Terms of Service

1. Acceptance of Terms

By accessing VaultOX, you confirm that you represent a regulated financial institution and agree to these Terms of Service. VaultOX is designed exclusively for institutional use by entities with active VASP, banking, or equivalent regulatory licensing in supported jurisdictions.

2. Eligibility

VaultOX is available to institutions that:

• Hold active regulatory licensing (FINMA, EBA/ESMA, MAS, FSRA, or equivalent)
• Complete the VaultOX credentialing process (KYC verification)
• Maintain a valid Solana wallet for transaction signing
• Agree to Travel Rule data requirements on qualifying transfers

3. Credential Tiers

Access to VaultOX features is governed by your credential tier:

• Tier 3 (Standard) — access to low-risk vault strategies and basic settlement corridors
• Tier 2 (Professional) — expanded vault strategies and settlement corridors
• Tier 1 (Institutional) — full platform access including high-risk strategies and all corridors

Tier assignments are determined by the VaultOX admin team based on submitted documentation and regulatory status. Tier enforcement is applied on-chain via Solana program checks.

4. Settlement Operations

Cross-border settlements on VaultOX are executed on the Solana blockchain. By initiating a settlement, you acknowledge:

• Transactions are irreversible once confirmed on-chain
• FX rates are locked at initiation and may differ from rates at confirmation
• Travel Rule data (originator/beneficiary information) will be stored on-chain
• Both counterparties must hold valid credentials for settlement to execute

5. Vault Operations

Vault deposits and withdrawals are subject to your credential tier. Yield rates are indicative and may vary. VaultOX vaults are non-custodial — all deposits and withdrawals require your wallet signature. Past performance does not guarantee future results.

6. Compliance Obligations

You are responsible for ensuring that your use of VaultOX complies with all applicable laws and regulations in your jurisdiction. VaultOX provides compliance tools (audit trails, regulatory reports) but does not provide legal or regulatory advice.

7. Non-custodial Nature

VaultOX is a non-custodial platform. The platform assembles unsigned transactions server-side, but all transactions must be signed by your institution's wallet. VaultOX does not hold, custody, or have access to your funds at any time.

8. Limitation of Liability

VaultOX is provided "as is" without warranty of any kind. To the maximum extent permitted by applicable law, VaultOX shall not be liable for any indirect, incidental, or consequential damages arising from your use of the platform, including but not limited to losses from settlement operations, yield fluctuations, or regulatory actions.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of Switzerland. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of Zurich, Switzerland.

10. Contact

For questions about these Terms, contact legal@vaultox.finance.