Legal

Terms of Service

Plain-language terms for this website and the XEROPAY product as it ships. Last updated 24 September 2026.

1. What these terms cover

These terms apply to this website and to the XEROPAY application, interfaces, and APIs (together, the "Service"). By using the Service you agree to them.

2. Self-custody

XEROPAY is self-custodial. Your spending key is generated and held on your device. We cannot move your funds, recover your key, or reverse a transaction you have signed.

3. Eligibility and compliance

You may not use the Service if you are subject to sanctions or using it to evade the law. Shield and unshield may be screened. Fiat ramps and cards, when offered, are provided by licensed partners under their own terms.

4. Yield and third parties

Any yield figures on this site are targets or design intent, not guarantees. Returns depend on venues. Partner rails can change.

5. The $XERO token

$XERO is described as a utility for tiers and fee discounts. It is not a deposit, share of revenue, or promise of return. Nothing on this site is investment advice. Official contract details will be published only on this site and in Docs.

6. Disclaimers

The Service is provided as is. Smart contracts, proofs, and networks can fail. To the extent the law allows, XEROPAY is not liable for losses from your use of the Service or underlying networks.