Terms of use

1. Which documents apply

Each part of the relationship is governed by its own document:

If these terms conflict with a signed agreement, the signed agreement applies. Updating these terms does not change a signed agreement, its prices or its priority rules.

2. Who these terms are with

These terms are between Axora Payments LLC (“Axora”, “we”), and the organisation or person using the website or platform (“you”). If you act for an organisation, you confirm you are authorised to accept these terms for it.

3. Axora's role

Axora provides technology for accounts and payments, wallets, conversion and liquidity, verification and operations workflows, ledger records and integration. Access to the platform does not give you a licence or permission to provide regulated services, and Axora does not lend its own or any provider's authorisation to you.

Axora's own role in a programme is the role set out in the agreement for that programme.

4. Operating arrangements

Licensed partner network. Regulated services are provided by the named programme operator and regulated providers. Their verification, screening and transaction controls apply to every enabled service and cannot be switched off by the client.

Independent institution programme. Services are provided within the institution's own permissions, once its programme is admitted and approved by the providers involved. Admission has no guaranteed timeline.

EU/EEA crypto-asset services. These must be provided by an EU-authorised crypto-asset service provider: the provider named for the programme, or the institution under its own EU authorisation where it holds one and its programme is approved. A client never acquires a provider's authorisation by using the platform.

5. Eligibility and accurate information

You must be a business or institution that has completed our onboarding and, where applicable, the onboarding of the operator or providers in your programme. Keep the information about your organisation, owners, activities and licences accurate and tell us promptly when it changes. You must not be subject to sanctions or act for anyone who is.

6. Users, credentials and access

Platform and API access is given to users and credentials you authorise. You are responsible for who you give access to, for limiting permissions to what each user needs, for keeping credentials and keys secure and for revoking access promptly when it is no longer needed.

Tell us immediately at support@axorastack.com if you suspect a credential is compromised. We can revoke or rotate credentials and restrict access to protect your programme. We act on instructions received with valid credentials; responsibility for an instruction that was not in fact authorised is determined under your signed agreement and the law.

7. Test and production environments

Where a test environment is provided, it uses test data only and carries no money or assets. Production access is enabled after onboarding, approval of your programme and any provider requirements are complete.

8. Your products and end users

You may offer services built on the platform to your own customers, under your own brand through the API or white-label delivery, where this is approved for your programme. Approval states the end-user types, markets and activities covered. A nested console for your own business clients is not part of the platform unless your agreement says so.

You are responsible for your own customer terms, for making sure your customers' use respects the Acceptable use policy and programme rules, and for passing on information requests from us or a provider.

9. Instructions, records and reconciliation

Instructions are processed in the order and manner set out in your agreement and integration documentation. You are responsible for submitting each instruction once and for checking its status before resubmitting, so that the same payment is not sent twice.

Quotes show the rate and fees and are valid only for the time shown. Executed instructions may not be reversible, particularly on blockchain networks. Where your agreement says which records are authoritative for balances or settlement, for example a provider's records, those records apply; otherwise discrepancies are investigated using all available records. Report a suspected discrepancy promptly with the references involved.

10. Incidents and service issues

Report incidents affecting your programme to support@axorastack.com. Notification, cooperation and service-level commitments are those in your signed agreement. We tell clients about incidents that materially affect them as that agreement and the law require.

11. Compliance and information requests

Use the platform lawfully and in line with the Acceptable use policy. Provide information we, an operator or a provider reasonably request for verification, risk assessment or legal compliance. We or a provider may delay, decline or report activity where the law or provider rules require it, and may be prevented by law from saying why.

12. Fees

Fees are those in your signed commercial schedule. Invoicing, payment, taxes and any deduction of fees follow that schedule. These terms do not create a price, a default plan, a prepayment requirement or a right to set off amounts. A fee recorded in your account records is not a payment to Axora unless your agreement says so.

13. Intellectual property and feedback

Axora owns the platform, documentation and website content. While your agreement is in force you may use the platform for your approved programme, including to serve your own customers where approved. You must not copy, reverse-engineer or remove notices from the platform except as the law allows. We may use feedback to improve the platform.

14. Confidentiality and data protection

Each party protects the other's confidential information and uses it only for the relationship. Personal data is handled as described in our Privacy policy and, where we process data on your behalf, your data processing agreement.

15. Availability and changes

We do not promise uninterrupted service. Maintenance, provider outages, network events or legal requirements may interrupt or limit it. Where a change materially affects your programme, notice and any right to end the affected service follow your signed agreement.

16. Suspension, termination and exit

We may suspend or restrict access where the law or a provider requires it, where we reasonably suspect fraud, sanctions exposure or misuse, or for a material breach. Termination, transition assistance and the export or return of your data follow your signed agreement and data processing agreement. Records are kept as the law requires.

17. Liability

Liability between Axora and a client is governed by the signed agreement. For use of this website alone, Axora is liable only to the extent the law requires. Nothing in these terms limits liability that cannot be limited by law.

18. Complaints and contact

Questions about the website or the platform: support@axorastack.com. Complaints: complaints@axorastack.com (handled by our compliance team). Legal notices: legal@axorastack.com. Complaints about a regulated service go to the provider named for that service; we help direct them.

19. Changes to these terms

Updated versions are published here with their effective date. Earlier versions are listed under Historical versions. Changes do not alter a signed agreement unless that agreement says so.

20. Governing law

The governing law and courts for client relationships are those in the signed agreement. Nothing in these terms removes rights under mandatory local law.