Last updated: 23 January 2026
INTRODUCTION
1.1. These Terms of Use & Disclaimers (these “Terms”) are between USD+ UNLIMITED S.A existing under the laws of Panama (the “Company”, “we”, “us” or “our”) and you (also referred to herein as “User” or “Customer”).
1.2. These Terms govern your access to and use of https://usd-plus.com/ (the “Website”), USD+, and such other services as may be offered by us from time to time (the “Services”).
1.3. You must read and understand these Terms before you use the Services.
1.4. THESE TERMS GOVERN YOUR USE OF THE SERVICES UNLESS WE ARE ONLY WILLING TO MAKE THE SERVICES AVAILABLE TO YOU ONLY IF YOU ACCEPT ALL OF PROVISIONS CONTAINED IN THESE TERMS. BY USING THE SERVICES, YOU ARE CONFIRMING YOU UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS. IF YOU ACCEPT THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU CONFIRM YOU HAVE THE AUTHORITY TO DO SO, AND 'YOU' REFERS TO THAT ENTITY. IF YOU LACK SUCH AUTHORITY OR DO NOT AGREE TO ALL TERMS, PLEASE DO NOT USE OUR SERVICES. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.
1.5. THE COMPANY IS NOT REGISTERED WITH THE U.S. SECURITIES AND EXCHANGE COMMISSION AND DOES NOT OFFER SECURITIES SERVICES IN THE UNITED STATES OR TO U.S. PERSONS. YOU ACKNOWLEDGE THAT ASSETS ARE NOT SUBJECT TO PROTECTIONS OR INSURANCE PROVIDED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR THE SECURITIES INVESTOR PROTECTION CORPORATION. THE COMPANY IS NOT A BROKER, FINANCIAL INSTITUTION, FINANCIAL ADVISOR, INVESTMENT ADVISOR, OR INTERMEDIARY AND IS IN NO WAY YOUR AGENT, ADVISOR, OR CUSTODIAN. THE COMPANY CANNOT INITIATE A TRANSFER OF ANY OF YOUR CRYPTOCURRENCY OR DIGITAL ASSETS OR OTHERWISE ACCESS YOUR DIGITAL ASSETS. THE COMPANY HAS NO FIDUCIARY RELATIONSHIP OR OBLIGATION TO YOU REGARDING ANY DECISIONS OR ACTIVITIES THAT YOU EFFECT IN CONNECTION WITH YOUR USE OF THE SERVICES. WE DO NOT PARTICIPATE IN ANY TRANSACTIONS ON THIRD-PARTY PROTOCOLS, AND DO NOT RECOMMEND, ENDORSE, OR OTHERWISE TAKE A POSITION ON YOUR USE OF THESE SERVICES.
1.6. The Company is a non-custodial service provider and does not at any time hold, manage, possess, or control your Assets, private keys, or any credentials associated with your wallet(s). You retain sole responsibility for the custody and management of your Assets and any wallets you choose to use.
1.7. You acknowledge that classification of digital assets varies by jurisdiction. USD+ is designed as a digital token within the application stack. It may generate protocol-level distributions, which are not guaranteed, contractual, or promised returns. Users are solely responsible for ensuring compliance with applicable laws in their jurisdiction.
1.8. Users are solely responsible for determining whether holding or transacting in USD+ complies with the laws applicable to them, including any restrictions related to digital asset classifications, securities regulations, or investment activities.
1.9. This document in any part thereof and any copy thereof must not be transmitted to any country where distribution or dissemination of these documents and its information is prohibited or restricted. No regulatory authority has examined or approved to this date of any of the information set out in this document. The publication, distribution or dissemination of these Terms do not imply that the applicable laws, regulatory requirements or rules have been complied with.
1.10. All Users are responsible for implementing reasonable measures for securing their own digital wallet, vault or other storage mechanism used to receive and hold Assets, including any requisite private key(s) or other credentials necessary to access such storage mechanism(s). If any private key(s) or other access credentials are lost or compromised, the holder may lose access to their Assets. The Company is not responsible for any losses, costs or expenses relating to lost access credentials. The Company shall have no obligations in any form or whatsoever to you in respect of your Assets.
1.11. It is the User’s entire responsibility to withhold, collect, report and remit the correct taxes to the appropriate tax authorities regarding any received Assets via the Website.
