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Title: Xepeng Addresses Challenges of Direct Digital Asset Acceptance in Indonesia

Denpasar, Bali, Indonesia, 25th Feb 2026 — As digital assets gain traction globally, businesses and visitors alike are asking whether merchants in Indonesia can simply accept those instruments directly. The short answer: while demand exists, direct acceptance creates practical, operational and regulatory problems for many Indonesian businesses, and those problems are exactly what Xepeng’s model is designed to avoid.Direct digital-asset acceptance shifts custody, volatility and reporting burdens onto merchants. To accept value denominated in tokens, a business would typically need to operate wallets, manage private keys, track asset prices, and maintain separate accounting and tax treatments. Those requirements run counter to how Indonesian commerce is structured: pricing, invoicing, tax filings and bank reconciliation are all Rupiah-centric. The mismatch creates legal ambiguity and operational friction for merchants, and it introduces uncertainty for customers who expect clear receipts and predictable settlements.Rather than asking merchants to become custodians or accountants for unfamiliar asset classes, Xepeng treats digital instruments as the input to a structured conversion workflow. The instrument a buyer uses to send value is decoupled from what the merchant receives: a Rupiah settlement, delivered through domestic banking rails and documented for standard accounting and audit processes.Key elements of the structured alternative:Identity & onboarding first. Merchants and payout recipients are verified through electronic KYC checks before they can request conversions. That initial verification creates an auditable trust anchor for later activity.Structured entry point. Transactions begin with a generated conversion link tied to an invoice or booking refer...

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