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Terms of Service

Last updated June 2026

These Terms of Service (the "Terms") are a binding agreement between you and Plaidly Labs, Inc. ("Plaidly," "we," "us," or "our"), a Delaware corporation. They govern your access to and use of the Plaidly websites, hosted checkout, merchant dashboard, APIs, SDKs, and related services (collectively, the "Service"). Please read them carefully. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and "you" refers to that entity.

Plaidly provides payment infrastructure for stablecoin and other digital-asset transactions. We are a technology provider; we are not a bank, money transmitter acting as your fiduciary, broker-dealer, investment adviser, or custodian of your fiat funds unless expressly stated in a separate written agreement.

1. Acceptance of these Terms

By creating an account, clicking to accept, accessing the dashboard, calling the API, or otherwise using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service. Additional product-specific terms or order forms may apply to certain features; where they conflict with these Terms, the more specific terms control for that feature.

2. Description of the Service

The Service lets merchants and developers accept, send, and settle payments denominated in supported stablecoins and other digital assets across multiple blockchain networks. Capabilities include hosted checkout sessions, payment links, programmatic payment creation through the API, webhooks, on-chain transaction monitoring, settlement reporting, and optional conversion and payout features. We may add, modify, or remove features, supported assets, or supported chains at any time. Blockchain networks are operated by third parties; we do not control them and cannot reverse, accelerate, or guarantee on-chain confirmation of any transaction.

3. Eligibility

You must be at least 18 years old and legally capable of forming a binding contract. You may not use the Service if you are located in, or are a resident or national of, a jurisdiction subject to comprehensive sanctions, or if you appear on any sanctions or denied-party list administered by the U.S. Office of Foreign Assets Control (OFAC), the United Nations, the European Union, or other applicable authorities. You are responsible for ensuring that your use of digital assets and of the Service is lawful in your jurisdiction.

4. Accounts and Security

To use most features you must register an account and provide accurate, current, and complete information. You are responsible for safeguarding your credentials, API keys, and signing secrets, and for all activity that occurs under your account or keys. You must notify us promptly at our support channel if you suspect unauthorized access. We may suspend or restrict access where we reasonably believe an account has been compromised or is being used in violation of these Terms. Treat API keys like passwords; never embed secret keys in client-side code or public repositories.

5. Acceptable Use

You agree not to use the Service, and not to permit anyone to use it, to:

  • facilitate money laundering, terrorist financing, fraud, theft, or any other illegal activity;
  • transact in or on behalf of sanctioned persons, regions, or prohibited businesses we identify in our policies;
  • sell goods or services that are unlawful, infringing, or otherwise prohibited by our acceptable-use guidance;
  • interfere with, overload, or attempt to gain unauthorized access to the Service, other accounts, or our infrastructure;
  • reverse engineer, scrape, or circumvent rate limits or security controls except to the extent that restriction is prohibited by law;
  • misrepresent the nature of a transaction or the identity of a payer or payee.

We may investigate suspected violations and cooperate with law enforcement. We may refuse, hold, or reverse (where technically possible) transactions that we reasonably believe violate this section or applicable law. See our Security practices for how we protect the platform.

6. Fees

Fees for the Service are described on our pricing pages or in your order form and may include per-transaction processing fees, network or gas costs, conversion spreads, and subscription charges. Unless stated otherwise, fees are exclusive of taxes, and you are responsible for any taxes, duties, or levies associated with your transactions. We may change fees prospectively by posting updated pricing or notifying you; continued use after the effective date constitutes acceptance. On-chain network fees are set by the relevant blockchain and are outside our control.

7. Payment Processing and Settlement

When a payer completes a checkout or payment, the relevant amount is transferred on-chain to an address associated with your account. Settlement timing depends on network confirmation, the chain selected, and any conversion or payout configuration you choose. We display transaction status on a best-effort basis using on-chain and provider data; on-chain finality, not our dashboard, is authoritative. Digital assets are volatile, and the value you receive may differ from the value quoted at checkout where conversion or non-stablecoin assets are involved. We do not guarantee the value, liquidity, or convertibility of any asset.

