Terms of Service

1. Acceptance and eligibility

These Terms of Service (the “Terms”) govern your access to and use of OmniWallet (the “Service”), a crypto payment gateway operated by the OmniWallet operator (“we”, “us”, “our”). The operator’s full legal name and registered address will be specified here before these Terms take effect.

By registering for, accessing or using the Service, you agree to these Terms and the policies they incorporate, including our Acceptable Use Policy and AML/KYC Policy. Our Privacy Policy explains how we handle personal data. If you do not agree, do not use the Service.

The Service is offered only to businesses and is not intended for personal, family or household use. Any individual who registers for or uses the Service on behalf of a business must be of legal age where they live and authorized to bind that business; in these Terms, “you” means that business.

You may not use the Service if you, or anyone who owns or controls you, is a sanctioned person or is located, organized or resident in a jurisdiction subject to comprehensive sanctions, or if your use of the Service would be unlawful.

2. Definitions

In these Terms:

• “Merchant” or “you” means the business that registers for and uses the Service, including, where the context requires, its Authorized Users.
• “Authorized User” means any person you allow to access your account, the Console, the POS or the merchant app.
• “Payer” means a person who sends digital assets to a Deposit Address to pay you.
• “Payment” means a payment request created through the Service — via the API, a hosted invoice, a payment link, a donation page, the POS or an embedded button or widget — together with the deposits made in response to it.
• “Deposit Address” means the unique blockchain address we generate for a single Payment.
• “Supported Asset” means a digital asset on a specific blockchain that is on our whitelist (tokens are identified by blockchain and contract address), as listed on our Supported coins page.
• “Balance” means the amount of each Supported Asset credited to your account in our ledger, and “Custody Balance” means Balance that you keep on the Service instead of having it settled automatically.
• “Settlement Wallet” means the blockchain address you register to receive settlements, and “Auto-settlement” means the automatic payment of credited funds to your Settlement Wallet.
• “Payout” means a transfer from your Balance to a blockchain address — single, mass or scheduled — including a refund to a Payer.
• “Conversion” means the exchange of one Supported Asset for another within your Balance.
• “Console” means our web-based merchant console, and “API” means our application programming interfaces, including the endpoints compatible with NOWPayments API v1.
• “Test Environment” means our separate sandbox environment running on blockchain testnets.

3. The Service and its custodial nature

The Service lets you accept cryptocurrency payments through a REST API compatible with NOWPayments API v1, hosted invoices, payment links, donation pages, POS (a web POS and an iOS/Android merchant app paired by QR code) and embeddable buttons and widgets. It currently supports ten blockchains: Ethereum, BNB Smart Chain, Polygon, Avalanche C-Chain, Arbitrum, Base, Optimism, TRON, Solana and Bitcoin. Supported Assets include native coins, USDT and USDC (on the chains where we support them) and JPYC on Ethereum, Polygon and Avalanche C-Chain. The current list is on our Supported coins page.

The Service handles cryptocurrency only: we do not offer fiat on-ramps or off-ramps, card payments or fiat payouts. Prices may be expressed in a fiat currency for reference, but Payments, Balances, settlements and Payouts are made in Supported Assets.

The Service is custodial. Deposit Addresses and the wallets used to operate the Service are controlled by us, and you do not hold their private keys. Confirmed deposits are credited to your Balance, net of the service fee, and are then either paid to your Settlement Wallet by Auto-settlement or kept as Custody Balance (see section 9). Until funds are settled or paid out, the corresponding assets are held by us (mostly in cold multi-signature wallets, with only limited funds in our hot wallet) and may be pooled with assets attributable to other merchants.

Payers who pay you through the Service do not thereby become our customers; their purchases are governed by their arrangements with you. We may add, change or discontinue features, blockchains or assets; where a change materially and adversely affects you, we will give you reasonable advance notice where practicable.

4. Registration and merchant verification

You can register online. Registration is protected by bot-protection measures and requires email verification. You must provide accurate, complete and current information and keep it up to date.

