> For the complete documentation index, see [llms.txt](https://krimkopi.gitbook.io/krimkopi-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://krimkopi.gitbook.io/krimkopi-docs/readme.md).

# MT103 & SWIFT Knowledge Base

> Fondasi riset dan konten untuk [**krimkopi.my.id**](https://krimkopi.my.id) — portal berita update MT103 dan SWIFT dalam Bahasa Indonesia. Dibaca santai sambil ngopi, isinya serius. ☕

Repositori ini berbeda riset mendalam tentang **SWIFT network**, **pesan MT103**, **migrasi ISO 20022**, **SWIFT gpi**, hingga **pola penipuan berkedok MT103** — lengkap dengan sumber resmi yang bisa diverifikasi.

## 📚 Daftar Artikel

| #  | Artikel                                                                               | Ringkasan                                                                                                                  |
| -- | ------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------- |
| 01 | [Apa Itu SWIFT?](/krimkopi-docs/articles/01-apa-itu-swift.md)                         | Jaringan messaging, bukan sistem pembayaran. Sejarah, skala, dan posisinya dalam ekosistem global                          |
| 02 | [Apa Itu MT103?](/krimkopi-docs/articles/02-apa-itu-mt103.md)                         | Single Customer Credit Transfer — pesan transfer dana nasabah lintas negara paling terkenal (dan paling sering dipalsukan) |
| 03 | [Anatomi Pesan MT103](/krimkopi-docs/articles/03-anatomi-mt103.md)                    | Bedah field-per-field: :20:, :32A:, :50a:, :59a:, :70:, :71A:, UETR — plus contoh struktur pesan                           |
| 04 | [MT103 vs MT202 vs pacs.008](/krimkopi-docs/articles/04-mt103-vs-mt202-vs-pacs008.md) | Perbandingan pesan transfer, metode serial vs cover payment, dan era pascamigrasi                                          |
| 05 | [UETR & SWIFT gpi](/krimkopi-docs/articles/05-uetr-swift-gpi.md)                      | Global Payments Innovation, pelacakan end-to-end, stop & recall, dan peran UETR                                            |
| 06 | [Migrasi ISO 20022](/krimkopi-docs/articles/06-migrasi-iso-20022.md))                 | Dari MT ke MX/CBPR+: kenapa, timeline, apa yang berubah sejak November 2025                                                |
| 07 | [Pola Penipuan MT103](/krimkopi-docs/articles/07-mt103-scam.md)                       | Modus "soft copy MT103", pre-advise, IPIP/IPID, dana titipan, BEC — dan red flags-nya                                      |
| 08 | [Cara Verifikasi MT103](/krimkopi-docs/articles/08-verifikasi-mt103.md)               | Langkah validasi dokumen klaim transfer + apa yang harus dilakukan korban penipuan di Indonesia                            |
| 09 | [FAQ MT103 & SWIFT](/krimkopi-docs/articles/09-faq-mt103.md)                          | Pertanyaan paling sering: bisa dibatalkan? berapa lama? kenapa tertahan?                                                   |
| 10 | [Glosarium](/krimkopi-docs/articles/10-glosarium.md)                                  | Istilah A–Z: BIC, NOSTRO/VOSTRO, UETR, correspondent bank, cut-off, SHA/OUR/BEN, dll                                       |
| 11 | [Kalender Update SWIFT](/krimkopi-docs/articles/11-kalender-update-swift.md)          | Siklus Standards Release, CSP attestation, dan cara memantau update resmi                                                  |

Data sumber terstruktur: `data/sources.json`

## ⚠️ Disclaimer

* Repositori ini adalah **materi edukasi dan riset**, bukan nasihat keuangan, hukum, atau nasihat resmi dari SWIFT scrl.
* SWIFT adalah merek dagang terdaftar milik **S.W\.I.F.T. scrl**. Repositori ini tidak berafiliasi dengan SWIFT.
* Angka statistik ditandai sebagai aproksimasi bila pembulatan dilakukan — selalu rujuk sumber primer untuk angka pasti.
* Untuk kasus transaksi nyata: **verifikasi selalu langsung ke bank Anda**. Dana dikatakan masuk hanya jika muncul sebagai credit di rekening penerima — bukan karena ada PDF "MT103 copy".

## 📅 Tanggal peninjauan riset

28 Agustus 2026 (WIB). Fakta pasca-November 2025 (pensiun MT kategori 1, 2, 9 untuk cross-border di FIN) sudah termasuk dalam cakupan.

## 📄 Lisensi

Konten dilisensikan di bawah CC BY-SA 4.0 — silakan kutip dan remix dengan atribusi ke `krimkopi.my.id`.

## 🤝 Kontribusi

Temukan kekeliruan atau punya sumber resmi tambahan? Baca [CONTRIBUTING.md](/krimkopi-docs/contributing.md) lalu buka issue/PR. Koreksi yang menyertakan sumber resmi sangat welcome.


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