1.12. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR ACCESS TO AND USE OF WEBSITE IS AT YOUR SOLE RISK, AND THAT THE WEBSITE AND THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE, OUR SUBSIDIARIES, AFFILIATES, AND LICENSORS MAKE NO EXPRESS WARRANTIES AND HEREBY DISCLAIM ALL IMPLIED WARRANTIES REGARDING THE WEBSITE AND THE SERVICES AND ANY PART OF IT (INCLUDING, WITHOUT LIMITATION, THE SITE, ANY SMART CONTRACT, OR ANY EXTERNAL WEBSITES), INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, CORRECTNESS, ACCURACY, OR RELIABILITY. Without limiting the generality of the foregoing, we, our subsidiaries, affiliates, and licensors do not represent or warrant to you that: (i) your access to or use of the Website and the Services will meet your requirements, (ii) your access to or use of the Website and the Services will be uninterrupted, timely, secure or free from error, (iii) usage data provided through the Website and the Services will be accurate, (iv) the Website and the Services or any content, services, or features made available on or through the Website and the Services are free of viruses or other harmful components, or (v) that any data that you disclose when you use the Website and the Services will be secure, despite reasonable precautions and measures. Some jurisdictions do not allow the exclusion of implied warranties in contracts with consumers, so some or all of the above exclusions may not apply to you.
1.13. You accept the inherent security risks of providing information and dealing online over the internet, and agree that we have no liability or responsibility for any breach of security unless it is due to our gross negligence.
1.14. We will not be responsible or liable to you for any losses you incur as the result of your use of the Website or an electronic wallet, including but not limited to any losses, damages or claims arising from: (a) user error, such as forgotten passwords or incorrectly construed smart contracts or other transactions; (b) server failure or data loss; (c) corrupted wallet or files; (d) unauthorized access or activities by third parties, including but not limited to the use of viruses, phishing, bruteforcing or other means of attack against Website, a supporting network network, or an electronic wallet.
1.15. We are not responsible for losses due to blockchains or any other features of Website or an electronic wallet, including but not limited to late report by developers or representatives (or no report at all) of any issues with blockchains, including but not limited to forks, technical node issues, risk for failures related to oracle data feeds, liquidity pools and cross-chain bridge vulnerabilities or any other issues having fund losses as a result.
1.16. These Terms will govern the rules, eligibility criteria, and/or participation requirements for any competitions, promotions, marketing campaigns or similar activity that the Company may organise.
In these Terms, the following definitions apply:
GENERAL AGREEMENT
3.1. By accessing or using the Website or Services, you confirm that you have read, understood, and agreed to all of the terms and conditions outlined in these Terms, as well as our Privacy Policy, available at privacy policy. You also represent that you have the legal authority to accept these Terms on behalf of yourself and any party or organization you represent in connection with your use of the Website and Services. If you are an individual entering into these Terms on behalf of an entity, you affirm that you have the authority to bind that entity. By agreeing to these Terms, the terms “you” and “your” refer to both you and the entity, as well as other users accessing the Platform and Services on behalf of that entity. If you are acting on behalf of a DAO or other entity, whether or not such entity is formally incorporated under the laws of your jurisdiction, you represent and warrant that you have all right and authority necessary to act on behalf of such entity.
3.2. The Company reserves the right, in its sole and absolute discretion and without liability to you or any third party, to restrict your use of the Website and/or Services. Such decisions may be based on various factors, including but not limited to legal/regulatory requirements, our discretion, or your breach of these Terms. Additionally, we may temporarily suspend your access to the Website and/or Services if technical issues necessitate such action.
3.3. When you use the Services to transfer or otherwise dispose with Assets, you represent and warrant that (a) you own or have the authority to connect the Wallet(s) containing such User Assets; (b) you own or have the authority to transfer such User Assets; (c) all User Assets you transfer or otherwise make available in connection with the Services have been earned, received, or otherwise acquired by you in compliance with all applicable laws; and (d) no User Assets that you transfer or otherwise make available in connection with the Services have been “tumbled” or otherwise undergone any process designed to hide, mask, or obscure the origin or ownership of such User Assets.
USD+
4.1. USD+ is a digital token referencing the economic value of M0’s underlying assets and enabling on-chain transfers and protocol interactions. It is designed for accessing protocol features ****and enabling transfers and settlements within the USD+ application stack. USD+ is not ****legal tender, a bank deposit, or any other regulated financial instrument in any jurisdiction. Holders of USD+ do not ****have any ownership, voting, or profit-participation rights in the Company, M0 Foundation or M0 Protocol, or in any underlying collateral held by third parties.
