What a NEF needs before anyone else can open it
Nikon writes NEF as a TIFF-based container holding sensor data, a JPEG preview, and a set of maker notes that vary by model and by compression setting. That is why NEF support is uneven: a viewer that handles a D750 file can fail on a newer body that uses high-efficiency compression. LibRaw tracks those variants, and it is the decoder running inside this page.
Converting here instead of uploading means a 30 MB wedding frame never crosses the network. Our own measurement on a 26 megapixel file is roughly two to three seconds; a 45 megapixel frame takes noticeably longer and asks for more memory.