Last updated: 11 May 2026. These Terms of Service (the “Terms”) govern your access to and use of the CashXChain platform and the related technology infrastructure (collectively, the “Service”) operated by CashXChain UG (haftungsbeschränkt) (“CashXChain”, “we”, “us”). By accessing or using the Service, you agree to be bound by these Terms.
1. The Service
CashXChain provides a Software-as-a-Service (SaaS) orchestration layer for cross-border B2B payment instructions. The Service is composed of three logical layers: a Client Layer (web/mobile interfaces), an Instruction Layer (the CashXChain backend, which prepares instructions, attaches compliance metadata, and routes to partners), and an Execution Layer (operated exclusively by licensed and regulated third-party partners).
CashXChain operates under a strict zero-custody and zero-disposal-authority model. CashXChain does not hold private keys, does not custody fiat or crypto assets, and does not execute or authorise transactions. Further detail is set out on our Regulatory & Compliance page.
2. Role of Regulated Partners
All regulated financial activities — including custody, payment execution, fiat on/off-ramping, crypto-asset conversion, settlement, AML/CFT compliance, sanctions screening, and Travel Rule compliance under Regulation (EU) 2023/1113 — are performed exclusively by licensed and regulated partner institutions in their own names and under their own regulatory authorisations.
When you use the Service, you may be required to enter into a separate contractual relationship with one or more regulated partners. Those partner agreements govern the regulated services they provide to you. CashXChain is not a party to those partner agreements and assumes no responsibility for the regulated services performed by partners.
3. Eligibility & Onboarding
The Service is offered exclusively to legal entities, sole traders, and other businesses acting in the course of their commercial or professional activity (B2B). The Service is not intended for consumers within the meaning of § 13 BGB.
To use the Service you must (a) be lawfully established and authorised to enter into binding contracts, (b) complete onboarding and Know-Your-Business (KYB) verification with our regulated partners, including the verification of beneficial ownership, (c) provide accurate, current, and complete information, and (d) not be subject to applicable sanctions, asset freezes, or other restrictive measures.
4. Account & Security
You are responsible for safeguarding access credentials to your CashXChain account, for all activity conducted through your account, and for promptly notifying us of any suspected unauthorised access. We may suspend or restrict access where we reasonably believe that the security or integrity of the Service is at risk.
5. Acceptable Use
You agree not to: (a) use the Service for any unlawful, fraudulent, deceptive, or abusive purpose, including money laundering, terrorism financing, or the evasion of sanctions; (b) attempt to bypass, weaken, or interfere with the compliance controls, AML controls, or Travel Rule data flows operated by us or our partners; (c) reverse engineer, decompile, or extract the source code of the Service except as permitted by mandatory law; (d) interfere with the operation, security, or integrity of the Service, partner systems, or underlying blockchain networks; (e) submit false, misleading, or incomplete information during KYB onboarding or transaction instructions; or (f) use the Service in any jurisdiction where its use would be unlawful.
6. Fees
Fees for the use of the Service, including transaction fees and any applicable subscription or API access fees, are set out in your individual order form, partner pricing schedule, or in-product pricing. Partner-side fees for regulated services (e.g. on/off-ramp, custody, FX) may apply separately and are charged by the respective partner. All fees are exclusive of value-added tax, which will be added where applicable.
7. Instructions & Settlement
Payment instructions submitted through the Service are technical instructions only. Settlement, execution, and final transfer of funds are performed by regulated partners and remain subject to their authorisation, AML controls, and operational availability. CashXChain cannot initiate, freeze, redirect, or reverse a transaction once it has been authorised by a partner.
8. Intellectual Property
The Service, including all software, source code, designs, trademarks, logos, documentation, and content, is owned by CashXChain UG (haftungsbeschränkt) and its licensors and is protected by applicable intellectual property laws. CashXChain’s core technical innovations are additionally protected by registered German utility models (Deutsche Gebrauchsmuster) filed with the German Patent and Trade Mark Office (DPMA).
Subject to your compliance with these Terms, CashXChain grants you a non-exclusive, non-transferable, revocable licence to access and use the Service solely for your internal business purposes. No rights are granted by implication, estoppel, or otherwise.
