The platform underlines the minimal actions for merchants in conversions, emphasizing no need for digital asset management or custody.
Denpasar, Bali, Indonesia, 9th Jan 2026 — As digital assets open new revenue channels, many merchants want to accept them, but worry about custody, keys, and accounting. Xepeng removes that barrier: merchants simply generate a payment link and provide a transaction reference, while Xepeng handles verification, conversion, and delivers clean Rupiah settlements.
In Xepeng’s model, merchants engage in a simplified workflow that prioritizes ease and compliance. The process begins with the generation of a secure payment link, which merchants share with buyers. This link serves as the entry point for the transaction, allowing customers to initiate payments from their digital sources.
Merchants then provide invoice or booking references to validate the commercial purpose of the transaction. These references ensure the conversion is tied to a legitimate business activity, such as a sale or service agreement. Xepeng coordinates the backend verification and conversion through licensed partners, delivering the final settlement in Rupiah directly to the merchant’s bank account.
Under this operational scope, merchants are not required to maintain digital asset wallets or custody tools. There is no need to manage private keys or crypto exchange accounts, as Xepeng handles all digital mechanics. Merchants also avoid tracking token prices or performing crypto accounting, keeping their financial processes aligned with standard Rupiah-based systems.
Minimal merchant actions are central to Xepeng’s design: link generation and reference provision. These steps integrate seamlessly into daily workflows, requiring no specialized knowledge of digital assets or conversions. The result is a transaction environment where merchants benefit from expanded payment accessibility while staying within familiar Rupiah frameworks.
Key aspects of the no custody requirement include:
- Simple generation of payment links for customer use.
- Provision of invoice or booking references for validation.
- No digital asset custody, storage, or management needed.
- Support for standard invoicing and financial reporting processes.
What merchants will not need to do under Xepeng’s model further underscores the platform’s merchant-centric philosophy. Merchants are not required to open or maintain digital-asset wallets, hold private keys or manage custody solutions, monitor token prices or perform crypto accounting, or operate exchange accounts or handle crypto conversions themselves. This absence of requirements shields merchants from volatility risks and operational burdens associated with direct asset involvement.
By design, Xepeng’s framework promotes reverse trust, where the platform assumes the responsibility for secure handling. This allows merchants to prioritize customer service and business growth, knowing that conversions are managed compliantly on the backend.
Indonesia’s financial regulations encourage solutions that maintain Rupiah as the core of domestic transactions. Xepeng’s no custody model aligns with this by ensuring merchants remain in a bank-native environment, supporting local economic stability.
As digital payment options expand, features like no asset custody help platforms like Xepeng provide accessible tools for merchants. The emphasis on minimal actions reflects a commitment to efficiency in an evolving landscape.
Merchants interested in exploring Xepeng’s no custody model and its features can visit https://www.xepeng.com for further resources.
About Xepeng
Xepeng develops a conversion platform tailored for Indonesian merchants to secure Rupiah from international digital sources. The system integrates efficient processing, robust verification, and full alignment with local financial standards.
Media Contact
Organization: Xepeng
Contact Person: Budi Satrya
Website: https://xepeng.com/
Email: Send Email
Contact Number: +6287862024247
Address:Jl. Cut Nyak Dien No.1, Renon
Address 2: Denpasar Selatan, Bali
City: Denpasar
State: Bali
Country:Indonesia
Release id:40001
Disclaimer: This press release is for informational purposes only and does not constitute financial, legal, or regulatory advice.
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