The platform outlines how roles are clearly divided between merchants and Xepeng to support compliant, traceable conversion-based transactions.

Bali, Indonesia, January 25, 2026 — Xepeng today detailed its shared responsibility model for conversion-based payments, clarifying which duties rest with merchants and which are managed centrally by the platform to ensure transaction clarity, auditability and operational predictability.

As cross-border digital payment flows expand, ambiguity about who verifies identity, maintains records, or responds to disputes can slow merchant onboarding and increase operational risk. Xepeng’s framework addresses these challenges by defining responsibility boundaries that align with existing business practices and support traceable Rupiah settlements.

“Clear responsibility boundaries are essential for trust,” said Budi Satrya, CMO of Xepeng. “Merchants should know exactly what is expected of them, and platforms and regulators should be able to follow a verifiable trail for every transaction. Our model makes those responsibilities explicit and practical.”

Practical split of duties

Xepeng’s model divides responsibilities into three practical domains: merchant responsibilities (commercial & evidentiary), Xepeng responsibilities (verification, conversion & settlement), and shared duties (communication, dispute escalation and record retention).

Merchant responsibilities (commercial & evidentiary)

• Issue and retain invoices, booking confirmations or order references that document the underlying sale or service.
• Provide requested commercial evidence when disputes arise or when required for reconciliation and tax reporting.

Xepeng responsibilities (verification, conversion & settlement)

• Execute customer identity verification and AML/KYC screening prior to conversion.
• Run platform-level transaction monitoring and risk escalation procedures.
• Perform conversion of validated digital-origin value and settle net proceeds in Indonesian Rupiah (IDR) to the merchant’s registered bank account.
• Supply reconciliation-ready artifacts (transaction reference, timestamps, conversion-window metadata, and settled IDR amounts) suitable for bookkeeping and audits.

Shared duties (communication & dispute handling)

• Maintain documented channels and timelines for dispute escalation and evidence exchange.
• Preserve transaction records and verification logs for audit or lawful requests, consistent with Xepeng’s retention principles.

Why the model matters

For international partners and marketplaces, the framework creates a predictable integration point: external systems can route payments to an endpoint that reliably provides local-currency outcomes and traceable records, reducing onboarding friction and integration risk.

By approaching a shared responsibility model, Xepeng reduces operational burden for merchants while ensuring controls are applied consistently at the platform level. This separation helps merchants preserve familiar accounting and tax workflows (e.g. generate a payment link, attach a commercial reference, and reconcile a Rupiah settlement) without the need to manage digital assets, wallets, or token accounting.

Xepeng aims to promote transparency and reinforce confidence in conversion-based payment models. The framework reflects a compliance-first philosophy, ensuring that innovation in digital payments is matched by clear governance and accountability.

Merchants and potential partners seeking further details on Xepeng’s framework or integration requirements can visit www.xepeng.com or contact hello@xepeng.com.

About Xepeng

Xepeng is a platform that enables Indonesian merchants to receive Rupiah settlements from international digital payment sources. The platform emphasizes verification, traceability and merchant-friendly workflows while handling conversion and settlement mechanics on the backend.

Media Contact

Organization: Xepeng

Contact Person: Budi Satrya

Website: https://xepeng.com/

Email: Send Email

Contact Number: +6287862024247

Address:Jl. Cut Nyak Dien No.1, Renon

Address 2: Denpasar Selatan, Bali

City: Denpasar

State: Bali

Country:Indonesia

Release id:40561

Disclaimer: The information provided is for general informational purposes only and should not be relied upon as legal, compliance, or tax advice. Parties should consult their own advisors regarding applicable requirements.

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