Terms and Conditions

1. ACCEPTANCE OF TERMS

By accessing or using the NxTreasury platform, website, mobile application, or any related services (collectively, the "Platform" or "Services"), you ("User," "Client," "Customer," or "you") agree to be bound by these Terms and Conditions ("Terms"). These Terms constitute a legally binding agreement between you and NxTreasury Limited ("NxTreasury," "Company," "we," "us," or "our"). Your acceptance of these Terms, including any linked policies such as our Privacy Policy, is a fundamental basis for the legal contract between you and NxTreasury. We ensure that consent requests for data processing, as detailed in our Privacy Policy, are expressed in straightforward language and are distinctly distinguishable from other agreements.

If you do not agree to these Terms, you must immediately discontinue use of our Platform. Your continued use of the Services constitutes acceptance of any modifications to these Terms.

2. DESCRIPTION OF SERVICES

NxTreasury is a next-generation treasury management platform that provides unified fiat and digital asset management solutions, including:

2.1 Core Platform Services

• Unified Treasury Management: Integration of traditional banking and self-custody digital asset management
• AI-Powered Legal Contract Generation: Automated creation and customization of financial agreements per relevant jurisdiction
• Real-Time Liquidity Management: Live visibility across multi-currency fiat and digital asset positions
• Cross-Border Payment Solutions: Stablecoin-enabled efficient fund transfers with local currency settlement
• Self-Custody Wallet Infrastructure: Non-custodial digital asset storage with full user control
• AI Agent Automation: Automated payment booking, reconciliation, and treasury analytics
• Risk Management & Compliance: Advanced analytics, stress testing, and regulatory compliance tools

2.2 Service Tiers

• Basic Plan (Free Tier): Basic legal templates, self-custody wallets, AI payment agent
• Professional Plan ($1,000+/month): Enhanced features, customizable legal templates, API integration
• Enterprise Plan (Custom): Advanced yield management, premium support, custom integrations

3. ELIGIBILITY AND REGISTRATION

3.1 Eligible Users

Our Services are designed for:

• Fintech Companies seeking modern treasury infrastructure
• Money Service Businesses (MSBs) requiring hybrid asset management
• Corporate Treasuries needing real-time multi-asset visibility
• Asset Managers managing both traditional and digital assets
• Banks and Financial Institutions seeking blockchain integration

3.2 Registration Requirements

• Must be a legitimate business entity or qualified individual
• Minimum age of 18 years or age of majority in your jurisdiction
• Must provide accurate business registration and operational details
• Compliance with applicable financial services regulations in your jurisdiction
• Not located in sanctioned jurisdictions or prohibited territories

3.3 Know Your Customer (KYC) and Know Your Business (KYB) Verification

Comprehensive Know Your Customer (KYC) and Know Your Business (KYB) procedures are legally mandated for all accounts to assess customer risk and prevent illicit activities such as money laundering and terrorism financing. These procedures are critical to ensuring transactional security.

• Identity Verification: Comprehensive KYC and KYB procedures are required for all accounts using Vespia.io verification services.
• Understanding Financial Activities: We are required to understand the nature of your financial activities and the legitimacy of your funding sources.
• Risk Assessment: We assess money laundering risks associated with customers.
• Enhanced Due Diligence (EDD): Enhanced Due Diligence (EDD) may be required for high-risk jurisdictions or transaction volumes.
• Ongoing Monitoring: Ongoing monitoring and periodic re-verification requirements apply to all accounts.
• Consequences of Non-Compliance: Failure to complete verification may result in account suspension or termination.

4. REGULATORY COMPLIANCE AND LICENSING

4.1 Regulatory Compliance Framework

The regulatory landscape for financial services and digital assets is rapidly evolving globally. We reserve the right to modify these Terms and our services to maintain compliance with new laws and regulations.

4.2 Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF)

• All transactions are subject to real-time AML/CTF monitoring using AI-powered systems
• Suspicious transaction reporting to relevant Financial Intelligence Units
• Enhanced screening for high-risk customers and jurisdictions
• Transaction limits may apply based on risk assessment

FATF Travel Rule Compliance

For virtual asset transfers exceeding USD/EUR 1,000, NxTreasury complies with the Financial Action Task Force (FATF) Travel Rule. This requires us to obtain and pass on specific information about the originator and beneficiary of the virtual asset transfer.

5. DIGITAL ASSET AND BLOCKCHAIN SERVICES

5.1 Self-Custody Wallet Services

• Non-Custodial Model: Users maintain full control and ownership of private keys
• Multi-Blockchain Support: Wallets available on preferred blockchain networks
• Security Responsibility: Users solely responsible for private key security and backup
• Recovery Limitations: NxTreasury cannot recover lost private keys or access

5.2 Digital Asset Risk Disclosure

Important: By using NxTreasury's services involving digital assets, you acknowledge and accept inherent risks including:

• Market Volatility: Digital asset prices can fluctuate dramatically
• Regulatory Uncertainty: Changing government policies may impact digital asset use
• Security Risks: Potential for cyberattacks, phishing scams, and fraud
• Irreversible Transactions: Blockchain transactions generally cannot be reversed
• Tax Considerations: Complex taxation requirements vary by jurisdiction

6. AI-POWERED LEGAL CONTRACT SERVICES

6.1 Automated Contract Generation

Important Disclaimer: AI-generated contracts do not constitute legal advice. Users must have all contracts reviewed by qualified legal counsel.

7. TRANSACTION FEES AND PRICING

7.1 Subscription Plans

• Basic Plan (Free): Basic features and templates
• Professional Plan: Starting at $1,000/month
• Enterprise Plan: Custom pricing

8. PLATFORM SECURITY AND TECHNOLOGY

NxTreasury employs institutional-grade security measures including multi-layered encryption, 24/7 monitoring, and regular security audits.

9. SERVICE AVAILABILITY AND PERFORMANCE

Target uptime: 99.9% platform availability (excluding scheduled maintenance).

10. BANKING AND FINANCIAL INSTITUTION PARTNERSHIPS

Partnerships with DBS, Bank of East Asia, and other regional banks provide enhanced services.

11. INTELLECTUAL PROPERTY RIGHTS

All platform technology, AI models, and algorithms are proprietary to NxTreasury.

12. LIMITATION OF LIABILITY AND DISCLAIMERS

Services are provided "as is" without warranties. NxTreasury's liability is limited to fees paid in the preceding 12 months.

13. INDEMNIFICATION

Users agree to indemnify NxTreasury from claims arising from their use of the platform or violation of these terms.

14. ACCOUNT TERMINATION AND SUSPENSION

Both users and NxTreasury may terminate accounts under specified conditions with appropriate notice.

15. DISPUTE RESOLUTION

Disputes are governed by Hong Kong law and resolved through negotiation, mediation, and if necessary, binding arbitration.

16. REGULATORY RISK AND COMPLIANCE

Users must comply with all applicable local regulations in their respective jurisdictions.

17. GENERAL PROVISIONS

These Terms, together with our Privacy Policy and related agreements, constitute the entire agreement between parties.