Terms of Use

Kontino is a brand operated by Koopfy Payments LLC, a limited liability company organized in the State of New Mexico, USA, with offices at 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA ("Kontino", "we").

Kontino provides technology for US dollar accounts, local collections, conversion and international payouts. Kontino is not a bank, does not take deposits and does not directly provide regulated financial services: those services are provided by licensed partner institutions in each market (the "Providers"), as described in the Disclosures.

By creating an account or using the services, you accept these Terms, the Privacy Policy, the AML and KYC Policy and the list of Prohibited Activities.

• Individuals must be at least 18 years old and have full legal capacity.
• Businesses must be duly organized and represented by someone with authority to do so.
• We do not serve sanctioned persons or entities, or residents of or entities based in comprehensively sanctioned jurisdictions.

To open and keep an account, you provide true, complete and up-to-date information and complete identity (KYC) or business (KYB) verification. We may request additional documents at any time.

You are responsible for keeping your credentials secure and for all activity performed with them. Notify us immediately of any unauthorized use.

Balances are denominated in US dollars and held in digital dollars (USDC) in wallets managed by the Providers. Collections in local currency are converted and settled automatically.

Use of the services is also subject to the Providers' terms, which you accept when opening the account. Settlement times, limits and availability of each rail depend on the Providers and payment networks.

Services marked "Coming soon" are not yet available and are not part of any offering until launched.

Kontino account prices are shown in the app before each transaction. For Connect partners, prices are those in the signed proposal and agreement. Exchange rates follow the Provider's quote at the time of the transaction.

You agree not to use the services for illegal or fraudulent activities or those listed in Prohibited Activities, or to circumvent limits, sanctions or verification controls.

You may not access the systems in an automated way outside the official API, test for vulnerabilities without authorization, or interfere with the operation of the services.

We may limit, suspend or close the account, and withhold or reverse funds, in case of risk, suspected fraud or prohibited activity, a Provider or authority requirement, or breach of these Terms. Where the law allows, we will tell you why.

You may close the account at any time through the app or support. The balance is returned to an account in your name once pending obligations and legally required withholdings are met.

The Kontino brand, website, app, API and documentation belong to Kontino or its licensors. We grant you a limited, non-exclusive, revocable license to use them in accordance with these Terms.

The services are provided "as is". To the maximum extent permitted by law, Kontino is not liable for indirect damages, lost profits, or failures of Providers, payment networks, payer or recipient banks, or events beyond our reasonable control.

Nothing in these Terms excludes consumer rights granted by the law of your country that cannot be waived by contract.

We may update these Terms. Material changes are notified with reasonable advance notice by email or in the app; continuing to use the services after the effective date means you accept the new version.

These Terms are governed by the laws of the State of Delaware, USA. Before taking any action, write to support: most issues are resolved that way. If no agreement is reached, the dispute is resolved by arbitration in the United States, without prejudice to consumers' rights to use the courts and consumer protection bodies of their domicile where local law so guarantees.

Koopfy Payments LLC, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA. Email: connect@kontino.co.