Aspek Hukum Lintas Negara terhadap Kejahatan Keuangan Digital: Studi Kasus Penanggulangan Skema Ponzi Modern

Authors

  • Suto Mediantoro Universitas Krisnadwipayana, Indonesia
  • Yuki Marzuki Universitas Krisnadwipayana, Indonesia
  • Safira Malia Khasanah Universitas Krisnadwipayana, Indonesia
  • Hartanto Universitas Krisnadwipayana, Indonesia

DOI:

https://doi.org/10.57235/jleb.v4i2.8868

Keywords:

Blockchain, Aset Kripto, Skema Ponzi, Hukum Lintas Negara, Penegakan Hukum, FATF

Abstract

Perkembangan teknologi blockchain telah mengubah lanskap perdagangan internasional melalui adopsi aset kripto secara masif. Namun, karakteristiknya yang bersifat anonim dan tanpa batas (borderless) kerap dieksploitasi untuk kejahatan finansial siber, salah satunya adalah skema Ponzi modern. Penelitian ini bertujuan untuk menganalisis modus operandi penipuan berbasis Web3 pada kasus HyperFund/HyperVerse serta mengidentifikasi hambatan yurisdiksi dalam penegakan hukum lintas negara (cross-border enforcement). Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan studi kasus kualitatif deskriptif. Hasil penelitian menunjukkan bahwa HyperFund berhasil mengeksploitasi pasar global melalui manipulasi narasi investasi fiktif seperti Decentralized Finance (DeFi) dan program staking, di mana keuntungan investor lama murni berasal dari perputaran dana anggota baru. Ketika skema ini runtuh, penegakan hukum domestik menghadapi tembok besar berupa keterbatasan yurisdiksi teritorial, taktik pengkaburan aset melalui bursa non-KYC, serta rumitnya birokrasi asset recovery internasional. Meskipun tindakan ekstrateritorial dari otoritas seperti SEC dan DOJ Amerika Serikat efektif menekan aktor utama, penelitian ini menyimpulkan bahwa penanggulangan kejahatan kripto global memerlukan standardisasi regulasi multilateral yang mengikat di bawah pengawasan institusi internasional seperti FATF.

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References

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Published

2026-07-25

How to Cite

Suto Mediantoro, Yuki Marzuki, Safira Malia Khasanah, & Hartanto. (2026). Aspek Hukum Lintas Negara terhadap Kejahatan Keuangan Digital: Studi Kasus Penanggulangan Skema Ponzi Modern. Journal of Law, Education and Business, 4(2), 840–845. https://doi.org/10.57235/jleb.v4i2.8868

Issue

Vol. 4 No. 2 (2026): Oktober 2026

Section

Articles

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Copyright (c) 2026 Suto Mediantoro, Yuki Marzuki, Safira Malia Khasanah, Hartanto

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