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Title: Xepeng Outlines Compliance-First Model for Cross-Border Value

Denpasar, Bali, Indonesia, 27th Jan 2026 — As digital payment instruments evolve globally, platforms operating across borders must navigate differences in currency regimes, settlement expectations, and compliance standards. Xepeng’s model addresses these challenges by designing conversion as a controlled, auditable process rather than a direct payment substitution.Cross-border digital payments bring global opportunities to Indonesian businesses, but they must be facilitated in a way that respects Indonesia's currency laws and financial stability objectives. Xepeng positions its platform as a conversion layer, not a payment network that replaces local currency usage. Digital instruments may be used at the point of initiation by international customers, but outcomes are intentionally settled in Indonesian Rupiah (IDR) through domestic banking rails.Xepeng's model is designed with compliance as a foundational principle, ensuring that every transaction adheres to the principle that Rupiah is the sole legal tender for domestic settlements. The platform accepts international digital value sources on the backend and executes conversion to Rupiah before any settlement occurs. This structure ensures that merchants receive funds exclusively in Rupiah directly into their bank accounts, eliminating any requirement for merchants to hold, manage, or transact digital assets.Xepeng's compliance-first architecture includes multiple layers of controls:Identity verification and risk screening of counterparties.Invoice or booking validation to confirm legitimate commercial purpose.Counterparty screening against watchlists and adverse media.Auditable records and traceability from initiation to settlement.Monitoring and escalation procedures for suspicious activity.These measures are coordin...

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