Xepeng Details How Conversions Move From Authentication to Settlement

February 03, 2026 at 07:08 AM EST

The platform highlights its end-to-end conversion flow, from identity checks, risk screening, conversion, to Rupiah settlement, operating as a single, structured process.

Denpasar, Bali, Indonesia, 3rd Feb 2026 — Xepeng today details the end-to-end flow that governs conversion on its platform, explaining how identity verification, payout link initiation, conversion, and Rupiah settlement are structured into a single, traceable lifecycle.

Xepeng’s design treats the conversion lifecycle as a single, traceable process: identity is established first, conversion context is defined at the entry point, compliance checks run during processing, and final settlement is executed in Indonesian Rupiah (IDR) via domestic banking rails.

The flow begins with identity verification, where merchants are onboarded through electronic know-your-customer (e-KYC) procedures. These checks establish verified business identity, ownership information, and supporting documentation before any conversion activity occurs. This initial layer ensures that only validated entities can initiate conversion requests through the platform.

Once a merchant is verified, conversions are initiated through secure payout link creation. Each link is generated with a specific commercial reference, such as an invoice or booking identifier, defining the purpose and scope of the conversion before funds enter the system. This structure provides context at the entry point and prevents unsupported or ambiguous conversion activity.

When a buyer accesses the payout link, Xepeng applies conversion-level screening and validation. Risk indicators, compliance checks, and contextual review are performed before conversion proceeds. These controls operate in conjunction with earlier identity verification, creating continuity between merchant onboarding and conversion execution.

Following successful validation, the platform executes conversion and settlement internally. Any digital instruments used by buyers function solely as conversion inputs. Merchants do not handle, store, or manage digital assets at any stage. Instead, the conversion concludes with settlement in Indonesian Rupiah (IDR), transferred directly to the merchant’s registered bank account through domestic banking rails.

For international platforms and partners, the integrated flow provides a predictable settlement endpoint into Indonesia. Rather than managing fragmented processes across identity, conversions, and currency handling, partners interact with a single structured system where outcomes are standardized and localized.

This end-to-end flow aligns with Indonesia’s regulatory emphasis on transparency, accountability, and Rupiah as the legal tender for domestic transactions. By centralizing verification, conversion, and settlement, Xepeng ensures merchants remain within familiar Rupiah-based systems while accessing international digital value.

Integrators and prospective partners interested in Xepeng can request more information via https://www.xepeng.com or contact Xepeng at hello@xepeng.com.

About Xepeng

Xepeng is a payment conversion platform that enables Indonesian merchants to receive Rupiah from international digital sources. The system integrates secure onboarding, streamlined workflows, and compliance measures.