The platform details why a conversion-first structure offers a practical, compliant path for using digital assets in an economy built on Rupiah

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 reference. That link anchors the commercial purpose before any conversion activity proceeds.
• Layered screening. Counterparty screening, risk indicators and contextual reviews are applied to incoming conversion requests so suspicious or high-risk flows can be paused or escalated.
• Backend conversion & Rupiah settlement. Any digital instruments used by buyers are handled through monitored backend channels; merchants receive cleared IDR to their registered bank accounts.
• Auditability & cooperation. Records are retained to support lawful requests, disputes and reconciliation without requiring merchants to maintain parallel crypto records.

Xepeng’s framework is intentionally conservative: it does not position digital instruments as replacements for Rupiah in domestic commerce. Instead, it offers a practical bridge that respects Indonesia’s monetary framework while enabling cross-border interaction. That stance reduces exposure for merchants, increases transparency for authorities, and creates a predictable user experience for international customers.

As global digital value usage grows, structured approaches that centralize verification, screening and conversion will likely become an essential option for markets that prioritize a single legal tender. Xepeng’s model demonstrates how thoughtful design can balance innovation with local financial stability and merchant protection.

For more information about Xepeng’s structured processing framework and how it applies to tourism and cross-border commerce, visit https://www.xepeng.com or contact hello@xepeng.com.

About Xepeng

Xepeng is a conversion platform that connects international digital instruments to Indonesia’s Rupiah-based financial system. The platform combines secure onboarding, compliance screening, backend conversion and domestic settlement to enable predictable, audit-ready outcomes for local businesses.

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:41894

The post Xepeng Addresses Challenges of Direct Digital Asset Acceptance in Indonesia appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section

• Gregory Mikolay, a Senior Oracle Developer based in Salt Lake City, Utah, outlines what individuals should expect over the next year across Oracle PL/SQL development, SQL performance tuning, and enterprise database operations.

Utah, US, 25th February 2026, ZEX PR WIRE, Gregory Mikolay, Senior Oracle Developer and Oracle database consultant focused on PL/SQL development and performance tuning, is sharing a practical one-year outlook for individuals working in Oracle database development, application tuning, and enterprise reporting environments.

Gregory Mikolay’s outlook is shaped by more than two decades in IT and a career spent inside high-demand transactional systems, data warehouse environments, and reporting stacks that span Oracle EBS tooling and related enterprise workflows. Over the next year, he expects the work to keep moving toward higher urgency, higher scrutiny on performance, and faster cycles of change inside organizations.

I have embarked on several Career Paths throughout my life.
Looking to become an integral part of a team of individuals involved in all areas of development, from designing applications to troubleshooting database applications and software.

What changed recently

Across enterprise environments, the day-to-day expectations around database work have tightened. The technical bar remains high, but the bigger shift is operational: data sets are larger, systems are pushed harder, teams are more distributed, and the tolerance for slowdowns is lower.

Gregory Mikolay’s recent consulting work at Elite Data Partners has centered on PL/SQL development and database and application performance tuning for clients, often in hybrid settings. His prior role at Young Living Essential Oils combined Agile development with an on-call support model for promotions, requiring rapid context switching between planned work and urgent delivery support.

Position required one’s ability to switch between a market/customer ad hoc/on call support model for promotions and agile for development tasks.

What people are getting wrong

Gregory Mikolay sees individuals underestimate how much performance work is now a full-time mindset, not a periodic cleanup. Many treat tuning as something you do only when a system is already strained. In practice, tuning starts earlier: with table designs, table relationships, application interactions with database objects, query design, indexing optimization strategies, package design, and an ongoing habit of validating how changes behave under load.

He also sees individuals over-focus on tools and under-focus on fundamentals: clean SQL, readable PL/SQL, careful use of triggers, and clear documentation that survives team handoffs. In environments where business needs and technical constraints collide, long-term reliability often depends on consistency and communication, not clever shortcuts.

Known for precision and persistence, Gregory brings deep technical fluency to every project, often serving as a critical link between engineering teams and business units.

What is likely to get harder next year

Gregory Mikolay expects pressure to increase in four areas:

1. Faster turnaround demands for production support and ad hoc needs

2. Higher expectations for cross-team coordination across remote and offshore structures

3. More attention to performance and data integrity alignment with business requirements

4. Less tolerance for fragile fixes that do not scale

The strongest contributors will be those who can move between building and stabilizing. That includes the ability to tune SQL and PL/SQL, partner effectively with DBAs, and balance performance gains against real constraints like load, memory, and disk parameters.

