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Title: Xepeng Streamlines Merchant Workflow in Conversion-Based Payments

Denpasar, Bali, Indonesia, 21st Jan 2026 — Xepeng today published a detailed account of the merchant workflow for conversion-based payments, demonstrating how the platform reduces operational burden for Indonesian businesses while preserving auditability and regulatory traceability.As cross-border digital payments grow, merchants often face uncertainty about what new systems will require from them. Xepeng’s design philosophy is to keep merchant actions simple and aligned with existing financial and accounting processes. The result: merchants can accept international digital payment sources without taking on custody, exchange monitoring, or additional accounting complexity.“Merchants should be able to capture international demand without changing how they run their business,” said Penke Pancapuri, CEO of Xepeng. “We designed a single, predictable workflow so merchants focus on service while Xepeng handles verification, conversion and settlement.”Xepeng’s published workflow reduces merchant involvement to a few simple steps that fit into current operations:Create a payment linkMerchants generate a secure payment link from their dashboard or API and attach an invoice or booking reference.Share the link with the buyerThe buyer pays using their preferred digital instrument (stablecoin).Confirm commercial evidenceMerchants retain the invoice/booking record and provide it if required for dispute resolution.Reconcile Rupiah settlementMerchants receive a Rupiah settlement for bookkeeping and audits.These minimal steps preserve existing merchant processes (invoicing, receipts, tax reporting) while enabling access to international payment flows.While merchants maintain only the commercial leg, Xepeng centrally handles the regulatory, technical and settlement components:identity ve...

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