// Legal

Terms of Service

Last updated: September 2026

PAYMENT SOLUTIONS AND SERVICES INTERNATIONAL (PSI)

TERMS OF SERVICE AGREEMENT

Version 2.0

Effective Date: September 1st 2026

1. INTRODUCTION

These Terms of Service ("Terms", "Agreement") govern your access to and use of the Payment Solutions and Services International platform ("PSI", "Platform", "we", "our", or "us").

The Platform provides technology-enabled financial services including, depending on availability and jurisdiction:

  • Digital asset purchase services;

  • Cryptocurrency and stablecoin conversion services;

  • Fiat currency conversion services;

  • Digital wallets;

  • Payment processing services;

  • Remittance services;

  • Merchant payment solutions;

  • Business payment infrastructure;

  • Treasury and financial products;

  • Future digital asset and tokenization services.

By creating an account, accessing the Platform, or using any PSI service, you agree to these Terms.

If you do not agree to these Terms, you must not access or use PSI services.

Service availability is territory-specific. The Platform and each Service are available only in jurisdictions approved by PSI and, where applicable, its licensed banking, payment, remittance, custody, liquidity, digital asset or other regulated partners. The availability of any Service is subject to product activation, regulatory permissibility, partner support, and successful completion of PSI's onboarding and compliance requirements.

These Terms are supplemented, and may be modified, by product-specific disclosures, schedules, policies and territory addenda published or provided by PSI. In the event of any conflict, the applicable territory addendum and product-specific terms shall prevail for the relevant Service, user category or jurisdiction.

2. ABOUT PSI

PSI is a financial technology platform designed to provide digital payment infrastructure connecting traditional payment networks with digital asset ecosystems.

PSI operates through technology integrations with third-party providers, including payment processors, banking partners, identity verification providers, blockchain infrastructure providers, and liquidity providers.

PSI is not a bank unless expressly stated.

PSI does not provide banking services, deposit accounts, insurance products, investment advice, tax advice, or legal advice unless separately authorized and disclosed.

For each territory, PSI shall identify the applicable contracting entity, its role in the transaction flow, and any licensed or regulated partner responsible for custody, settlement, remittance, acquiring, fiat conversion, digital asset execution or similar regulated activity. Unless expressly stated otherwise, PSI acts only within the scope disclosed for the relevant Service and territory and does not hold itself out as a bank, deposit-taking institution, trustee, investment adviser or regulated securities intermediary.

3. DEFINITIONS

For purposes of these Terms:

"Account"

Means a registered user profile created on the PSI Platform.

"Digital Asset"

Means cryptocurrencies, stablecoins, tokens, or blockchain-based assets supported by PSI.

"Wallet"

Means a digital account used to display, store, transfer, or manage supported assets.

"Fiat Currency"

Means government-issued currencies.

"Business Account"

Means an account created by a company, organization, merchant, or enterprise customer.

"Services"

Means all products and functionality provided by PSI.

"Third Party Providers"

Means external service providers used by PSI including:

  • Payment processors;

  • Banking partners;

  • Blockchain providers;

  • Identity verification providers;

  • Compliance providers.

  • "Territory Addendum" means a jurisdiction-specific addendum, notice or schedule identifying the applicable contracting entity, services, legal notices, eligibility limits and regulatory disclosures for the relevant user or activity.

  • "Product Addendum" means any additional terms, risk disclosure, fee schedule, service description or operating rule applicable to a specific PSI Service.

4. ELIGIBILITY

To use PSI services, you represent and warrant that:

You:

  • Are at least eighteen (18) years old;

  • Have legal capacity to enter into this Agreement;

  • Are acting lawfully;

  • Are not located in a restricted jurisdiction;

  • Are not subject to sanctions restrictions;

  • Have authority to provide submitted information.

PSI may restrict availability based on:

  • Geography;

  • Regulatory requirements;

  • Licensing limitations;

  • Banking partner requirements;

  • Risk assessments.

