Terms of Service

By using the Services you accept these terms. If you do not accept them, do not use the Services.

If you use the Services on behalf of a company, you confirm you are authorised to bind it, and “you” means that company.

Where you have signed a separate commercial agreement with us, that agreement governs and these terms fill the gaps.

To be unambiguous about what that means:

• We do not receive, hold, control, transmit or convert funds or digital assets. No customer or end-user funds pass through any bank account, wallet or blockchain address owned or controlled by D0 Labs Inc.
• We do not provide custody. We do not hold, generate or store private keys for user assets, and we cannot access, move, freeze or recover them.
• We are not a counterparty to any payment, deposit, withdrawal, exchange, conversion or transfer made in connection with the Services. Each of those is between the end user, our business customer, and the relevant licensed party.
• We are not a bank, money services business, payment institution, electronic money issuer, exchange, broker, or virtual asset service provider, and we do not hold ourselves out as any of those. Nothing shown in connection with the Services is a deposit, and nothing is protected by a deposit insurance or investor compensation scheme.
• We do not provide regulated financial services. Any payment, exchange, custody or financial service reached through the Services is provided by a licensed party under its own regulatory authorisations, on that party’s own terms.
• Nothing on the site or in the Services is financial, investment, tax or legal advice.

• Each Licensed Party acts under its own licences, registrations and authorisations, and contracts on its own terms with you or with the end user.
• Our software may generate and transmit a payment instruction, display status, and reconcile records. An instruction is not a payment. We do not execute, settle, clear or guarantee any transaction, and we are not responsible for a Licensed Party’s failure to do so.
• Where fiat is converted to or from a digital asset, that conversion is performed by a Licensed Party as principal. We do not act as principal, do not quote as principal, and do not take a position.
• Rates shown through the Services are indicative and are sourced from Licensed Parties or market data. They are not an offer by us.

Affiliates. An affiliate of D0 Labs Inc. may itself be a Licensed Party in a given market. Where that is the case, the affiliate acts in that capacity under its own authorisations and its own terms with you or the end user — separately from, and not as part of, the Services that D0 Labs Inc. provides under these terms.

To use the Services you must be at least 18 and legally able to enter a contract. You must not be a person or entity that is subject to sanctions, or located in or organised under the laws of a sanctioned or restricted jurisdiction. We may decline or withdraw access to anyone, for any market, at any time.

The Services are currently offered in private beta. Access is granted at our discretion. Beta features are provided as-is, may change or be withdrawn without notice, and carry no service level commitment unless we have agreed one with you in writing.

You are responsible for your account credentials and API keys, for everything done using them, and for telling us promptly if they are compromised.

Availability of markets, chains, tokens, currencies and payment methods varies and may change.

You will:

• give us accurate information and keep it current;
• use the Services only for a lawful purpose and only in the way the documentation describes;
• hold every licence, registration and authorisation your own business and market require, and comply with the law that applies to you and to your users — including any restriction on offering your product to users in a given country;
• enter into and maintain your own arrangements with the Licensed Parties your integration relies on, and comply with their terms;
• run the customer due diligence your own regulatory obligations require;
• not describe D0 as the provider of a regulated service, as the holder of funds, or as a party to a transaction, and not otherwise misrepresent your relationship with us.

You will not use the Services for, or in connection with: money laundering or terrorist financing; sanctions evasion; fraud, phishing or theft; unlicensed financial services; the sale of controlled or illegal goods; market manipulation or wash trading; or anything that would breach the law in your market or ours.

Where you serve end users, you are responsible for them — their onboarding, their support, refunds and disputes. Not us.

Screening of transactions, counterparties and end users is carried out by the Licensed Parties under their own obligations. A Licensed Party may delay, decline, reverse or report a transaction, and we have no control over and no liability for that decision.

Separately, we may suspend or terminate your access to the Services, without liability, where we reasonably believe it necessary to comply with law, to meet a Licensed Party’s or regulator’s requirement, to protect the integrity or security of the Services, or because you have breached these terms. Where we lawfully can, we will tell you why. Suspending access to software does not stop, reverse or recover a payment — only a Licensed Party can act on funds.

Fees payable to us are for the licence and use of the Services, and are set out in your commercial agreement with us.

Amounts charged by Licensed Parties — payment and acquiring fees, conversion spreads, network and gas fees, FX charges — are charged by those parties under their own terms and are not our fees, whether or not they are displayed through our software.

You accept that:

• Blockchain transactions are irreversible. A transfer sent to an incorrect address, a wrong network or an unsupported token may be permanently lost, and neither we nor any Licensed Party can recover it.
• Networks may congest, fork, halt or fail. Fees and confirmation times vary.
• Digital assets, including stablecoins, may lose value or lose their peg. We do not guarantee the value, redeemability or continued availability of any asset.
• Smart contracts and third-party protocols may contain vulnerabilities.

The Services connect to Licensed Parties, networks, wallets and other third-party providers. We are not responsible for their acts, omissions, solvency, availability, terms or fees, and we do not guarantee that any of them will accept, process or complete a transaction. Where a third party delivers a service to you or your users, that party’s terms govern it and your recourse is against that party.

We own the Services, the site, and everything in them, including all software, documentation, trademarks and content. We grant you a limited, non-exclusive, non-transferable, revocable right to use them for the purpose of integrating and using the Services. You will not copy, modify, reverse engineer, resell or create derivative works, except where the law says you may.

Any feedback you give us, we may use freely.

The Services are provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, and accuracy of any rate, quote or estimate.

To the fullest extent the law allows:

• We are not liable for indirect, incidental, special, consequential or punitive loss, or for lost profit, revenue, data, goodwill or business opportunity.
• We are not liable for loss of, or failure to receive, any funds or digital asset, or for any act, omission, delay, insolvency or refusal of a Licensed Party or other third party.
• We are not liable for loss caused by blockchain irreversibility, network failure, asset price movement or de-pegging, or your own breach of these terms.
• Our total liability arising out of or in connection with the Services is capped at the greater of the fees you paid us in the three months before the event giving rise to the claim, or USD 100.

Nothing here excludes liability for fraud, or for death or personal injury caused by our negligence, or any other liability that cannot lawfully be excluded.

You will indemnify us against any claim, loss, liability and reasonable cost arising from your use of the Services, your breach of these terms, your violation of law, your arrangements with a Licensed Party, or a claim by one of your end users.

Either of us may stop at any time: you by ceasing to use the Services, us as described in section 7. Sections 2, 3, 9–14 and 17 survive termination.

We may change these terms. The “last updated” date shows when. If a change is material, we will give notice through the Services or by email. Continuing to use the Services after a change means you accept it.

These terms are the entire agreement between us on this subject. If a provision is unenforceable, the rest stands. Our failure to enforce a term is not a waiver. You may not assign these terms without our consent; we may assign them to an affiliate or in connection with a merger or sale.

D0 Labs Inc.
Email: compliance@d0fi.com
Registered office details are available on request.