Before you can accept live payments, you must pass merchant verification (know your business, “KYB”). We will ask for information such as your company registration details, directors, beneficial owners holding 25% or more, authorized representatives, a description of your business, your website or app, expected volumes and source of funds, and may require more from higher-risk businesses. Every application is reviewed manually; see our AML/KYC Policy.

We may refuse, delay or attach conditions to any registration or verification, limit the features available to you, or ask you to re-verify at any time, including for risk or compliance reasons. Where the law permits, we do not have to give reasons.

5. Account security and API keys

You are responsible for your account and for everything done through it, by your Authorized Users or with your API keys, and for assigning roles and permissions appropriately. You must keep passwords, two-factor authentication (2FA) devices, API keys and other credentials secure and confidential.

The following controls apply:

• 2FA is mandatory for owners, administrators and any role that can send Payouts or change whitelists.
• API keys are stored only in hashed form and shown once, when created. We cannot retrieve a lost key; you must revoke it and create a new one.
• API keys with payout permissions can be used only from IP addresses on the allowlist you set.
• JSON Web Tokens (JWTs) obtained from POST /v1/auth are valid for five minutes.
• We keep audit logs of significant account and security actions.

If you suspect that a credential or device has been lost, stolen or compromised, revoke it immediately and notify us at support@ewin888.com. Until we have been notified and have had a reasonable opportunity to act, we may treat instructions authenticated with your credentials as authorized by you.

6. Test Environment

We provide a separate Test Environment (sandbox) on blockchain testnets so that you can build and test your integration. It requires a separate account, and merchant verification there is approved automatically.

Test coins have no monetary value and cannot be exchanged for Supported Assets. The Test Environment is provided “as is”, without any service level; it may be changed, interrupted or reset, and its data deleted, at any time.

Do not use the Test Environment for real transactions, and never send mainnet assets to addresses shown in it. Such assets will not be credited, and their recovery is not guaranteed.

7. Payment processing

Each Payment is assigned its own Deposit Address, which is never reused for another Payment. A deposit is credited only after it reaches the confirmation threshold we set for the relevant blockchain and passes our screening. Payment statuses are waiting, confirming, confirmed, sending, partially_paid, finished, failed, refunded and expired, as described in our developer documentation. The following rules apply:

• The payment window is 24 hours by default and can be set to up to 7 days. If no deposit is received within the window, the Payment expires.
• If the amount received falls short by no more than the underpayment tolerance (0.5% by default; configurable), the Payment is treated as paid in full and the amount actually received is credited.
• If the shortfall is larger, the Payment becomes partially_paid, and the Payer may top it up before the Payment expires.
• Overpayments are credited in full.
• Late deposits continue to be monitored (for 30 days by default) and are handled by re-opening the Payment or creating a child Payment.
• If a Payer sends a different Supported Asset on the same blockchain to the Deposit Address, it is recorded as a separate child Payment.

Only Supported Assets are credited. A token is credited only if its blockchain and contract address match our whitelist; other tokens are never credited automatically, and assets sent on a blockchain other than the one specified for the Payment may not be detected or credited. We may, but are not obliged to, attempt recovery; recovery is not guaranteed, may be impossible and may incur costs, which we may charge to you.

Where you display payment details yourself (for example, through the API), you must show Payers the correct amount, asset, blockchain and Deposit Address. We are not responsible for losses caused by errors made by you or your Payers.

8. Exchange rates and conversions

Where a Payment is priced in a currency other than the asset paid, we calculate the amount due using exchange rates from third-party price sources. Unless a fixed-rate quote applies, these rates are estimates and may differ from rates available elsewhere or at the time the Payer pays.

A fixed-rate quote locks the exchange rate for its validity period, which is 20 minutes by default. Once a quote has expired, it no longer binds us.

You may convert Custody Balance between supported stablecoins, and between native coins and stablecoins, where available. Each Conversion uses a quote that already includes our conversion fee and is valid for 30 seconds; a Conversion executed on an accepted quote is final. We may decline or suspend Conversions, for example during extreme volatility or when liquidity is insufficient.