  • Users may not access or use PSI on behalf of undisclosed third parties, prohibited businesses, sanctioned persons, money mule activity, unlicensed money-service businesses, or any activity that PSI reasonably determines presents heightened legal, regulatory, fraud, sanctions or reputational risk.

5. ACCOUNT REGISTRATION

Users must create an account before accessing certain PSI services.

During registration you may be required to provide:

  • Full legal name;

  • Email address;

  • Telephone number;

  • Date of birth;

  • Residential address;

  • Jurisdiction;

  • Identification documents.

You are responsible for maintaining:

  • Accurate information;

  • Password security;

  • Account confidentiality;

  • Authorized account access.

You must immediately notify PSI of unauthorized access.

6. BUSINESS ACCOUNTS AND KYB REQUIREMENTS

Businesses using PSI services must provide:

  • Legal entity information;

  • Registration documents;

  • Directors;

  • Beneficial owners;

  • Authorized representatives;

  • Business purpose;

  • Supporting financial statements

PSI may require ongoing KYB verification in its sole discretion.

Business customers represent that:

  • They have authority to act;

  • Information provided is accurate;

  • Transactions comply with applicable laws.

7. KYC, AML AND COMPLIANCE REQUIREMENTS

PSI maintains compliance procedures designed to prevent:

  • Fraud;

  • Money laundering;

  • Terrorist financing;

  • Sanctions violations;

  • Financial crime.

PSI may conduct:

  • Identity verification;

  • Document verification;

  • Facial verification;

  • Address verification;

  • Source of funds reviews;

  • Transaction monitoring;

  • PSI may require enhanced due diligence, source-of-funds or source-of-wealth information, transaction explanations, beneficial ownership details, wallet screening, liveness verification or updated documentation or any other verification method that PSI deems necessary in its sole discretion at any time.

PSI may use third-party compliance providers.

Failure to complete verification may result in:

  • Delayed transactions;

  • Account restrictions;

  • Suspension;

  • Termination.

  • PSI may delay, refuse, suspend, reverse, cancel, freeze or report any account, wallet or transaction where required by law, partner rules or internal risk controls in its sole discretion.

8. PAYMENT PROCESSING SERVICES

PSI processes card and payment transactions through authorized payment partners.

Payment processing may involve:

  • Credit cards;

  • Debit cards;

  • Banking networks;

  • Alternative payment methods.

PSI does not control:

  • Card network decisions;

  • Bank approvals;

  • Payment processor availability;

  • Settlement timelines.

Transactions may be delayed, declined, or reversed.

PSI, through its processing partners, may apply reserves, rolling holds, delayed fulfillment, transaction caps, manual review or cancellation prior to fulfillment where payment settlement, processor confirmation, fraud review or compliance approval is incomplete or unsatisfactory. Unless PSI expressly confirms otherwise, a payment quote, exchange rate or asset price is not guaranteed during any review or hold period.

9. FIRST-TIME CARD PURCHASE HOLD POLICY

To protect customers, payment partners, and PSI from fraudulent activity:

First-time card purchases may be subject to a settlement verification period.

For first-time purchasers:

  • Card payments must complete processing;

  • Payment settlement must be confirmed;

  • Fraud screening must be completed.

Typically, cryptocurrency or digital assets will not be issued until approximately three (3) business days after successful card payment processing notwithstanding the fact that that PSI reserves the right to vary this timeframe for issuance in its sole discretion where PSI determines additional verification is required

Additional review may include:

  • Identity verification;

  • Card ownership verification;

  • Fraud analysis;

  • Transaction review.

Repeat users may qualify for faster processing at PSI's discretion.

10. DIGITAL ASSET SERVICES

PSI may facilitate purchases, sales, conversions, and transfers of supported digital assets.

Supported assets may include:

  • USDT;

  • USDC;

  • BTC;

  • ETH;

  • TRX;

  • Other supported assets as designated by PSI from time to time.

11. DIGITAL ASSET RISKS

Users acknowledge:

Digital assets involve substantial risks.

These risks include:

  • Price volatility;

  • Liquidity risk;

  • Regulatory uncertainty;

  • Blockchain congestion;

  • Network failures;

  • Smart contract risks;

  • Permanent transaction errors.