4.2. The M0 Protocol, operated by independent third-party entities (the “Minters”), manages the issuance and redemption of the base $M token, which is backed by real-world assets such as short-term U.S. Treasury instruments held off-chain by regulated custodians. USD+ merely wraps or references $M on a one-to-one basis and functions as a protocol extension built on top of M0. All fiat-on-ramp, reserve management, and custody functions are performed by authorized M0 Minters (e.g., MXON) under their own regulatory and compliance frameworks. We do not hold, manage, or control any fiat reserves or U.S. Treasury bill assets.
4.3. Using the USD+ application stack is limited to accessing digital infrastructure and decentralized-finance features. Protocol-level distributions may occur based on the performance of the underlying M0 assets. These are variable, non-guaranteed and not owed by us .
4.4. The Company does not issue the $M. All issuance, redemption, custody of reserves, and management of underlying collateral are performed exclusively by independent M0 Minters. We do not hold U.S. Treasuries or any real-world assets, nor do we manage or influence their investment performance.
4.5. If you, as a holder of USD+, lock, deposit, or otherwise utilize your USD+ assets in any decentralized finance (DeFi) protocol, platform, or service that is not expressly integrated with or whitelabeled by the Company, you do so at your own risk. We make no representations or warranties regarding your eligibility to receive rewards or any protocol-level distributions in connection with USD+ used in non-approved DeFi protocols. In such cases, you may become ineligible to receive any rewards or distributions otherwise available to holders of USD+ in supported DeFi protocols. It is your sole responsibility to ensure your USD+ is used with supported protocols in order to qualify for any such benefits.
4.6. In order to qualify to receive any rewards or protocol-level distributions, you must maintain a minimum balance of at least 10 USD+ in your connected wallet at all relevant times (the “Eligible Balance”). Users with a balance below this threshold are not eligible to accrue or receive any such distributions, regardless of prior participation or activity. Details on protocol mechanics and distribution can be found below. The Company reserves the right to verify balances and enforce this minimum requirement in its sole discretion.
4.7. Redemption of USD+, if available, is facilitated by independent third parties, including approved M0 Minters, in accordance with their respective terms, policies, and eligibility requirements. Any redemption or liquidity mechanism relies on third-party infrastructure, custodians, or counterparties not controlled by the Company. We disclaim responsibility for the performance, solvency, or actions of such third parties.
ELIGIBILITY
**Excluded Jurisdictions**
5.1. Access to the Company’s Services is restricted in the following jurisdictions:
(i) The People’s Republic of China (encompassing all areas under its jurisdiction)
(ii) FATF-Black Listed Jurisdictions (as specified by the Financial Action Task Force for AML/CFT deficiencies in the list).
(iii) Sanctioned Jurisdictions (including but not limited to Crimea, Cuba, Iran, North Korea, Syria, and certain regions in Ukraine such as Donetsk and Luhansk).
(iv) Restricted Jurisdictions where decentralized finance applications are prohibited or heavily regulated (including but not limited to Afghanistan, Algeria, Bangladesh, Belarus, Bolivia, Ecuador, Nepal, Morocco, Pakistan, Tunisia, Myanmar, Venezuela, Sudan/South Sudan, Yemen, Zimbabwe, Lebanon, Libya, Somalia, DR Congo, Côte d'Ivoire, Liberia, Nicaragua, Russia, the United Kingdom and the United States of America).
5.2. The above jurisdictions are collectively referred to as the “Excluded Jurisdictions” in these Terms. This list is subject to change and may be updated to reflect global regulatory shifts. Users are responsible for ensuring compliance with these restrictions.
Excluded Persons
5.3. The following individuals or entities are prohibited from using Company’s Services:
(i) Individuals and Entities in Excluded Jurisdictions: Including citizens, residents, or those physically present in these jurisdictions.
(ii) Corporate Entities: Businesses incorporated in, operating from, or controlled by individuals in Excluded Jurisdictions.
(iii) Sanctioned Persons: Listed on sanction lists by the United Nations, United States, United Kingdom, European Union, or similar authorities.
Age and Legal Compliance
5.4. Users must confirm the following:
(i) Age Requirement: At least 18 years old, and at least the legal age of majority in the jurisdiction you reside.
(ii) No Prior Suspension: No previous suspension or removal from the Company or related services.
(iii) Compliance with Laws: Usage complies with all applicable laws and regulations.
