I am with Crowdo Indonesia.
My average IDR is around 1SGD = 10,421 IDR for Crowdo and Koinworks.
Today, 1SGD = 10,262 IDR, hence i have gained around 1.5%.
Currency gain is just a bonus to me. I started Indonesia accounts because their interest return in IDR P2P average around 16% net. And for Koinworks, every delay comes with late payment penalty. Have a look at these pictures where i earned net 1.56% with 7days late payment penalty.
In Koinworks account, my total late payment penalty summed up to around IDR 2mil for Jan - Sept period. Thats around sgd200. :)