9. Confidentiality
Each party shall treat as confidential all non-public information of the other party that is identified as confidential or that a reasonable person would consider confidential. The receiving party shall use such information solely for purposes of performing under these Terms and shall protect it with at least the same degree of care it applies to its own confidential information.
10. Data Protection
The processing of personal data in connection with the Service is described in our Privacy Policy. Where CashXChain processes personal data on your behalf, the parties will enter into a data processing agreement in accordance with Article 28 GDPR.
11. Service Availability
CashXChain endeavours to make the Service available with a high level of reliability but does not guarantee uninterrupted, error-free, or continuous availability. Maintenance windows, partner outages, blockchain network conditions, and force majeure events may affect availability. Specific service levels, if any, are set out in a separate service level agreement.
12. Warranties & Disclaimers
The Service is provided “as is” and “as available”. To the maximum extent permitted by applicable law, CashXChain disclaims all warranties not expressly granted herein, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.
CashXChain is a technology infrastructure provider and does not provide financial, investment, tax, or legal advice. Nothing in the Service constitutes a recommendation to enter into any financial transaction.
13. Limitation of Liability
To the extent permitted by applicable law, CashXChain shall be liable without limitation only (a) for damages caused by intent or gross negligence, (b) for damages resulting from injury to life, body, or health, (c) under the German Product Liability Act (Produkthaftungsgesetz), and (d) where CashXChain has assumed an express guarantee.
For breaches of material contractual obligations (cardinal duties) caused by simple negligence, CashXChain’s liability is limited to the foreseeable damage typical for the type of contract. Any further liability for simple negligence is excluded.
CashXChain shall not be liable for any acts, omissions, regulatory decisions, or service failures of regulated partners, blockchain networks, or other third parties outside its reasonable control.
14. Indemnification
You shall indemnify and hold CashXChain harmless from and against any third-party claims, losses, and reasonable costs (including reasonable legal fees) arising from (a) your breach of these Terms, (b) your violation of applicable law, or (c) inaccurate or misleading information you have provided during onboarding or in transaction instructions, to the extent not caused by CashXChain.
15. Term, Suspension & Termination
These Terms remain in force for as long as you use the Service. Either party may terminate the agreement for cause at any time. CashXChain may, in particular, suspend or terminate your access where (a) you materially breach these Terms, (b) continued provision of the Service would expose CashXChain or its partners to legal, regulatory, or sanctions risk, or (c) a regulated partner instructs us to do so for compliance reasons. Provisions that by their nature survive termination (including Sections 8, 9, 12, 13, 14, and 17) shall survive.
16. Changes to the Service & Terms
CashXChain may update the Service and these Terms from time to time. Material changes will be communicated with reasonable advance notice. Your continued use of the Service after the effective date of an update constitutes acceptance of the updated Terms.
17. Governing Law & Jurisdiction
These Terms are governed by the laws of the Federal Republic of Germany, excluding its conflict of laws rules and the United Nations Convention on Contracts for the International Sale of Goods (CISG). The exclusive place of jurisdiction for all disputes arising out of or in connection with these Terms is Munich, Germany, provided that you are a merchant (Kaufmann), a legal person under public law, or a special fund under public law, and to the extent permitted by mandatory law.
18. Miscellaneous
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Amendments and supplements to these Terms must be in text form. These Terms constitute the entire agreement between the parties with respect to the subject matter and supersede all prior understandings.
19. Group Structure
CashXChain UG (haftungsbeschränkt) and CashXChain Inc. (Delaware, USA) are affiliated entities under common founder leadership that operate in close cooperation. CashXChain UG conducts all commercial operations, partner agreements, and product services. A reorganisation is planned under which CashXChain UG will become a wholly owned subsidiary of CashXChain Inc.; until that reorganisation is completed, CashXChain Inc. holds no equity in CashXChain UG. CashXChain Inc. does not currently conduct commercial operations, provide services, enter into customer relationships, or engage in any regulated activities directly. These Terms are entered into solely with CashXChain UG (haftungsbeschränkt).
20. Contact
CashXChain UG (haftungsbeschränkt), Georg-Bichler-Str. 9, 83620 Feldkirchen-Westerham, Germany. Managing Director: Dr. Martin Israel. Commercial Register: HRB 34664, Local Court Traunstein. For questions regarding these Terms, please refer to our Imprint.