Digital asset prices are volatile. You bear the risk of changes in the value of the assets you receive or hold, and we do not guarantee any exchange rate.

9. Settlement and custody balances

Auto-settlement: after a Payment is confirmed, we pay the credited amount from our hot wallet to your Settlement Wallet. We aim to broadcast the settlement transaction within about 60 seconds of confirmation, but this is a target, not a guarantee, and arrival also depends on network conditions. The network fee for each settlement is charged to you as set out in section 12.

Custody Balance: funds you keep on the Service can be used for mass and scheduled Payouts, sub-accounts, subscriptions and Conversions. Custody Balances are not bank deposits, are not covered by deposit insurance or any other insurance, do not earn interest, and are not lent out or used for any lending.

Changes to your Settlement Wallet require 2FA and take effect only after a 24-hour cooling-off period, and we notify you by email. You must make sure that your Settlement Wallet can receive the relevant asset on the relevant blockchain (for example, where it is an account at a third-party exchange). We are not responsible for losses caused by an incorrect or unsuitable Settlement Wallet.

Settlements and Payouts may be delayed or withheld where necessary for security, compliance or legal reasons, during blockchain or network incidents, or if our hot wallet temporarily holds insufficient funds of the relevant asset, in which case we first collect the required funds and then pay. We will process delayed settlements as soon as reasonably practicable once the cause has been resolved, unless the law prevents us from doing so.

10. Payouts

You may make Payouts from your Balance through the Console or the API, whether single, mass or scheduled, including refunds to Payers. Payouts are subject to the controls we apply from time to time, including:

• 2FA confirmation;
• destinations on your payout whitelist, which can be changed only with 2FA, with changes taking effect after a 24-hour cooling-off period and notified to you by email;
• optional one- or two-level approvals that you configure;
• per-transaction and daily limits; and
• an IP allowlist for API keys with payout permissions.

Blockchain transactions are irreversible. You are responsible for the accuracy of every Payout instruction, including the address, blockchain, asset and amount. Once a Payout has been broadcast, we cannot cancel or reverse it.

Payouts and their destinations are screened, and we may hold, delay or refuse a Payout for the reasons described in sections 9, 15 and 16.

11. Sub-accounts and subscriptions

If you use our custody API to create sub-accounts for your own users, those users are your customers, not ours. You are responsible to us for all activity in your sub-accounts and for your users’ compliance with these Terms and the Acceptable Use Policy, and you must carry out any customer due diligence (KYC) and meet any other obligations that apply to you in respect of those users.

If you offer subscriptions, you are responsible for obtaining your customers’ clear consent to recurring charges, telling them the amount, frequency and how to cancel, and processing cancellations promptly. We act only on your instructions and do not handle disputes between you and your customers about subscriptions.

We may suspend or close a sub-account or subscription that we reasonably believe breaches these Terms or the law.

12. Fees and taxes

The fees that apply to you are those shown in your Console or agreed with you in writing. Our standard rates, which are currently preliminary and may change, are published on our Pricing page.

• Payment fee: a percentage of each Payment, deducted from the amount credited. You may choose to have the Payer bear it instead (for example, using is_fee_paid_by_user), in which case it is added to the amount the Payer pays; you must make sure that passing on the fee is lawful and clearly disclosed to your customers.
• Conversion fee: included in each Conversion quote.
• Settlements and Payouts: no platform fee; you bear only the blockchain network fee of each transaction, which varies with network conditions.

Each Payment records the fee rate in effect when it is created. We announce fee changes in advance, and they apply only to Payments created after the change takes effect. We may deduct fees and any other amounts you owe us from your Balance.

You are responsible for all taxes relating to your business, your sales and the digital assets you receive, and for issuing invoices or receipts to your customers. Our fees do not include any taxes that may apply to them; where the law requires us to charge such taxes, we will add them.

