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Title: Xepeng Details How Conversions Move From Authentication to Settlement

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 buye...

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