The platform enables international travellers to use digital assets in Indonesia while ensuring local Rupiah settlement and regulatory alignment.
Denpasar, Bali, Indonesia, 19th Feb 2026 — Travelers arriving in Indonesia, especially in popular destinations like Bali, often face friction when paying for hotels, tours, restaurants, or services. Many prefer using digital instruments for speed and convenience, but local businesses typically require Indonesian Rupiah (IDR). This mismatch creates uncertainty for visitors and operational challenges for merchants.
While digital asset ownership is global, everyday transactions in Indonesia remain denominated in Rupiah, creating a practical gap between how visitors store value and how local commerce operates. Xepeng addresses this gap by enabling a structured, conversion-based flow that allows international visitors to initiate transactions using supported digital instruments while ensuring final settlement occurs in Rupiah within Indonesia’s domestic financial system.
Xepeng further simplifies this experience by providing a single, secure transfer link as the entry point. Tourists simply click the link and complete the transfer using their preferred digital instrument. The process is straightforward: one link, one action, and the transaction is complete.
Behind the scenes, Xepeng handles everything else such as identity verification, risk screening, compliance checks, and conversion, through licensed backend channels. The visitor experiences a seamless digital transfer, while the merchant receives the funds directly in Rupiah to their bank account.
For travellers, the experience is designed to be straightforward. A visitor receives a secure transfer link from a participating business, accesses the link, and completes the transaction using their preferred digital instrument. From the visitor’s perspective, the process requires no additional currency exchange arrangements, local bank accounts, or manual coordination.
For expatriates, remote workers, long-term digital asset holders, and long-stay travellers, the model also provides continuity. Individuals who earn, store, or manage value digitally can complete local spending through a guided flow that ultimately resolves into Rupiah without requiring them to directly navigate local currency exchange processes. Whether paying for rent, services, or daily expenses, they can use their preferred digital instruments through a single transfer link, with funds settled in Rupiah for the recipient.
This approach is especially valuable in Bali’s tourism ecosystem. Tourists booking hotels, villas, tours, or dining experiences can receive a transfer link from the merchant, pay in seconds using their digital instrument, and enjoy their trip without worrying about cash or exchange rates. Merchants receive Rupiah settlements with complete documentation for local accounting. The ability to complete transactions using digital assets, without requiring local currency handling on the visitor’s side, reduces friction in cross-border spending.
Importantly, Xepeng’s framework is not designed to replace Indonesia’s monetary system. Rather, it operates within it. All commercial outcomes remain Rupiah-denominated, ensuring alignment with domestic regulations and preserving clarity for accounting and reporting purposes within Indonesia. The model maintains full regulatory compliance, aligning with Indonesia’s legal tender requirements while giving visitors the flexibility they expect.
As international travel and digital asset usage continue to grow, cross-border payment simplification becomes increasingly important. By focusing on clarity at the entry point and ensuring Rupiah settlement at the conclusion of each transaction, Xepeng offers a practical approach for visitors seeking to use digital instruments responsibly within Indonesia.
International travellers planning a visit to Bali or other parts of Indonesia who are interested in understanding how digital instruments can be used locally can learn more at https://www.xepeng.com or contact hello@xepeng.com for more details and resources.
About Xepeng
Xepeng is a conversion platform tailored for Indonesian merchants to obtain Rupiah from international digital sources. The system integrates identity verification, compliance screening, and backend conversion processes designed to align 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:41628
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