The Bank considers that Bitcoin can be used, traded, or stored as an asset or a form of digital commodities by the public, but may not be used as a means of payment because the only legal means of payment is the Rupiah (Dollar, Yen, Bitcoin not allowed) . The use and possession of Bitcoin are the personal responsibility of each user. People are encouraged to be careful of Bitcoin and other virtual currency. Any risk associated with the ownership / use of Bitcoin is borne solely by Bitcoin owners / users and other virtual currency. So I do not think banks will accept bitcoin as a valid payment instrument. And bitcoin does not need that.