These Terms and Conditions ("Terms") govern access to and use of the website and/or services at xepeng.com. By accessing any page of the website or using the services provided by xepeng.com, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Xepeng provides a Platform that allows Merchants to create transfer links and Buyers to send Digital Assets from wallets (e.g., MetaMask) across supported chains (Polygon, BSC, Ethereum, etc.), including bridge-in/out, verification, and conversion to IDR for settlement to Merchant bank accounts.
Xepeng is a facilitator of crypto-to-fiat transfers — it is not an exchanger, bank, or investment provider. If custodial services are offered separately, a separate custodian agreement will apply.
Xepeng determines which cryptocurrencies and networks are supported, the minimum confirmation counts, and other technical transaction parameters.
Merchants must provide truthful, complete, and verifiable information (e.g., owner/director ID or passport, NPWP, corporate documents, bank account) and must update Xepeng when information changes.
Merchants must ensure their business is legitimate, lawful, and consistent with the Platform's initial verification. Merchants must comply with all applicable laws and regulations.
Merchant duties include, but are not limited to:
If a Buyer raises a claim or dispute, Xepeng may place funds on hold until the matter is resolved or investigated. If Xepeng has initial evidence of fraud or misuse, Xepeng may require the Merchant to compensate losses without waiting for a prolonged investigation.
Merchants must indemnify and hold Xepeng harmless against claims, losses, and expenses (including legal fees) arising from false Merchant data, Merchant fraud, breach of obligations, or using services for illegal activities.
Transaction fee tiers (settlement timing indicated):
Blockchain network fees (gas) and partner fees may apply separately and will be disclosed before transaction confirmation.
Xepeng may delay or hold settlement if there are risk indicators, compliance requirements, regulator requests, or force majeure events.
Xepeng operates in compliance with applicable Indonesian law, including:
To mitigate money laundering and terrorism financing risks (AML/CFT), Xepeng performs identity verification (KYC/KYB), sanctions/PEP screening, and transaction monitoring as required by law and internal policy.
Failure to provide requested documents may lead to suspension or termination of services.
Users consent to limited data sharing with liquidity partners, compliance partners, banks, and/or regulators when needed for processing or legal compliance.
The Platform must not be used for money laundering, terrorism financing, fraud, trading illegal goods/services (drugs, weapons), child pornography, Ponzi/pyramid schemes, unlicensed trading, or any unlawful activity.
Merchants may not lend or transfer virtual accounts (VA) or Xepeng payment methods to third parties.
Xepeng may reject, delay, or remove transactions and suspend accounts when suspicious or non-compliant activity is detected.
Acting as a broker or exchanger of crypto assets outside Xepeng's permitted role is prohibited.
Xepeng collects Merchant data such as address, national ID, NPWP, KITAS/KITAP, SIUP, and TDP.
Merchants agree that Xepeng may share necessary data with liquidity partners, compliance partners, and banks for conversion, settlement, and compliance purposes.
Data processing is governed by Xepeng's Privacy Policy and complies with Law No. 27 of 2022 on Personal Data Protection (PDP Law).
All content on Xepeng's site (text, graphics, logos, software, API documentation) is protected by intellectual property rights owned by Xepeng unless stated otherwise. Users receive a limited, non-exclusive license to use content solely in connection with the Platform.
Copying, distributing, modifying, or using Xepeng content for commercial purposes without written permission is prohibited.
Users acknowledge inherent risks in crypto transactions, including price volatility, delayed or failed network confirmations, technical issues (forks/reorgs), and potential loss of wallet access.
Blockchain-level transactions are final once the required confirmations are achieved; Xepeng cannot reverse valid on-chain transactions.
Xepeng does not guarantee quality of goods or services paid through transfer links; disputes over goods/services must be resolved between Merchant and Buyer. Refund obligations are limited to situations specifically agreed upon.
To the fullest extent permitted by law, Xepeng is not liable for indirect losses, lost profits, special, or consequential damages arising from use of the Platform.
Xepeng's direct liability to Users is limited to the fees Users paid to Xepeng in the prior 12 months, except where law provides otherwise (e.g., gross negligence or criminal acts).
Xepeng acts only as a facilitator of crypto-to-fiat transfers and does not control Merchant conduct. Xepeng is not responsible for refunds if products or services fail to meet expectations. Users are advised to perform due diligence.
Xepeng is not responsible for users or merchants conducting illegal or unlicensed trading or business. Activities deemed fraudulent by Xepeng will be treated as unlawful.
Xepeng is not liable for blockchain network disruptions or transaction delays.
Xepeng may suspend or close accounts in cases of:
Users agree to defend, indemnify, and hold Xepeng and its affiliates, officers, employees, and agents harmless from any claims, losses, costs, or expenses arising from breaches of these Terms, illegal use of the Services, or third-party claims resulting from User actions.
Xepeng is not liable for failures or delays caused by events beyond its reasonable control (force majeure), including but not limited to blockchain network interruptions, natural disasters, power/telecom outages, regulatory actions, war, or large-scale cyberattacks.
These Terms are governed by the laws of the Republic of Indonesia.
Parties will attempt to resolve disputes amicably. If amicable settlement fails, parties may pursue mediation, arbitration, or litigation in the competent Indonesian court or forum as provided by Xepeng and applicable law.
Xepeng may modify, supplement, or update these Terms at any time. Changes take effect once published on the Platform, and continued use of the services constitutes acceptance of the updated Terms.
All official notices under these Terms should be sent to:
Email: support@xepeng.com