Export Control and Sanctions
5.5. Use of our Services is conditioned upon compliance with:
(i) Export Control Regulations: Adherence to all applicable export control laws.
(ii) Restricted Users: Prohibition on use by individuals or entities from embargoed regions or on sanction lists.
(iii) Prohibited Transactions: No engagement in transactions with Excluded Jurisdictions or Excluded Persons.
Continuous Representation
5.6. Users must continuously ensure:
(i) Non-Restricted Status: They are not subject to trade sanctions, embargoes, or listed on restricted party lists by global authorities.
(ii) Notification Obligation: Immediate notification to the Company if their status changes.
5.7. The Company reserves the right to enforce these restrictions through measures such as geo-fencing technology. Users are responsible for ensuring they are not U.S. persons or accessing the services from Excluded Jurisdictions, even via VPN, proxy or location-masking tools, to circumvent or attempt to circumvent any geographical or jurisdictional restrictions. Geo-fencing only restricts access to the Website and front-end interface, and does not imply control over the User's underlying Assets or Wallet.
5.8. We may implement reasonable measures, including interface-level or protocol-interaction restrictions, wallet screening, or other controls, to enforce compliance with this Section. We are not responsible for any access restrictions resulting from such measures. Any access or use of the Services from a Excluded Jurisdiction constitutes a material breach of these Terms and may result in immediate suspension or termination of access to the Services, without notice.
5.9. The Company does not market, promote, or otherwise solicit the use of the Services in any Excluded Jurisdiction. Any availability of the Services via the internet is passive in nature and does not constitute an offer, solicitation, or targeting of users in such jurisdictions.
INTELLECTUAL PROPERTY
6.1. You acknowledge and agree that, unless otherwise stated, we (or, as applicable, our licensors) own all legal right, title and interest in and to all elements of the Website, and all intellectual property rights therein. The visual interfaces, graphics (including, without limitation, all art and drawings associated with the Website), design, systems, methods, information, computer code, software, services, “look and feel”, organization, compilation of the content, code, data, and all other elements of the Website (collectively, the “Materials”) are owned or licensed by the Company, and are protected by copyright, trade dress, patent, and trademark laws, international conventions, other relevant intellectual property and proprietary rights, and applicable laws. All Materials are the copyrighted property of the Company or its licensors, and all trademarks, service marks, and trade names contained in the Materials are proprietary to the Company or its licensors. Except as expressly set forth herein, your use of the Website does not grant you ownership of or any other rights with respect to any content, code, data, or other materials that you may access on or through the Website. We reserve all rights in and to the Materials not expressly granted to you in the Terms.
6.2. You may choose to submit comments, bug reports, ideas or other feedback about the Platform, including without limitation about how to improve the Website (collectively, “Feedback”). By submitting any Feedback, you agree that we are free to use such Feedback at our discretion and without additional compensation to you, and to disclose such Feedback to third parties (whether on a non-confidential basis, or otherwise). You hereby grant us a perpetual, irrevocable, nonexclusive, worldwide license under all rights necessary for us to incorporate and use your Feedback for any purpose.
DIGITAL ASSETS, WALLETS AND SECURITY
7.1. Certain functionalities of the Website may require you to connect a compatible digital asset wallet (“Wallet”). If you do not connect a Wallet, access to specific features may be limited or unavailable.
7.2. The Website is a non-custodial interface and does not access, store, or manage private keys, Wallet credentials, or digital assets on behalf of any User. The Company does not have custody or control over your Wallet or any digital assets held therein. You retain sole responsibility for managing and securing your Wallet, including any associated private keys, recovery phrases, passwords, and access credentials. The Company disclaims all liability arising from unauthorised access, loss, or compromise of your Wallet or digital assets.
7.3. You retain full legal and beneficial ownership of all digital assets in your Wallet at all times. Digital assets accessed or used in connection with the Website remain your sole property and are not held, loaned, pledged, transferred, or otherwise managed by the Company. The Company does not acquire any interest, lien, or claim to such digital assets. You acknowledge that you bear all risks associated with your digital assets, including but not limited to loss of access, value fluctuation, theft, technical failures, and compliance with applicable law. The Company shall not be liable for any losses or damages arising from such risks.
7.4. You are solely responsible for maintaining the confidentiality and integrity of your Wallet, account credentials, and the devices used to access the Website. The Company shall not be liable for any loss or damage resulting from your failure to maintain adequate security measures.
