01This agreement
By creating an account or using the services, you agree to these Terms. If you don't agree, don't use the services.
These Terms of Service ("Terms") form a binding contract between CoinMoove ("we", "us") and the legal person or natural person identified at account creation ("Merchant", "you"). The Terms govern your use of the CoinMoove website, dashboard, APIs, SDKs, and related services (together, the "Services"). The registered legal entity operating the Services will be named in this section once incorporation is complete.
Where you act on behalf of a legal entity, you represent that you have authority to bind that entity.
02Definitions
- "Account" — your merchant account on the CoinMoove platform.
- "Charge" — an instruction to accept a payment, created via API or dashboard.
- "Customer" — the person or entity making a payment to you through the Services.
- "Digital Asset" — a crypto-asset supported by the Services, as listed at /#assets.
- "Network" — a blockchain or distributed ledger supported by the Services.
- "Settlement" — the transfer of funds to your nominated bank account or wallet.
- "Fees" — amounts payable by you for the Services, as set out on /pricing.
- "Applicable Law" — all laws, regulations, and supervisory guidance applicable to the parties.
03Eligibility & account opening
Who can open an account
You may open an account if you are at least 18 years old, legally able to enter into contracts, and not resident or registered in a sanctioned jurisdiction. We operate in 78 markets; the current list is maintained at /aml.
Verification (KYB / KYC)
You agree to provide accurate identification documents, beneficial-owner information, business records, and financial documentation as we may reasonably request. We may use third-party verification providers (named in our privacy policy). We may decline to open or maintain an account at our discretion, subject to Applicable Law.
Account security
You are responsible for keeping account credentials and API keys confidential. Notify us immediately of any suspected compromise. We require multi-factor authentication for dashboard access and recommend hardware-key MFA for production keys.
04The services
CoinMoove provides a software-based payments rail allowing you to accept Digital Assets from your customers and receive Settlement in Digital Assets or fiat currency. We do not provide investment advice, brokerage services, exchange-listing services, or custody for assets beyond what is strictly required to perform Settlement.
We may, from time to time, add or remove supported Digital Assets, Networks, or features. We give 30 days' notice of feature removals where reasonably practicable. Feature additions are effective immediately.
05Fees, settlement & reconciliation
Fees are payable as set out at /pricing, current at the time the relevant Charge is created. Fees are deducted from the Settlement amount; there are no separate invoices unless agreed in writing.
Settlement is initiated promptly after a Charge is confirmed on the Network and any risk-screening checks have cleared. Settlement to fiat is typically same-day (T+0) for amounts under €100,000 and next-day (T+1) for larger amounts; on-chain Settlement is initiated within minutes.
You agree to reconcile Settlement against your own records within 30 days of receipt. Disputed Charges must be raised through the dashboard within that period; thereafter, the Settlement is final.
Reserves
Where a merchant's risk profile, chargeback history, or refund volumes warrant, we may apply a rolling reserve (typically 5–10% of monthly volume, released after 90 days). We will notify you in advance and explain the rationale.
06Your responsibilities
- Use the Services only for legitimate, lawful business purposes.
- Display accurate pricing, refund policies, and shipping terms to your customers.
- Honour refund requests under your customer-facing policies; absent a stated policy, the EU consumer-rights default applies.
- Keep your details current; notify us within 30 days of any change of control, beneficial ownership, or registered office.
- Respond promptly to compliance information requests; failure to do so may result in suspension.
- Pay any taxes owed on your revenue and provide accurate tax data where required for reporting.
07Prohibited use
You may not use the Services in connection with:
- Money laundering, terrorist financing, sanctions evasion, or tax evasion.
- Unlicensed financial services, including unlicensed money transmission, unlicensed exchange operation, unregulated investment schemes.
- Illegal goods or services (firearms, controlled substances, counterfeit items, stolen property, child sexual abuse material).
- Online gambling without the appropriate licence in the jurisdiction of the customer.
- Dark-net marketplaces, mixing services, or services that obfuscate the origin of funds.
- Adult content involving non-consenting parties or where consent cannot be verified.
- Pyramid, multi-level marketing, or "high-yield investment programmes".
- Activities that infringe intellectual property rights of third parties.
