These Terms & Conditions govern your access to and use of the Mobile Wallet OS platform, including all APIs, dashboards, documentation, and associated services operated by Mobile Wallet Incorporated (“Mobile Wallet Inc.”, “we”, “our”, or “us”). By accessing or integrating with our platform, you agree to be bound by these terms in full. If you do not agree, you must not use the platform.
Eligibility and Account Registration
Access to the Mobile Wallet OS platform is restricted to registered business entities and authorised individuals acting on their behalf. Individual consumer accounts are not supported at this time. By registering, you represent that you have the legal authority to bind your organisation to these terms.
You are responsible for maintaining the security of your API credentials, Operator Dashboard login, and any secrets generated during onboarding. Unauthorised use of your credentials is your responsibility. Notify us immediately at security@mobilewalletinc.com if you suspect a compromise.
Platform Description
Mobile Wallet OS is an API-first financial infrastructure platform that connects stablecoins, mobile money networks, and cash endpoints across Sub-Saharan African markets. The platform provides rail abstraction, compliance orchestration, liquidity routing, and settlement confirmation as a service. Mobile Wallet Inc. does not itself hold, transmit, or store funds on behalf of end users — it provides the infrastructure layer through which client applications execute transactions.
The specific rails, markets, and settlement windows available at any time are defined in the Operator Dashboard and documented in the API reference. Feature availability may vary by market due to regulatory requirements. We reserve the right to add, modify, or withdraw any endpoint, rail, or market from the platform with reasonable notice.
Compliance Obligations
You are solely responsible for ensuring that your use of the Mobile Wallet OS platform complies with all applicable laws and regulations in every jurisdiction in which you operate, including anti-money laundering (AML) laws, counter-terrorism financing (CTF) requirements, foreign exchange controls, and data protection regulations.
While Mobile Wallet OS provides compliance tooling — including KYC tier enforcement, transaction velocity limits, and AML screening — these tools do not relieve you of your own regulatory obligations. You must complete your own compliance onboarding, maintain your own licences where required, and implement appropriate controls for your end users.
You agree not to use the platform to process transactions that are prohibited by the laws of any applicable jurisdiction, including but not limited to sanctioned individuals, entities, or countries as defined by OFAC, the UN, the EU, or equivalent bodies.
Payment and Fees
Fee schedules are agreed per client during onboarding and are visible in the Operator Dashboard prior to any transaction submission. Fees are deducted per transaction and may vary by corridor, rail, and volume tier. We reserve the right to update fee schedules with a minimum of 30 days notice to registered clients.
All fees are quoted exclusive of applicable taxes. You are responsible for any taxes, duties, or levies that apply to your use of the platform in your jurisdiction. Disputed transactions must be reported within 30 days of the transaction date. We are not liable for transaction losses arising from incorrect destination details submitted through the API.
Acceptable Use
You agree to use the platform only for lawful purposes and in accordance with these Terms. You may not use the platform to facilitate transactions that are fraudulent, deceptive, or involve prohibited goods or services. You may not attempt to circumvent rate limits, abuse sandbox environments, reverse-engineer the API, or access data belonging to another client.
You agree not to share API keys or sandbox credentials with unauthorised third parties, resell platform access without a separately executed partnership agreement, or use the platform in a manner that degrades service quality for other clients.
Intellectual Property
The Mobile Wallet OS platform, including the API architecture, documentation, compliance engine, Operator Dashboard, brand assets, and all associated software, are the intellectual property of Mobile Wallet Incorporated. Nothing in these Terms transfers ownership of any intellectual property to you. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform solely for the purposes described in your onboarding agreement.
Privacy Policy
Your use of the platform is also governed by our Privacy Policy, which describes how we collect, process, and retain personal and transactional data. By using the platform you confirm that you have read and agree to the Privacy Policy. Where you submit personal data relating to your end users, you are the data controller and we act as your data processor.
Limitation of Liability
To the fullest extent permitted by applicable law, Mobile Wallet Inc. is not liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, business interruption, or loss of data — arising from your use of or inability to use the platform, even if we have been advised of the possibility of such damages.
Our total aggregate liability to you for any claim arising under these Terms shall not exceed the fees paid by you to Mobile Wallet Inc. in the three calendar months preceding the event giving rise to the claim.
We do not guarantee the uninterrupted availability of any specific rail or endpoint. Settlement windows are target times based on historical performance and are not contractual guarantees. Force majeure events — including mobile money operator outages, blockchain network congestion, or regulatory intervention — are outside our control and do not constitute a breach of these Terms.
You agree to indemnify, defend, and hold harmless Mobile Wallet Inc. and its officers, directors, and employees from any claims, damages, liabilities, and expenses arising from your use of the platform in violation of these Terms or applicable law.
Governing Law and Disputes
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any dispute arising out of or in connection with these Terms that cannot be resolved by good-faith negotiation shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. Nothing in this clause prevents either party from seeking emergency injunctive relief in a court of competent jurisdiction.
Changes to These Terms
We reserve the right to modify these Terms at any time. Material changes will be communicated to registered clients via the Operator Dashboard or email at least 14 days before taking effect. Continued use of the platform after the effective date of any update constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the platform before the effective date.
