<![CDATA[The development of financial technology in Indonesia has given rise to electronic money (e-money) as an alternative payment system that has changed the way people make transactions. However, the rapid growth of e-money has raised legal issues regarding the construction of agreements and the distribution of rights and obligations of the parties, which have not been adequately regulated. This study aims to analyze the civil law aspects of e-money usage agreements and examine the rights and obligations of issuers, users, and merchants in electronic payment systems. The research method uses a normative legal approach with a legislative and conceptual approach, relying on primary legal materials in the form of laws and regulations, as well as secondary legal materials in the form of literature and scientific journals that are analyzed qualitatively. The results of the study show that e-money has unique legal characteristics as a payment instrument with prepaid and stored value properties that create special legal relationships between the parties. The construction of e-money agreements shows a complex trilateral relationship that contains elements of deposit, lending, and power of attorney. The distribution of rights and obligations among the parties still shows an imbalance that is detrimental to users, while consumer protection and dispute resolution mechanisms do not yet provide adequate access to justice. The study concludes that the Indonesian legal system needs to be adjusted by developing more detailed regulations regarding the rights and obligations of the parties, strengthening consumer protection, and creating fair dispute resolution mechanisms to create a healthy and sustainable e-money ecosystem.]]>
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