Terms of Service

1. Acceptance of Terms

By accessing or using Architect Pay ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. These terms apply to all users, including individuals and businesses.

2. Description of Service

Architect Pay is a non-custodial blockchain payment infrastructure that allows users to send stablecoins (USDC and EURC) across multiple EVM-compatible networks, run payroll for employees, and manage on-chain treasury. The Service operates on Arc mainnet and other supported mainnet networks. All USDC and EURC balances are real assets with real monetary value, and all transactions are final and irreversible once settled on-chain.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement. By using the Service, you represent and warrant that you meet these requirements and that your use complies with all applicable laws in your jurisdiction.

4. Wallets and Transactions

Architect Pay uses Circle Developer-Controlled Wallets. By using the Service:

• You acknowledge that blockchain transactions are irreversible once confirmed on-chain.
• You are solely responsible for ensuring recipient wallet addresses are correct before sending.
• Cross-chain transfers via Circle CCTP may take 2–10 minutes to settle and cannot be cancelled after initiation.
• Architect Pay charges a 0.01% platform fee on cross-chain payments, cross-chain swaps, and payroll runs.

5. Prohibited Uses

You agree not to use the Service for:

• Any unlawful activity including money laundering, fraud, or sanctions evasion.
• Sending funds to sanctioned individuals, entities, or jurisdictions.
• Attempting to exploit, hack, or disrupt the Service or its underlying infrastructure.
• Creating multiple accounts to circumvent restrictions or abuse the platform.

6. Mainnet Risk Disclaimer

The Service operates on live mainnet networks using real assets. Blockchain transactions are final and irreversible once settled; funds sent to an incorrect address cannot be recovered, and Architect Pay cannot reverse a completed transfer. You are responsible for verifying recipient addresses and amounts before confirming any payment.

Cross-chain transfers depend on third-party infrastructure including Circle's CCTP, Gas Station and wallet services, as well as the underlying networks. Architect Pay makes no guarantee of uptime, settlement time, or continuity, and is not liable for delays or failures originating in that infrastructure. Cross-chain payments and payroll currently route through Base while a known issue with Circle's CCTP bundler on Arc is resolved.

7. Limitation of Liability

To the maximum extent permitted by law, Architect Pay and its team shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of funds, loss of data, or business interruption, arising from your use of or inability to use the Service.

8. Modifications

We reserve the right to update these Terms at any time. Material changes will be communicated via email or a notice on the platform. Continued use of the Service after changes constitutes acceptance of the revised Terms.

9. Contact

Questions about these Terms? Reach us on our Discord server or at team@mail.architectpay.website.