Terms & Conditions

1. Definitions

• Customer: your end user who pays you using crypto.

• Digital Assets / Crypto: cryptocurrency or stablecoins supported by XAIGATE.

• Merchant Settlement Account: your custodial balance/ledger within XAIGATE showing credited funds and available balance.

• Payout / Withdrawal: transfer of available balance from your Merchant Settlement Account to a wallet address you designate.

• Supported Networks: blockchains and networks supported by XAIGATE from time to time.

• Fees: processing, payout, network, and any other fees shown in the dashboard or fee schedule.

2. Eligibility and Authority

You confirm that:

1. You are at least 18 (or legal age where you operate).

2. You have authority to bind the business/organization to these Terms.

3. Your business and use of the Services comply with all applicable laws and regulations, including consumer protection, sanctions, AML/CTF, and tax rules.

4. You will use the Services only for legitimate goods/services or registered charitable donations.

3. Prohibited Use (Restricted Businesses & Activities)

You may not use XAIGATE for:

• Illegal goods/services, terrorism financing, hate/violence groups, human exploitation

• Fraud, scams, pyramid schemes, deceptive investment returns

• Money laundering, sanctions evasion, stolen funds, mixing/tumbling services

• Any activity we reasonably believe increases financial crime risk

We may update restricted categories at any time and enforce them via monitoring and controls.

4. Your Merchant Account

4.1 Account setup & information accuracy

You must provide accurate information (legal name, address, website, contact details, business nature). You must keep it updated.

4.2 Verification (KYC/KYB) may be required

Although onboarding may be lightweight for some merchants, we may request identity and business verification at any time based on risk, volume, jurisdiction, or legal requirements. Failure to provide requested information may result in limits, holds, suspension, or termination.

4.3 Security

You are responsible for:

• safeguarding credentials, API keys, and access

• configuring webhooks securely and validating signatures (if applicable)

• any activity occurring under your account

Notify us immediately if you suspect unauthorized access.

4.4 Limits

We may apply daily/monthly/annual limits, rolling reserves, or payout limits based on risk and account history. Limits may change.

5. What XAIGATE Provides

XAIGATE is a custodial crypto payment gateway for merchants. We provide tools to:

• generate payment requests (invoices/addresses/QR)

• detect on-chain payments and confirmations

• credit funds to your Merchant Settlement Account

• enable payouts to your designated wallet address(es), subject to checks

XAIGATE is not your agent for buying/selling crypto for speculation. Any conversion features (if offered) will be described in the dashboard or product documentation and may have separate terms.

6. Transaction Processing & Confirmations

1. When a Customer pays, the transaction is broadcast to a Supported Network.

2. We credit your Merchant Settlement Account only after the transaction reaches the required number of network confirmations (may vary by asset/network).

3. We may treat certain payments as pending, reversed, or invalid if:

   • the transaction is replaced/dropped/reorged,

   • it uses unsupported tokens/network,

   • it is flagged for fraud/compliance risk,

   • the amount is incorrect (under/overpayment rules may apply).

7. Custody, Settlement, and Payouts

7.1 Custodial settlement model

Customer payments are received to blockchain addresses controlled by XAIGATE and are credited to your Merchant Settlement Account after required confirmations.

7.2 Available balance

Your available balance may be reduced by:

• Fees

• Network costs

• Holds/rolling reserves

• Chargeback/refund handling (if applicable)

• Compliance or security reviews

7.3 Payouts / Withdrawals

• You may request payout to a wallet address you designate within the dashboard.

• Payouts may be subject to cut-off times, security checks, compliance checks, and limits.

• Payout timing varies by network conditions and operational reviews.

• Irreversible transfers: crypto transfers are typically irreversible. You are responsible for providing the correct payout address. XAIGATE may be unable to recover funds sent to an incorrect address.

7.4 Holds, suspensions, and investigations

We may delay, hold, suspend, or reject transactions or payouts where we reasonably believe it is necessary to:

• comply with law or lawful requests,

• prevent fraud, security incidents, prohibited activities,

• complete verification checks,

• address abnormal activity (e.g., sudden spikes, suspicious patterns).

8. Fees

Fees are disclosed in your dashboard and/or fee schedule. Common fee types include:

• processing fees (e.g., a percentage per transaction)

• payout/withdrawal fees

• blockchain network fees

Fee changes: We may change fees by updating the fee schedule in the dashboard or on the website. If changes materially affect you, we will use reasonable efforts to provide notice, where practicable.

9. Refunds, Disputes, and Customer Support

9.1 Merchant is responsible to Customers

Unless explicitly agreed in writing, you are responsible for:

• fulfillment of goods/services

• customer support and disputes

• refunds and complaint handling

9.2 Crypto payment finality

Blockchain payments are typically irreversible. Any refund is generally processed by you via a new on-chain transaction (and may be net of fees/network costs). XAIGATE does not guarantee recovery of mistaken payments.

9.3 Disputes and chargebacks

Crypto networks do not support card-style chargebacks. If we receive disputes, legal notices, or claims, we may request information from you and may apply holds consistent with Section 7.4.

10. Data & Privacy

We collect and process information necessary to provide the Services (account data, transaction metadata, logs, and operational/security data). Public blockchain data is inherently public.

Our Privacy Policy describes how we handle personal data. If you provide us Customer data, you represent that you have the lawful basis to do so.

11. Third-Party Services

The Services may integrate third-party products (e.g., e-commerce plugins, analytics, identity verification). We do not control third-party services and are not responsible for their terms or performance.

12. Intellectual Property

We and our licensors own the Services, software, trademarks, and content. You receive a limited, revocable, non-exclusive license to use the Services solely for your internal business use during the term of these Terms.

13. Disclaimer of Warranties

The Services are provided “AS IS” and “AS AVAILABLE.” To the maximum extent permitted by law, we disclaim all warranties, including merchantability, fitness, and non-infringement. We do not guarantee uninterrupted, error-free operation or that transactions will always be processed without delay.

14. Limitation of Liability

To the maximum extent permitted by law:

• XAIGATE will not be liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost revenue, or business interruption.

• XAIGATE’s total aggregate liability for all claims will not exceed the fees paid by you to XAIGATE in the six (6) months preceding the event giving rise to the claim.

15. Indemnification

You will defend, indemnify, and hold harmless XAIGATE and its affiliates from claims arising out of:

• your products/services and customer disputes,

• your violation of law or these Terms,

• your misuse of the Services.

16. Suspension, Termination, and Account Closure

We may suspend or terminate your account immediately if:

• you violate these Terms or restricted use rules,

• we suspect fraud, prohibited activity, or legal/compliance risk,

• you fail to provide requested verification information.

Upon termination, we may restrict access and apply holds as necessary to resolve obligations, investigations, or legal requirements.

17. Confidentiality

If either party shares confidential information, the receiving party will protect it using reasonable care and use it only for purposes of these Terms, except as required by law.

18. Governing Law & Dispute Resolution

These Terms are governed by the laws of Texas, without regard to conflict-of-law rules.

Venue for disputes shall be Texas, unless otherwise required by applicable law.

19. Changes to These Terms

We may update these Terms from time to time by posting the updated version on our website. Continued use of the Services after the effective date means you accept the updated Terms.

20. Contact

Support: contact@xaigate.com | +1 (917) 725-5379
Address: 2417 Scorpius Dr, Garland, TX 75044, United States