2.1 On-Ramp Services (Fiat to Cryptocurrency)

• Supported Fiat Currencies: British Pound (GBP), United States Dollar (USD), Euro (EUR)
• Supported Cryptocurrencies: Tether (USDT), USD Coin (USDC)
• Supported Networks: Ethereum (ERC-20), Polygon, Tron (TRC-20), Solana (SPL)
• Transaction Type: Convert fiat currency into stablecoins and deliver to user-specified wallet address

2.2 Off-Ramp Services (Cryptocurrency to Fiat)

• Supported Cryptocurrencies: Tether (USDT), USD Coin (USDC)
• Supported Networks: Ethereum (ERC-20), Polygon, Tron (TRC-20), Solana (SPL)
• Fiat Settlement: Bank transfer to user-designated beneficiary account
• Geographic Coverage: 130+ countries worldwide

2.3 Services We Do NOT Provide

• Cryptocurrency custody or wallet services
• Investment advice or portfolio management
• Trading or exchange services (we only convert between fiat and stablecoins)
• Cryptocurrency-to-cryptocurrency conversions
• Lending or borrowing services
• Derivative or futures products

3.1 On-Ramp Fees (Fiat → Crypto)

• Service Fee: 0.5% – 1.5% (percentage varies based on transaction volume and tier level)
• Network Fee: Pass-through at cost (varies by blockchain network and current congestion)
• Total Fee Example: For a £10,000 transaction with 1% service fee and £5 network fee: Total cost = £10,105

3.2 Off-Ramp Fees (Crypto → Fiat)

• Service Fee: 1% – 2% (varies based on destination country and transaction volume)
• Banking Fee: Charged by banking partners for international transfers (typically £5–£25)
• Total Fee Example: For 10,000 USDT with 1.5% service fee and £15 banking fee: You receive approximately £7,835 (at 0.80 exchange rate)

3.3 Additional Fees

• Wrong Network Recovery: 5–10% of recovered amount (if recovery is possible)
• Expedited Processing: Available upon request for urgent transactions (fees vary)
• Failed Transaction Refund: Network fees may be deducted from refund amount

3.4 Fee Transparency

We commit to:

• Displaying all fees clearly before transaction confirmation
• Providing a detailed fee breakdown in your transaction receipt
• No hidden fees or undisclosed charges
• Notifying you 30 days in advance of any fee structure changes

4.1 Cryptocurrency Risk Factors

You acknowledge and accept the following risks:

• Price Volatility: Stablecoins may experience price fluctuations and depegging events
• Irreversibility: Cryptocurrency transactions cannot be reversed or cancelled once confirmed on the blockchain
• Technology Risk: Blockchain networks may experience technical issues, bugs, or security vulnerabilities
• Regulatory Risk: Cryptocurrency regulations may change, potentially affecting your ability to use our services
• Counterparty Risk: Stablecoin issuers may face financial difficulties or regulatory action
• Network Risk: Blockchain networks may undergo hard forks, 51% attacks, or other disruptions

4.2 Loss of Funds Risk

You may lose funds if:

• You send cryptocurrency to the wrong address or wrong network
• Your wallet or device is compromised by hackers
• You lose access to your private keys or wallet credentials
• The stablecoin you hold loses its peg or becomes worthless
• A blockchain network experiences a critical failure

5.1 No Deposit Insurance

5.2 Security Measures

While we implement robust security measures including:

• Cold storage for cryptocurrency holdings (95%+ of assets)
• Multi-signature wallets
• Segregated client accounts
• Regular security audits

We cannot guarantee absolute protection against all risks including hacking, fraud, or technical failures.