7.5. The Company reserves the right to screen, inspect, and evaluate any Wallet address that interacts with or attempts to interact with its services, products, or smart contracts. You acknowledge and agree that the Company may, either directly or through third-party service providers, conduct real-time or periodic reviews of ****Wallet addresses using blockchain analytics and sanctions screening tools. The Company may deny, suspend, or otherwise restrict access to its Services for any Wallet address that is, or the Company suspects to be: (i) associated with illicit activity, including but not limited to money laundering, terrorist financing, fraud, or sanctions evasion; (ii) listed on any governmental, regulatory, or recognized third-party sanctions or watchlist, including but not limited to OFAC, FATF, or EU sanctions lists; (iii) associated with high-risk counterparties or jurisdictions.
USER INFORMATION
8.1. As a condition of accessing or using the Website, you agree to provide the Company with accurate, complete, and current information as required for registration, ongoing account maintenance, or as otherwise requested in connection with Services. You represent and warrant that all such information, whether submitted during account creation or thereafter, is truthful, not misleading, and does not infringe upon the rights of any third party.
8.2. You further agree to: (i) promptly update any information previously provided to ensure its continued accuracy and completeness; (ii) cooperate with the Company in verifying your information upon request, including providing any documentation reasonably required for compliance with applicable laws, including anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, or know-your-customer (KYC) requirements; and (iii) notify the Company without undue delay of any changes to your contact details or other material information relevant to your use of the Website.
8.3. You acknowledge that the Company may rely on the accuracy and completeness of the information you provide. The Company shall not be liable for any loss, delay, or failure in the provision of services resulting from your failure to provide accurate or complete information.
8.4. The Company reserves the right, in its sole discretion and without notice, to suspend or terminate your access to the Website in the event that any information provided is inaccurate, incomplete, misleading, or otherwise in violation of these Terms or applicable law.
FEES AND TRANSACTION COSTS
9.1. Certain operations on the Website require on-chain transactions (e.g., transfers, swaps) executed via Smart Contracts on one or more blockchains. You acknowledge and agree that all such blockchain-level transaction fees (commonly referred to as “gas fees,” “network fees,” or “miner fees”) are set by third-party blockchain networks and are not collected, controlled, or refunded by the Company.
9.2. You are solely responsible for paying all applicable gas fees associated with any blockchain transaction initiated through the Website. The Company may estimate or display an approximate fee amount before you confirm a transaction, but the final gas fee is determined by the blockchain network at the time of execution.
9.3. In the event a transaction you submit fails due to insufficient gas or network congestion, you remain responsible for any gas fees incurred by the attempted transaction. The Company shall have no liability for any failed transaction costs or delays resulting from network conditions.
9.4. Due to the immutable nature of blockchain transactions, the Company cannot reverse transactions, recover lost Assets, or provide refunds for failed transactions.
9.5. The Company may, in the future, retain a portion of protocol-level distributions as a service fee. Any such fee will be transparently disclosed prior to implementation.
RESERVATION OF RIGHTS
10.1. The Company reserves the right to restrict any transactions on the Website with any User, for any reason, at any time, in accordance with applicable laws. As an alternative to restricting access to the Website or Services, the Company may conduct due diligence at its sole discretion. You may be subject to these due diligence procedures in your use of the Website or Services. If you choose not to provide the information requested, or if you fail to respond promptly and substantially with the required documentation or data, the Company retains the discretion to immediately suspend or terminate your account.
11.2. You acknowledge and agree that the Company reserves the right to monitor for, investigate, and report any activity that appears to involve money laundering, terrorist financing, fraud, or other illegal conduct. The Company may, at its sole discretion, disclose information relating to your use of the Services to regulatory authorities, law enforcement agencies, or other competent authorities where required by applicable law or where the Company, in good faith, believes such disclosure is necessary to comply with its legal or regulatory obligations.
11.3. The Company reserves the right but has no obligation, to block or restrict any activity on the Interface that may be associated with any illicit and/or non-compliant activities. If you believe you or your wallet address has been blocked or restricted from using the Interface by mistake, please contact us at: support@XXX with the subject “Compliance”. The Company endeavours to respond within 10 days of receipt.
LIMITATION OF USE
ASSUMPTION OF RISK
LIMITATION OF LIABILITY
INDEMNIFICATION
DISCLAIMER OF WARRANTIES
DISPUTE RESOLUTION; ARBITRATION
SEVERANCE AND ENTIRE AGREEMENT
THIRD PARTY CONTENT AND SERVICES
CHANGES TO THESE TERMS