- Anything else expressly prohibited by Applicable Law in the relevant jurisdiction.
08Compliance obligations
You acknowledge that CoinMoove is subject to AML directives, the EU Travel Rule (TFR 2023/1113), MiCA Regulation 2023/1114, and equivalent regimes. You agree to:
- Provide originator/beneficiary information for transfers above applicable thresholds.
- Cooperate with our risk-based monitoring, including additional KYC for unusual patterns.
- Not circumvent screening tools or attempt to disguise the source or destination of funds.
- Comply with any sanctions, asset-freeze, or court orders we are legally required to enforce.
09Suspension & termination
We may suspend or terminate your account, with or without notice, where we reasonably believe:
- You have materially breached these Terms.
- Continued service would violate Applicable Law or expose us to material risk.
- Your account is being used in connection with prohibited activity.
- You have failed to respond to compliance information requests within 30 days.
You may close your account at any time, by writing to [email protected]. On closure, we will pay out any unsettled balance to your nominated account, subject to compliance holds.
10Intellectual property
CoinMoove retains all rights in the Services, including the dashboard, APIs, SDKs, documentation, and brand assets. Subject to these Terms, we grant you a non-exclusive, revocable, non-transferable licence to use the Services for your business purposes.
Our SDKs are released under the MIT licence; their source is available on GitHub. Brand assets may be used in accordance with the press kit at /about#press.
11Warranties & disclaimers
We will perform the Services with reasonable care and skill. To the maximum extent permitted by law, we disclaim all other warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
Digital Assets and Networks are inherently subject to risks: protocol bugs, forks, reorgs, congestion, and changes in regulation. We do not warrant the value, liquidity, or continued availability of any Digital Asset, and accept no liability for losses arising from these risks beyond what is set out in Section 12.
12Limitation of liability
To the maximum extent permitted by Applicable Law, our total liability for any claim arising out of or in connection with these Terms is capped at the greater of (a) the Fees paid by you in the 12 months preceding the event giving rise to the claim, or (b) €50,000.
Neither party is liable for indirect, consequential, special, incidental, or punitive damages, including loss of profits, revenue, goodwill, or anticipated savings.
Nothing in these Terms limits liability for fraud, wilful misconduct, gross negligence, or any liability that cannot lawfully be limited.
13Indemnity
You agree to indemnify, defend, and hold harmless CoinMoove, its affiliates, officers, employees, and agents against any third-party claim arising from (a) your breach of these Terms, (b) your use of the Services in violation of Applicable Law, (c) the goods or services you sell to your customers, or (d) misrepresentations made by you in any information you provide to us.
14Confidentiality
Each party agrees to keep confidential any non-public information disclosed by the other in connection with the Services, and to use it only for the performance of these Terms. This obligation survives termination for three years. Confidentiality does not apply to information that becomes public through no fault of the receiving party, is independently developed, or is required to be disclosed by law.
15Changes to these Terms
We may amend these Terms from time to time. We will give you at least 30 days' notice of material changes via the dashboard and by email. Continued use of the Services after the effective date constitutes acceptance. If you do not accept, you may terminate the account at any time during the notice period.
16Governing law & disputes
The governing law and dispute-resolution forum applicable to these Terms will be specified once our operating entity is incorporated. The intent is for these Terms to be governed by the laws of the jurisdiction in which the operating entity is established, with disputes resolved by arbitration in that jurisdiction, the language of arbitration being English.
Notwithstanding the above, either party may seek injunctive relief from a competent court to protect intellectual-property rights or confidential information.
Consumers (if any) resident in the EU retain the right to bring proceedings in the courts of their habitual residence, and may use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
17Miscellaneous
- Entire agreement. These Terms, the Privacy Policy, the Cookie Policy, the AML Notice, and any order form together constitute the entire agreement.
- No waiver. Failure to enforce a right is not a waiver of that right.
- Severability. If a clause is unenforceable, the rest survive.
- Assignment. You may not assign without our consent; we may assign in connection with a corporate transaction.
- Notices. Notices to us go to [email protected]; to you, to the email on the account.
- Force majeure. Neither party is liable for failure due to events beyond reasonable control.
- Survival. Sections 10–17 survive termination.