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Title: Xepeng Outlines Shared Responsibility Model with Merchants

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 dutiesXepeng’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-or...

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