Terms of Service

These Terms of Service ("Terms") govern your access to and use of the services, software, and websites (collectively, the "Services") provided by Qrypt Inc. ("Qrypt," "we," "us," or "our"). By accessing or using our Services you agree to be bound by these Terms. If you do not agree, do not use the Services.

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Dashboard before the changes take effect. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms.

Last updated: February 2026

To use the Services you must be at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are using the Services on behalf of a business, you represent that you have the authority to bind that entity to these Terms.

As part of registration you must provide accurate, current, and complete information including your legal name, business details, email address, and any other information required during the Know Your Business (KYB) verification process. You agree to promptly update your information if it changes.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@qryptpay.com if you suspect unauthorized access. We are not liable for any loss resulting from unauthorized use of your account.

Qrypt provides a crypto payment processing platform that enables merchants to accept stablecoin payments (including USDC, USDB, PYUSD, and EURC) on supported blockchain networks (Solana, Base, and Ethereum). When a customer makes a payment, Qrypt converts the stablecoin to fiat currency and deposits certified funds into your designated bank account.

The Services include, but are not limited to:

• Creation and management of Payment Links
• Stablecoin-to-fiat conversion and settlement to your bank account
• A merchant Dashboard for analytics, transaction history, and account management
• Email notification integrations for payment events
• API access for programmatic integration (when available)

Qrypt does not provide custody of cryptocurrency on your behalf. All incoming stablecoins are converted and settled to fiat in accordance with your settlement schedule.

Qrypt charges a per-transaction fee as a percentage of the converted fiat amount. Current fee schedules are available in the Dashboard and may be updated with prior notice. We do not charge monthly minimums or setup fees.

Exchange rates are locked at the moment a customer initiates payment, protecting both parties from price fluctuations during the transaction window. The locked rate is displayed to the customer before they confirm payment.

Settlement is processed on your chosen schedule (daily, weekly, or on-demand). Funds are deposited via ACH (US) or SEPA (EU) bank transfer. Settlement timing depends on your bank and transfer method — typically 1–3 business days for ACH and 1–3 business days for SEPA.

You are solely responsible for any tax obligations arising from payments received through the Services, including income tax, sales tax, VAT, and any reporting requirements in your jurisdiction.

To receive settlement payouts you must link at least one bank account. You represent and warrant that you are the authorized owner or signatory on any connected bank account and that the account is held at a regulated financial institution.

Qrypt monitors connected accounts as part of its Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) compliance program. We reserve the right to delay or withhold settlement if we detect suspicious activity, pending further review.

You are responsible for ensuring your bank account details are accurate and up to date. Qrypt is not liable for settlement delays or losses resulting from incorrect bank information.

You agree to use the Services only for lawful purposes. The following activities are strictly prohibited:

• Any activity that violates applicable laws or regulations, including anti-money laundering, sanctions, and export control laws
• Fraud, misrepresentation, or deceptive business practices
• Transactions involving illegal goods or services, including controlled substances, unlicensed firearms, or stolen property
• Sale of adult content, gambling services (unless properly licensed), or multi-level marketing schemes
• Attempting to reverse-engineer, decompile, or circumvent any security measures of the Services
• Using the Services to facilitate transactions in or with prohibited jurisdictions
• Interfering with the operation of the Services or other users' access

We reserve the right to suspend or terminate your account immediately if we reasonably believe you are engaged in prohibited activity.

Either party may terminate this agreement at any time. You may close your account by contacting support@qryptpay.com. Upon closure, any pending settlements will be processed and delivered to your connected bank account.

We may suspend or terminate your account immediately and without prior notice if:

• We suspect a violation of these Terms or applicable law
• We are required to do so by a regulatory body or law enforcement
• Your account has been inactive for more than 12 months with no connected bank account
• We detect suspicious or potentially fraudulent activity

We will make reasonable efforts to notify you of any suspension or termination and the reasons for it, unless prohibited by law.

While Qrypt primarily processes stablecoins (which are designed to maintain a stable value relative to fiat currencies), you acknowledge and accept the following risks:

• Stablecoin risk — Stablecoins are not legal tender and their value is not guaranteed by any government. A stablecoin could lose its peg or the issuer could become insolvent.
• Blockchain risk — Blockchain networks may experience congestion, forks, or outages that delay or prevent transaction processing. Qrypt does not control any blockchain network.
• Regulatory risk — The regulatory landscape for digital assets is evolving. Changes in law or regulation could affect the availability or functionality of the Services.
• Cybersecurity risk — Despite our security measures, no system is completely immune to cyber threats.

Qrypt mitigates these risks by converting stablecoins to fiat as quickly as possible and never holding digital assets on your behalf for extended periods.

All rights, title, and interest in the Services — including software, design, trademarks, documentation, and content — are and remain the exclusive property of Qrypt or its licensors. Nothing in these Terms grants you any right to use Qrypt's trademarks, logos, or branding without prior written consent.

You retain ownership of your data. By using the Services, you grant Qrypt a limited, non-exclusive license to use your data solely for the purpose of providing and improving the Services.

To the maximum extent permitted by applicable law, Qrypt and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising out of or related to your use of the Services — regardless of the theory of liability.

Our total aggregate liability for any claims arising under these Terms shall not exceed the total fees paid by you to Qrypt in the twelve (12) months preceding the event giving rise to the claim.

This limitation does not apply to losses resulting solely from Qrypt's gross negligence, willful misconduct, or fraud.

You agree to indemnify, defend, and hold harmless Qrypt and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Services
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Any third-party claims related to your products, services, or business activities

Governing law. These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

Arbitration. Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Delaware. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Opt-out. You may opt out of the arbitration provision by sending written notice to support@qryptpay.com within 30 days of creating your account. If you opt out, disputes will be resolved in the state or federal courts located in Delaware.

Force majeure. Qrypt shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including natural disasters, acts of government, internet outages, blockchain network failures, or pandemics.

Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Qrypt regarding the Services and supersede all prior agreements.

Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. Qrypt may assign its rights and obligations without restriction.

Electronic communications. By using the Services, you consent to receiving communications from us electronically (email, Dashboard notifications). You agree that these electronic communications satisfy any legal requirement for written notice.

Contact. For questions about these Terms, contact us at support@qryptpay.com.