NINA slumped in the chair, staring at the screen of her smartphone. She had just received an email notifying her that her investment funds had been frozen by the Koin P2P platform. For the past two years, Nina had invested her funds as a lender on Koin P2P, a peer-to-peer lending subsidiary of KoinWorks, a financial technology (fintech) company. “My investment has been frozen unilaterally, amounting to hundreds of millions of rupiah,&r