Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you (the "Customer," "you," or "your") and NexviaOneLink LLC ("NexviaOneLink," "we," "us," or "our") governing your access to and use of the OneLink Pay platform and all related services (collectively, the "Services").

By accessing, registering for, or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, Acceptable Use Policy, and Risk Disclosure, all of which are incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Services.

These Terms apply to businesses and their authorized representatives only. By agreeing to these Terms, you represent and warrant that you have the authority to bind the business entity on whose behalf you are acting.

2. Eligibility

The Services are available exclusively to businesses that have successfully completed our Know Your Business (KYB) verification process and have been approved by NexviaOneLink and, where applicable, our infrastructure partners. You must be a duly organized, validly existing business entity in good standing under the laws of your jurisdiction of incorporation or formation.

The Services are not intended for personal, consumer, or household use. Individuals may not register for or use the Services in a personal capacity. By registering for the Services, you represent that you are acting on behalf of a qualifying business entity and that all transactions conducted through the platform are for legitimate business purposes.

We reserve the right to refuse service, decline applications, or terminate access at our sole discretion based on our risk assessment, compliance review, or partner requirements, without obligation to disclose the specific reasons for such decisions.

3. Account Registration

To use the Services, you must register for an account and provide accurate, complete, and current information as requested during the registration and onboarding process. This includes business formation documents, beneficial ownership information, identification of authorized representatives, and any other documentation required for compliance review.

You agree to maintain and promptly update your account information to keep it accurate and current. Providing false, misleading, or outdated information constitutes a breach of these Terms and may result in immediate suspension or termination of your account.

The individual registering the account must be an authorized representative of the business entity with the legal authority to bind the entity to these Terms. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Services Description

OneLink Pay is a B2B payment platform that enables approved businesses to manage cross-border payments, invoice collections, stablecoin conversion and treasury, controlled payouts, and commercial card spend where available. The specific features and capabilities available to you may depend on your jurisdiction, business type, approval status, and the capabilities of our infrastructure partners.

Our Services may include, but are not limited to: receiving business payments via virtual accounts or partner payment rails, converting fiat currency to stablecoins (such as USDC), maintaining stablecoin balances, processing supplier and contractor payouts, facilitating fiat off-ramp transactions, and enabling commercial card spending where supported by our partners.

The availability of specific corridors, currencies, payment rails, and features is subject to change based on regulatory developments, partner capabilities, and our own operational decisions. We do not guarantee that any particular feature or corridor will be available at all times or in all jurisdictions.

5. Funding and Balances

Funds received into your OneLink Pay account are initially held as a pending balance. Pending balances are not immediately available for use and are subject to compliance review, including verification of the source of funds, payer identity, invoice documentation, and risk assessment. There is no automatic availability of funds.

Funds will be moved from pending to available balance only after successful completion of all required reviews. The time required for review may vary depending on the complexity of the transaction, the completeness of documentation provided, and other risk factors. We reserve the right to hold, return, or restrict funds at any time if we identify compliance concerns.

Balances held on the platform are not bank deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency. Please refer to our Risk Disclosure for additional information.

6. Third-Party Payments

Payments received from third parties (i.e., parties other than the account holder) must be backed by legitimate invoices or commercial contracts. All third-party payments are subject to enhanced review, including verification of the payer's identity, the business relationship between the payer and the account holder, and the legitimacy of the underlying transaction.

You must provide adequate documentation to support any third-party payment, including but not limited to invoices, purchase orders, contracts, or other evidence of a bona fide commercial relationship. We reserve the right to request additional documentation at any time and to reject or return payments that do not meet our compliance standards.

Receiving payments from unverified or undisclosed third parties, or facilitating payments that are not related to legitimate business transactions, is strictly prohibited and may result in account suspension, fund freezing, and regulatory reporting.

7. Prohibited Activities

You agree not to use the Services for any of the following activities, which are strictly prohibited:

• Consumer remittance or person-to-person (P2P) money transfers
• Gambling, gaming, lotteries, or related activities
• Over-the-counter (OTC) cryptocurrency trading or operating as an unlicensed exchange
• Investment schemes, yield products, or interest-bearing accounts
• Transactions involving sanctioned parties, jurisdictions, or blocked persons
• Use of cryptocurrency mixers, tumblers, or privacy-enhancing tools designed to obscure the origin of funds
• Transactions involving illegal goods or services, including drugs, weapons, or counterfeit products
• Adult entertainment or sexually explicit content
• Fraudulent invoices, fictitious transactions, or shell company activity
• Any activity that violates applicable laws, regulations, or our Acceptable Use Policy

This list is not exhaustive. We reserve the right to determine, in our sole discretion, whether any activity constitutes a violation of these Terms. Please refer to our Acceptable Use Policy for a more detailed description of prohibited activities.