Additional tasks required performance tuning of PL/SQL programs, SQL queries, creating indexes and working with DBA’s on database performance tuning measures balancing performance with resources/load/memory/disk parameters.

What will work

Mikolay expects the most durable approach to be practical, repeatable habits:

• Treat performance as a design requirement, not a rescue task

• Build change discipline around packages, procedures, functions, and triggers

• Invest in collaboration habits that hold up in hybrid and distributed teams

• Keep documentation and technical design artifacts current

• Stay fluent across the stack you support, including reporting and ETL where relevant

His experience spans transactional systems support, data warehouse ETL development on Oracle 19c, 12g, 11g, Oracle Reports and Discoverer environments, and enterprise support structures that connect IT delivery to business needs.

Data points from Gregory Mikolay’s background

These figures reflect the operating realities that shape Gregory Mikolay’s outlook:

• 20+ years in the IT industry

• Consulting at Elite Data Partners since June 2022 (3 years 9 months)

• Young Living Essential Oils role: Feb 2018 to May 2022 (4 years 4 months)

• Crown Point Ecology contract: Jan 2016 to Feb 2018 (2 years 2 months)

• Signet Jewelers role: Jan 2013 to Jan 2016 (3 years 1 month)

• Fox Chapel Area High School graduation: 1986

• Associate’s Degree completion: 1999, summa cum laude, with a 4.0 grade

Three scenarios for the next 12 months and the best individual actions

Optimistic scenario

Workflows stabilize. Teams get clearer on ownership. Performance work is planned earlier and executed more consistently.

Best individual actions:

• Standardize a personal checklist for SQL and PL/SQL review before deployment

• Build a repeatable approach to indexing strategy and query validation

• Maintain a living library of patterns for packages, procedures, and common tuning fixes

Realistic scenario

Demand remains high. Priorities shift often. Support work and development work keep colliding, especially around promotions, reporting, and peak operational windows.

Best individual actions:

• Practice fast context switching with a tight note-taking and handoff routine

• Keep tuning skills sharp by regularly reviewing execution plans and query behavior

• Strengthen working relationships with DBAs and adjacent teams to shorten diagnosis time

Cautious scenario

More unplanned work lands in production. Systems run closer to the edge. Teams are stretched, and small inefficiencies create outsized disruption.

Best individual actions:

• Focus on stability first: simplify brittle SQL, use effective PL/SQL code, reduce unnecessary complexity

• Create rollback-aware deployment habits and clear validation steps

• Push for documentation discipline so fixes do not disappear with team changes

Readers can choose a scenario, optimistic, realistic, or cautious, and commit to the matching steps for the next 12 months. Start with the checklist and habits that fit your environment, then make them routine. The work compounds over time, especially in performance tuning and enterprise database support.

About Gregory Mikolay

Gregory Mikolay is a Senior Oracle Developer and Oracle database consultant based in Salt Lake City, Utah. He focuses on Oracle PL/SQL development, SQL performance tuning, and enterprise database support and optimization, with experience across transactional systems, data warehouse ETL work, and reporting environments.

Guavas Finance establishes new UK invoice finance standard with 180-second expert response and 24-48 hour funding. The Business Moneyfacts award winner outperforms competitors’ week-long timelines, delivering £250M to UK SMEs since 2023.

United Kingdom, 25th Feb 2026 — Guavas Finance has established a new UK invoice finance industry standard, connecting businesses with qualified finance experts within 180 seconds of enquiry and delivering funding decisions within 24-48 hours. The service benchmark dramatically outperforms the market average of 2-4 days for initial responses and 5-7 days for invoice finance approvals.

The speed advantage has positioned Guavas Finance as the leading invoice finance broker for UK SMEs requiring urgent working capital access. Since launching in 2023, the company has delivered over £250 million in invoice finance and business funding through its network of 50+ UK lenders, with most clients receiving expert consultation within three minutes of initial contact.

180-Second Response Disrupts UK Invoice Finance Market

While traditional invoice finance providers respond to enquiries within 2-4 business days, Guavas Finance has built its competitive advantage on immediate human engagement. When a business owner submits an invoice finance enquiry, a qualified finance expert contacts them within 180 seconds during business hours.

“UK business owners are shocked when their phone rings two minutes after submitting an enquiry,” said Chris Dolan, Commercial Finance Director at Guavas Finance. “They’ve experienced the industry standard: automated emails, callback requests, or week-long silences. When someone needs invoice finance, they need an expert immediately, not days later.”

This immediate engagement allows Guavas Finance to assess requirements in real-time, match clients with appropriate lenders from its 50+ panel, and begin application processing during the initial call. The result: invoice finance decisions in 24-48 hours instead of 5-7 days.

24-48 Hour Invoice Finance Decisions vs Week-Long Industry Waits

Traditional UK invoice finance timelines create operational challenges for SMEs facing immediate capital requirements. Recruitment agencies need funds for Friday payroll. Construction companies require supplier payments to maintain project momentum. Healthcare providers must bridge NHS payment gaps without disrupting operations.

Guavas Finance’s 24-48 hour timeline addresses this market failure directly. From initial enquiry to invoice finance approval, the company compresses what traditionally takes 5-7 business days into 1-2 days through technology-enabled processing and streamlined lender relationships.

“The difference between 24-48 hours and 5-7 days isn’t convenience—it’s whether a business seizes an opportunity or watches it disappear,” said Ben van Rooyen, CEO and Founder of Guavas Finance. “We’ve funded recruitment agencies hours before payroll deadlines and construction companies the day before critical supplier payments. That speed creates outcomes competitors cannot match.”

The company’s technology platform automates document collection, credit assessment, and lender matching, reducing processing time by 70% compared to traditional methods. However, human expertise ensures optimal invoice finance structuring for each sector.

Expert Invoice Finance Consultation Within Minutes

The 180-second response reflects Guavas Finance’s commitment to combining technology with personalized service. Each enquiry connects businesses with specialists who understand sector-specific invoice finance challenges and can structure solutions during real-time conversations.

“A recruitment agency has different invoice finance requirements than a construction company,” Dolan explained. “Our specialists understand these distinctions immediately. Within that first call, we’re identifying which lenders fit their situation, what documentation is required, and what timeline is realistic.”

This expertise proves valuable for businesses new to invoice finance. Many UK SMEs delay growth because they lack understanding of invoice finance structures. The immediate expert consultation educates business owners while simultaneously assessing their funding requirements.

Award Recognition Validates Speed-Focused Invoice Finance Approach

Guavas Finance’s “Invoice Finance Broker of the Year” win at the 2025 Business Moneyfacts Awards, followed by 2026 finalist status, validates the company’s speed-focused service model. The awards recognize brokers delivering exceptional outcomes in UK business finance.

“Winning in 2025 and being a finalist in 2026 proves speed doesn’t compromise quality,” van Rooyen noted. “Our clients value rapid response and funding, but also expertise, transparency, and optimal lender matching.”

The company specializes in sectors where invoice finance speed creates competitive advantage: recruitment agencies managing weekly payroll against 30-60 day payment terms, construction companies navigating retention schedules, healthcare providers addressing NHS payment cycles, and professional services firms with project-based billing patterns.

UK Invoice Finance Market Demands Faster Access

UK businesses have over £50 billion tied up in outstanding invoices, representing massive working capital opportunity. The UK invoice finance market represents approximately £20 billion annually, yet penetration remains below 15% of eligible businesses.

“When business owners wait days for responses and weeks for invoice finance decisions, they return to expensive overdrafts or delay growth,” Dolan said. “Our 180-second response and 24-48 hour decisions remove those friction points.”

£250 Million Delivered Through Speed-Focused Model

Since 2023, Guavas Finance has delivered over £250 million in invoice finance and business funding to UK SMEs. The company’s repeat business rate exceeds 65%, indicating businesses value both initial speed and ongoing service quality.

“Our fastest invoice finance decision took 19 hours from enquiry to approval,” van Rooyen recalled. “The client submitted Monday afternoon, spoke with our specialist within two minutes, uploaded documents via our platform, and received approval Tuesday morning. That’s the standard we’re building—same-day decisions for straightforward applications.”

About Guavas Finance

Guavas Finance is a London-based invoice finance broker named “Invoice Finance Broker of the Year” at the 2025 Business Moneyfacts Awards and a 2026 finalist. Founded in 2023, the company has delivered over £250 million in invoice finance and business funding to UK SMEs through its 180-second expert response standard and 24-48 hour decisions. With 50+ leading UK lenders, Guavas Finance specializes in recruitment, construction, healthcare, and professional services.

Media Contact

Organization: Guavas Finance

Contact Person: Chris Dolan

Website: https://guavas.co.uk

Email: Send Email

Contact Number: +441992918010

Country:United Kingdom

Release id:41865

The post Guavas Finance Sets The Standard For Invoice Finance and Funding For UK Businesses appeared first on King Newswire. This content is provided by a third-party source.. King Newswire makes no warranties or representations in connection with it. King Newswire is a press release distribution agency and does not endorse or verify the claims made in this release. If you have any complaints or copyright concerns related to this article, please contact the company listed in the ‘Media Contact’ section