PSI does not guarantee:

  • Asset value;

  • Market liquidity;

  • Future availability;

  • Profitability.

12. CRYPTOCURRENCY TRANSACTION FINALITY

Blockchain transactions are generally irreversible.

Once digital assets have been delivered to:

  • A user wallet;

  • A blockchain address;

  • A designated recipient;

PSI may not be able to reverse or recover those assets.

Users are responsible for confirming:

  • Wallet addresses;

  • Networks;

  • Transaction details.

13. WALLET SERVICES

PSI may provide:

  • Fiat wallets;

  • Digital asset wallets;

  • Master accounts;

  • Sub-wallets;

  • Business wallets.

Unless expressly stated otherwise in writing, wallet balances:

  • Are not bank deposits;

  • Are not insured deposits;

  • Do not constitute savings accounts;

  • Are not guaranteed by PSI.

  • Wallet functionality may be provided directly by PSI or through third-party custodial, omnibus or other wallet infrastructure. allet balances represent a contractual service position only and are not deposits, insured accounts, bailment arrangements or segregated trust accounts. PSI may refuse or delay transfers, freeze assets, decline unsupported networks or assets, and determine the treatment of forks, airdrops, blacklisting events, protocol changes or delistings in its discretion or as required by third-party providers or law.

14. GIFT CARD MARKETPLACE SERVICES

PSI may offer digital gift card products.

Gift cards:

  • May vary by jurisdiction;

  • May have issuer restrictions;

  • May have expiration rules;

  • May be subject to merchant terms.

Gift cards are generally non-refundable after:

  • Delivery;

  • Redemption;

  • Conversion.

Users are responsible for protecting redemption codes.

15. FOREIGN EXCHANGE SERVICES

PSI may provide currency conversion services.

Users acknowledge:

  • Exchange rates fluctuate;

  • PSI may apply conversion spreads;

  • Rates shown may differ from external market rates;

  • Fees may apply.

  • Any displayed exchange rate, conversion spread or quoted payout amount is valid only for the period, if any, expressly stated at the time of confirmation. Intermediary bank charges, processor deductions, network fees, compliance delays, returned-transfer charges and recipient-bank restrictions may reduce or delay final settlement, and returned or rejected payments may be re-converted, netted, refunded or reapplied on the basis then applicable.

Transactions are completed based on rates presented at confirmation.

16. REMITTANCE SERVICES

PSI may facilitate domestic and international transfers.

Availability depends on:

  • Jurisdiction;

  • Licensing;

  • Banking relationships;

  • Compliance approval.

PSI does not guarantee delivery times.

Transfers may be delayed due to:

  • Compliance reviews;

  • Banking delays;

  • Recipient restrictions.

17. BUSINESS AND ENTERPRISE SERVICES

PSI may provide:

  • Payment infrastructure;

  • Merchant services;

  • APIs;

  • White-label solutions;

  • Enterprise accounts.

Enterprise customers may be subject to separate commercial agreements.

18. INACTIVE OR FUTURE TREASURY / LIQUIDITY PRODUCTS

Treasury, liquidity, yield, investment or similar products are not available unless and until PSI launches them under a separate product addendum, jurisdiction-specific disclosure and any legally required partner or regulatory framework.

These products:

  • Require separate disclosures;

  • May have eligibility requirements;

  • Are not guaranteed;

  • Are not bank deposits.

No website content constitutes an offer, invitation, solicitation, recommendation or advice in relation to any investment, securities or yield product, and no such product is available unless expressly activated by PSI for the relevant territory and user.

19. INACTIVE TOKENIZATION AND FUTURE DIGITAL ASSET PROGRAMMES

Any tokenization, issuance, real-world asset, securities-related, or similar future digital asset programme is unavailable unless separately launched under specific contractual terms, risk disclosures and legally required approvals specifically considering but not solely limited to:

  • Regulatory approval;

  • Licensing requirements;

  • Jurisdictional availability.