13. Refunds and customer disputes

Cryptocurrency payments are irreversible, and there is no chargeback mechanism. Whether to refund a Payer is your decision; refunds are made as Payouts from your Balance, and the Payment’s status becomes refunded.

You are solely responsible for your products and services and for your relationship with your customers, including consumer-protection obligations, delivery, returns, warranties, customer support, invoices or receipts, and taxes.

We do not arbitrate or mediate disputes between you and your customers. If a Payer contacts us about such a dispute, we may refer them to you and share relevant Payment information with you.

14. Prohibited use

You may use the Service only for lawful business purposes and in accordance with our Acceptable Use Policy, which sets out prohibited businesses, businesses that require our prior written approval, and prohibited uses of the platform and API.

In particular, you must not use the Service to circumvent limits or screening, split Payments to avoid thresholds, test our security without authorization, or resell or white-label the Service without our written agreement. A breach of the Acceptable Use Policy is a breach of these Terms.

15. Compliance, AML and sanctions

We operate a risk-based anti-money laundering, counter-terrorist financing and sanctions compliance program, described in our AML/KYC Policy. You must cooperate with it, including by providing, within the time we specify, the information and documents we request about your business, your customers or particular transactions.

Incoming funds are screened against sanctions lists (including the OFAC, UN and EU lists), the ScamSniffer scam list and Tether freeze lists, and Payout destinations are screened too. If a deposit matches a sanctions list, the Payment is marked failed and the funds are frozen; we will never automatically return them to a sanctioned address.

You represent and warrant that neither you nor any of your beneficial owners, directors or authorized representatives is on a sanctions list or is owned or controlled by a sanctioned person, and that you are not located, organized or resident in a jurisdiction subject to comprehensive sanctions. You must tell us immediately if this changes.

Where required by applicable law, or where we reasonably consider it necessary, we may hold funds pending review, report to competent authorities and comply with their orders. The law may prohibit us from telling you that we have done so.

16. Suspension, freezing and termination

We may suspend or restrict your account or particular features, hold or reject Payments, settlements or Payouts, or freeze funds, where:

• you breach these Terms or our policies, or fail to complete or maintain merchant verification;
• we suspect fraud, money laundering, terrorist financing, sanctions violations or other illegal activity;
• we are required to do so by law, a court or a competent authority; or
• it is reasonably necessary to protect you, other merchants, Payers or the Service, including during a security incident. In a security emergency we may freeze outgoing transfers; lifting such a freeze requires the approval of two of our administrators.

You may stop using the Service and ask us to close your account at any time by contacting support@ewin888.com. We may terminate these Terms for convenience on reasonable notice, or immediately in any of the cases listed above.

On termination, after completing our compliance checks and deducting any amounts you owe, we will pay your remaining Balance to a wallet you designate that passes our verification, unless the law or a competent authority prevents us. Provisions that by their nature should survive termination (including those on fees owed, confidentiality, disclaimers, limitation of liability, indemnification and governing law) survive.

17. Third-party networks and token issuers

Blockchains are operated by third parties that we do not control. They may become congested, fork, reorganize, halt or change their rules, and network fees can vary widely. This may delay or prevent confirmations, settlements and Payouts, or cause a previously credited deposit to be reversed on-chain, in which case we may correct your Balance accordingly.

Token issuers, such as Tether and Circle, can freeze, block or otherwise restrict their tokens independently of us. If tokens attributable to your Payments or Balance are frozen or restricted by their issuer, we are not liable for the resulting loss and may hold or adjust the corresponding Balance.

We are not obliged to support any fork, airdrop or new token, or to credit you with assets arising from one.

We are not liable for delays or failures caused by events beyond our reasonable control, including network incidents, actions of token issuers, cyberattacks, power or telecommunications failures, natural disasters, war, acts of government, and failures of third-party providers such as hosting, blockchain node and data, price-source and email providers.