8. Wallets and Custody

The Service supports both non-custodial and custodial wallet handling, depending on the product configuration you select:

  • Non-custodial. Where you connect or designate your own wallet or settlement address, you retain sole control of the corresponding private keys. We never hold those keys, and you bear all responsibility for their security. Loss of your keys may result in permanent loss of assets that we cannot recover.
  • Custodial. Where you enable custodial features, Plaidly or a third-party custody provider may generate, store, and use private keys on your behalf to receive, hold, sweep, or settle assets. We apply the controls described in our Security practices, but holding digital assets carries inherent risk, including risk from network failures, protocol changes, and third-party providers.

You are responsible for verifying destination addresses and chain selections. Blockchain transactions are generally irreversible; an incorrect address or wrong-network transfer may result in unrecoverable loss.

9. Compliance and Identity Verification

To meet anti-money-laundering, counter-terrorist-financing, sanctions-screening, and other regulatory obligations, we (and our banking, custody, and compliance partners) may require you to complete Know Your Customer (KYC) or Know Your Business (KYB) verification and to provide identifying documents, beneficial-ownership information, and information about your business and transactions. We may screen accounts and transactions on an ongoing basis and may delay, suspend, or terminate access, or report activity to authorities, where required. Providing false or misleading information is a material breach of these Terms.

10. Intellectual Property

The Service, including its software, APIs, SDKs, documentation, design, and the Plaidly name and marks, is owned by Plaidly or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service and to integrate the SDKs into your applications for their intended purpose. You retain ownership of your own content and data. You grant us a license to host, process, and transmit that content solely to provide and improve the Service. Feedback you provide may be used by us without obligation to you.

11. Third-Party Services

The Service relies on, and may interoperate with, third parties including blockchain networks, RPC and node providers, custody providers, identity and compliance vendors, and infrastructure hosts. We are not responsible for the acts, omissions, availability, or content of third parties, and your use of certain features may be subject to their terms.

12. Disclaimers

The Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty that the Service will be uninterrupted, secure, error-free, or that on-chain transactions will confirm within any particular time. We do not provide legal, tax, accounting, or investment advice, and nothing in the Service constitutes such advice.

13. Limitation of Liability

To the maximum extent permitted by law, Plaidly and its affiliates, officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or loss of digital assets arising from network volatility, irreversibility of on-chain transactions, or third-party failures, even if advised of the possibility. Our aggregate liability for all claims relating to the Service will not exceed the greater of (a) the total fees you paid to us for the Service in the three months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

14. Indemnification

You will defend, indemnify, and hold harmless Plaidly and its 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 Service, your content or transactions, your violation of these Terms or applicable law, or your infringement of any third-party right.

15. Suspension and Termination

You may stop using the Service at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law or by a partner, if we reasonably suspect fraud or risk to the platform, or if we discontinue the Service. Upon termination, your license to use the Service ends. Provisions that by their nature should survive — including fees owed, intellectual property, disclaimers, limitation of liability, indemnification, and governing law — survive termination. We will, where practicable and lawful, make commercially reasonable efforts to allow you to retrieve your data and settle pending balances.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Subject to any applicable arbitration agreement in a separate order form, you agree that the state and federal courts located in Delaware will have exclusive jurisdiction over disputes arising from these Terms, and you consent to personal jurisdiction there. Nothing in this section prevents either party from seeking injunctive relief to protect its intellectual property or confidential information.

17. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above and, for material changes, provide additional notice through the Service or by email. Changes take effect when posted unless stated otherwise. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

18. Contact

Questions about these Terms can be directed to Plaidly Labs, Inc. through our support channel or by email at [email protected]. For privacy questions, see our Privacy Policy; for details on how we protect the platform, see our Security practices.