 in the finance category, indicating decent but not exceptional security. Users should ensure apps are downloaded from official stores.
• Leadership: Co-founders Sumardi, Robby, and Jesse Choi (Stanford MBA) add credibility, though limited public information about their backgrounds is a minor gap.
• Market Position: Reku is a leading Indonesian exchange with high liquidity, per CoinMarketCap, but its inactivity flag on Cryptowisser (possibly due to rebranding) requires clarification.

14. Conclusion ¶

Reku (Rekeningku) is a legitimate Indonesian cryptocurrency exchange with a Bappebti license, operational since 2018. It offers low fees, robust security features (cold storage, 2FA, bug bounty), and a user-friendly platform. However, several factors warrant caution:

• Strengths: Regulatory compliance, transparent WHOIS, Cloudflare hosting, positive user reviews, and proactive security measures.
• Weaknesses: Limited review volume, historical SSL issues, moderate risk score (3.37/10), operational complaints, and potential rebranding confusion.
• Risk Level: Moderate-to-high due to crypto volatility, platform-specific concerns, and regulatory ambiguity in some reviews. Recommendations for Users:

1. Verify the official website (reku.id) and enable 2FA.
2. Start with small transactions to test reliability.
3. Cross-check reviews and avoid referral link traps.
4. Confirm local regulations, especially for non-Indonesian users.
5. Monitor SSL status and withdrawal performance. While Reku appears trustworthy within Indonesia’s regulatory framework, users should conduct due diligence, particularly given the crypto market’s risks and the platform’s mixed feedback. For further details, visit https://reku.id or check Bappebti’s registry.

Disclaimer: This analysis is based on available data as of April 21, 2025, and reflects a critical evaluation of sources. Cryptocurrency investments carry high risks, and users should consult financial advisors before trading. Always verify current platform status and security measures.