Nothing on the Platform constitutes an offer of securities, capital markets products or tokenized investment interests except where expressly authorised and accompanied by the governing documents for that product.

20. PROHIBITED ACTIVITIES

Users may not:

  • Commit fraud;

  • Use stolen payment methods;

  • Circumvent security controls;

  • Launder funds;

  • Violate sanctions;

  • Manipulate transactions;

  • Provide false information.

  • Use the Platform in connection with prohibited businesses, unlicensed regulated activity, fraudulent chargeback schemes, market abuse, evasion of sanctions controls, nominee arrangements, mule activity or any transaction that misrepresents the true sender, beneficiary, source of funds or purpose of the transaction.

21. FRAUD MONITORING AND ACCOUNT RISK MANAGEMENT

PSI may evaluate account risk based on:

  • Transaction activity;

  • Geography;

  • Payment methods;

  • Blockchain activity;

  • Fraud indicators.

PSI may restrict accounts where it deems risk concerns exist in its sole discretion.

22. CHARGEBACKS AND PAYMENT REVERSALS

Chargebacks are governed by PSI's separate Card Processing and Chargeback Policy.

Where payment reversals occur after delivery of digital assets:

Users remain responsible for resulting obligations.

PSI may set off any amount owed by the user against wallet balances, pending settlements, refunds, credits or other monies payable to the user, and the user remains liable for any negative balance, fees, losses, investigation costs or recovery expenses arising from chargebacks, reversals, fraud or misuse. This may include PSI taking action to:

  • Restrict accounts;

  • Recover amounts owed;

  • Offset available balances;

  • Pursue lawful recovery.

23. THIRD PARTY PROVIDERS

PSI relies on third parties including:

  • Payment processors;

  • Identity providers;

  • Banking institutions;

  • Blockchain networks;

  • Liquidity providers.

PSI is not responsible for failures caused by third parties. Third-party providers may impose limits, suspend access, refuse settlements, delist assets, reject transactions or change service availability without notice, and PSI may be unable to reverse or override those actions.

24. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

To the fullest extent permitted by law, PSI shall not be liable for indirect, incidental, consequential, punitive or special loss, loss of profits, loss of business, loss of opportunity, loss of goodwill, loss arising from acts or omissions of third-party providers or regulators, or losses caused by market movements, network conditions, sanctions restrictions, compliance reviews or customer error, including but not limited to:

  • Market losses;

  • Blockchain failures;

  • Banking delays;

  • Third-party failures;

  • Unauthorized access caused by user negligence.

Nothing in these Terms excludes liability to the extent it cannot lawfully be excluded.

25. INDEMNIFICATION

Users agree to indemnify PSI against claims arising from:

  • Violation of these Terms;

  • Fraudulent activity;

  • Illegal use;

  • Chargebacks;

  • Regulatory violations.

The User's indemnity includes losses, chargebacks, fines, penalties, claims, investigative costs, recovery costs and reasonable legal fees arising from the User's breach, fraud, misconduct, unlawful activity, misuse of Services, chargeback activity, breach of law or breach of third-party provider rules.

26. TERMINATION

PSI may suspend or terminate accounts where:

  • Compliance requirements are not met;

  • Fraud is suspected;

  • Legal obligations require action;

  • These Terms are breached.

27. GOVERNING LAW

These Terms, together with any applicable territory amendment / addendum, shall be governed by the law specified in the applicable territory amendment / addendum or, if none is provided, the law expressly stated by PSI for the relevant Service before the user completes onboarding or the transaction. The applicable courts, arbitration forum or dispute process for the relevant territory shall likewise be identified in the territory addendum or service-specific terms.

28. CHANGES TO THESE TERMS

PSI may update these Terms periodically.

Continued use after changes constitutes acceptance.

Material changes affecting fees, liability allocation, dispute rights, privacy practices, supported services or user obligations may require affirmative re-acceptance before continued use of the affected Service. PSI may also publish additional policies covering complaints, refunds, errors, electronic communications, cookies, acceptable use and other matters, which form part of these Terms when identified as applicable.