18. Intellectual property and API license

We and our licensors own all rights in the Service, including its software, APIs, documentation, designs and trademarks. Except for the limited license below, these Terms do not grant you any rights in them.

Subject to these Terms, we grant you, for as long as these Terms are in effect, a limited, non-exclusive, non-transferable, non-sublicensable and revocable license to use the API, documentation, sample code and embeddable buttons and widgets solely to integrate your business with the Service. You may use our name and logo only to tell your customers that you accept payments through OmniWallet.

Except as permitted by law, you must not copy, modify, reverse-engineer or create derivative works of the Service, exceed rate limits or other technical limits, interfere with the operation of the Service, remove any proprietary notices, or misrepresent your relationship with us.

References to third-party names, such as NOWPayments, describe compatibility only and do not imply any affiliation, sponsorship or endorsement. If you give us feedback, we may use it freely without any obligation to you.

19. Confidentiality

Each party must keep confidential any non-public information it receives from the other in connection with the Service (such as API keys and other credentials, non-public documentation, commercial terms, security information and verification materials), use it only for the purposes of these Terms, and protect it with at least reasonable care.

This obligation does not apply to information that is or becomes public through no fault of the receiving party, was already lawfully known to it, is independently developed by it, or must be disclosed by law or a competent authority; in the last case, the receiving party will notify the other party where the law permits. Our handling of personal data is governed by our Privacy Policy.

20. Disclaimers and limitation of liability

To the extent permitted by law, the Service is provided “as is” and “as available”, and we disclaim all warranties not expressly set out in these Terms, including warranties of merchantability, fitness for a particular purpose and uninterrupted or error-free operation. Processing times, including the settlement target, are estimates only. We do not provide investment, legal, tax or accounting advice.

To the extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, for any loss of profits, revenue, business, goodwill or data, or for losses resulting from changes in the value of digital assets, however caused.

To the extent permitted by law, our total liability arising out of or in connection with these Terms or the Service is limited to the total fees you paid us in the 12 months before the event giving rise to the claim.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, such as, where applicable, liability for intentional misconduct or gross negligence.

21. Indemnification

You will indemnify and hold harmless us and our directors, officers, employees and agents against all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with:

• your breach of these Terms, our policies or applicable law;
• your products and services and your dealings with your customers, including refunds, consumer claims and taxes;
• your sub-account users and subscriptions; or
• incorrect or unlawful instructions or information provided by you or your Authorized Users.

22. Changes to these Terms

We may amend these Terms from time to time. We will give you reasonable advance notice of material changes, by email, in the Console or on our website, before they take effect. Changes required by law or urgently needed for security reasons may take effect sooner.

The “Last updated” date shows when these Terms were last revised. If you continue to use the Service after a change takes effect, you accept the amended Terms. If you do not agree, you must stop using the Service, and you may close your account before the change takes effect.

23. Governing law and disputes

These Terms, and any dispute arising out of or in connection with them or the Service, are governed by the laws of the place where the operator is registered, without regard to its conflict-of-laws rules.

The parties will first try in good faith to resolve any dispute through negotiation; you can start this process by contacting support@ewin888.com. If the dispute is not resolved, the competent courts of the place where the operator is registered have exclusive jurisdiction at first instance, unless mandatory law provides otherwise.

24. Language, notices and contact

These Terms and the policies referred to in them are provided in Traditional Chinese and English. If the two versions conflict or are inconsistent, the Traditional Chinese version prevails.

We may give you notices by email to the address registered to your account or through the Console, and they take effect when sent or posted. You must keep your contact details up to date. Notices to us must be sent to support@ewin888.com.

These Terms, together with the policies they incorporate and any separate written agreement between us, form the entire agreement between us regarding the Service; if a separate written agreement conflicts with these Terms, that agreement prevails. If any provision is held invalid, the remaining provisions remain in effect. Our failure to enforce a right is not a waiver of it. You may not assign these Terms without our prior written consent; we may assign them to an affiliate or successor by notifying you.

If you have any questions about these Terms, contact us at support@ewin888.com.