8. Compliance Obligations

You are solely responsible for ensuring that your use of the Services complies with all applicable laws, regulations, and industry standards in your jurisdiction and in the jurisdictions where your business counterparts are located. This includes, but is not limited to, anti-money laundering regulations, sanctions compliance, tax obligations, and any licensing requirements applicable to your business activities.

You agree to provide accurate and complete documentation as requested by NexviaOneLink, including but not limited to invoices, contracts, proof of delivery, and beneficial ownership information. Failure to provide requested documentation in a timely manner may result in transaction delays, account restrictions, or termination.

You agree to promptly notify NexviaOneLink of any material changes to your business, ownership structure, compliance status, or any event that could reasonably affect your eligibility to use the Services.

9. Fees and Pricing

Fees for the Services are as agreed upon in your customer agreement, order form, or as otherwise communicated to you in writing. Fees may include transaction fees, conversion spreads, payout fees, account maintenance fees, and other charges as applicable to the specific services you use.

We reserve the right to modify our fee structure with prior notice to you. Your continued use of the Services after any fee change constitutes acceptance of the updated fees. All fees are non-refundable unless otherwise specified in your customer agreement.

You are responsible for all taxes, duties, and levies imposed by governmental authorities in connection with your use of the Services. NexviaOneLink does not provide tax advice, and you should consult with your own tax advisors regarding the tax implications of your transactions.

10. Intellectual Property

All intellectual property rights in the Services, including but not limited to the platform software, user interface, documentation, trademarks, logos, and trade names, are owned by NexviaOneLink or its licensors. Nothing in these Terms grants you any right, title, or interest in our intellectual property except for the limited right to use the Services in accordance with these Terms.

You may not copy, modify, distribute, sell, or lease any part of our Services, nor may you reverse engineer or attempt to extract the source code of the platform, unless applicable law permits such activities notwithstanding this limitation or you have our written consent.

11. Limitation of Liability

NexviaOneLink is not a bank, money transmitter, or licensed financial institution. OneLink Pay is a technology platform that facilitates B2B payments through licensed third-party infrastructure partners. Balances held on the platform are not bank deposits and are not insured by the FDIC or any other governmental deposit insurance scheme.

To the maximum extent permitted by applicable law, NexviaOneLink and its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities, arising out of or in connection with your use of the Services.

Our total aggregate liability for all claims arising out of or relating to these Terms or the Services shall not exceed the total fees paid by you to NexviaOneLink during the twelve (12) months preceding the event giving rise to the claim. The Services are provided "as is" and "as available" without warranties of any kind, either express or implied.

12. Termination

Either party may terminate this agreement by providing written notice in accordance with the terms of your customer agreement. We may suspend or terminate your access to the Services immediately, without prior notice, if we reasonably believe that you have violated these Terms, our Acceptable Use Policy, or applicable law, or if required by a regulatory authority or law enforcement agency.

Upon termination, we will make reasonable efforts to enable you to withdraw any available balance in your account, subject to applicable compliance holds and legal requirements. Certain provisions of these Terms, including limitations of liability, intellectual property, dispute resolution, and governing law, shall survive termination.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States of America, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms shall be instituted in the state or federal courts located in the State of Wyoming.

You consent to the exclusive jurisdiction and venue of such courts and waive any objection to the laying of venue or any claim that such courts are an inconvenient forum for the resolution of any disputes.

14. Dispute Resolution

In the event of any dispute arising out of or relating to these Terms or the Services, the parties agree to first attempt to resolve the dispute through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through binding arbitration administered by a mutually agreed-upon arbitration body in the State of Wyoming.

The arbitration shall be conducted in accordance with the rules of the chosen arbitration body, and the decision of the arbitrator shall be final and binding. Each party shall bear its own costs and expenses in connection with the arbitration, and the parties shall share equally in the fees of the arbitrator.

15. Modifications

We reserve the right to modify these Terms at any time. When we make material changes, we will provide you with notice through the platform, by email, or by posting the revised Terms on our website with an updated effective date. Material changes will be effective thirty (30) days after notice is provided.

Your continued use of the Services after the effective date of any modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue your use of the Services and close your account.

16. Contact

If you have any questions about these Terms of Service, please contact us at: