Terms of Use

We are a software developer and provider. We are not a bank, custodian, exchange, broker, money transmitter, payment service provider, or crypto-asset service provider (CASP). Your private keys and PIN are known only to you — we have no way to access or recover them.

You must be at least 18 years of age (or the age of legal majority in your jurisdiction) and have full legal capacity to enter a binding agreement. You must not be subject to economic sanctions or be on any list of prohibited parties maintained by the UN, EU, US, UK, or any other relevant governmental authority.

The App lets you generate and manage self-custodial blockchain wallets, view balances, compose and sign transactions, and send or receive supported digital assets. MFW @codes (such as @SARAH) are human-readable aliases that resolve to your wallet address as a convenience.

MFW usernames are provided on a best-effort basis. We reserve the right to reclaim or deactivate any username for abuse, impersonation, inactivity, or trademark reasons. You may not sell or transfer your username to any third party.

For certain networks we may sponsor blockchain transaction fees ("gas fees") through a gas relay. This is a technical infrastructure service — not a financial service. You compose and cryptographically sign all transactions with your own key; the relay only broadcasts your pre-signed transaction to the network. The relay never has access to or control over your assets.

We may modify, suspend, or discontinue the gas relay service, or change the Gas Relay Fee, at any time.

The Services support stablecoins including USDC, EURC, and USDT, which are issued by third-party entities independent of MFW. Stablecoins are not legal tender and are not issued, guaranteed, or backed by MFW. We make no representations about the solvency, reserve adequacy, regulatory compliance, or peg stability of any stablecoin issuer.

Digital assets in your wallet are not deposit accounts and are not insured by any government deposit guarantee scheme.

You are solely responsible for the security of your private keys, PIN, and recovery phrase. Key points:

• We cannot recover your PIN, keys, or recovery phrase. If lost, access to your wallet and all assets therein is permanently gone.
• Anyone who obtains your credentials can irreversibly spend your assets.
• Keep a secure offline backup of your recovery phrase. Never store it digitally.
• We will never ask you for your PIN, keys, or recovery phrase.
• You are responsible for all activity through your wallet, whether or not authorized by you.

When you generate a self-custody wallet in MFW, you are shown a recovery phrase (also called a seed phrase or mnemonic) consisting of 12 or 24 words. This recovery phrase is the only means of recovering your wallet and the assets it holds.

By using the Services, you explicitly acknowledge and agree to the following obligations:

• You must write down your recovery phrase — word for word, in the exact order shown — at the time it is displayed. You must not skip or defer this step.
• You must store your written copy safely and securely — in one or more physical, offline locations (e.g. a fireproof safe, secure document storage). Multiple copies in separate locations are strongly recommended.
• You must never store your recovery phrase digitally — including in photos, screenshots, cloud storage, email, note-taking apps, messaging apps, password managers, or any internet-connected medium.
• You must never share your recovery phrase with any person, website, application, or support agent — including anyone purporting to represent MFW or Crypteria AS. We will never ask for it.
• If your recovery phrase is lost, stolen, destroyed, forgotten, or otherwise becomes unavailable, access to your wallet and every digital asset it holds is permanently and completely gone. No person, company, court order, or technical procedure — including MFW — can recover it. This outcome is absolute and irreversible.
• If your recovery phrase is exposed to any unauthorised person, all assets in the wallet should be considered at immediate risk of theft. You must transfer assets to a new, secure wallet immediately.

You understand that this risk is an inherent and fundamental property of self-custody blockchain technology, and that you are accepting this risk knowingly and voluntarily as a condition of using the Services. MFW bears no responsibility or liability whatsoever for any loss of assets arising from your failure to comply with these obligations.

Always verify the recipient address, amount, network, and asset type before confirming. You are solely responsible for any loss from sending to an incorrect address or incompatible network.

You must not use the Services to:

• Violate any applicable law, regulation, or rights of any third party
• Engage in, facilitate, or promote money laundering, terrorist financing, sanctions evasion, tax evasion, or any other financial crime
• Process proceeds of criminal or fraudulent activity
• Distribute viruses, malware, or other harmful code
• Interfere with, disrupt, or overload the Services or connected systems
• Reverse engineer, decompile, or create derivative works of the Services, except as permitted by applicable law
• Circumvent any access controls, rate limiting, or security measures
• Engage in market manipulation, wash trading, or any deceptive trading practice
• Impersonate any person or entity, or misrepresent your affiliation
• Use the Services in any way that could damage, disable, or impair them

Upon approval, we may issue you an API key prefixed mfw_. You are solely responsible for keeping your API credentials confidential and secure. You must not share, publish, or transfer your API key. You are responsible for all activity using your credentials and must notify us immediately if they are compromised.

The MFW API provides:

• GET /v1/resolve/@code — public username resolver, no auth required
• GET /v1/verify/@code — public existence check, no auth required
• POST /v1/partner/send — execute sends on behalf of authenticated end users (requires both your API key AND the end user's active session token and PIN)
• POST /v1/partner/request — generate payment request links and QR codes
• GET /v1/partner/balance — read authenticated user's wallet addresses

You may charge an additional Partner Fee on transactions processed through the partner send endpoint, subject to a maximum of 2% of the transaction value. This is applied on top of MFW's 0.15% Gas Relay Fee.

You must clearly and prominently disclose all Partner Fees to your end users before they authorize any transaction. Partner Fees must be shown separately from MFW's Gas Relay Fee. You are solely responsible for Partner Fee calculation, disclosure, and collection.

As a Developer or Partner you agree that:

• You must not represent to end users that you hold custody of, or control, their digital assets or credentials
• All transactions require the end user's own cryptographic authorization — you must never store, intercept, or misuse user PINs, keys, or recovery phrases
• You must not configure your integration to divert or redirect user assets
• You must maintain your own terms of service and disclose all applicable fees
• You are solely responsible for customer support, dispute resolution, and legal compliance for your application
• You will defend, indemnify, and hold MFW harmless from any claims arising from your application, your end users, or your Partner Fees

We may suspend or terminate API access at any time, with or without cause, upon notice to you.

You acknowledge and accept the following risks:

Nothing in the Services constitutes financial, investment, tax, or legal advice. We have no fiduciary duty to you. Consult qualified professionals before making decisions about digital assets.

Any dispute arising out of or in connection with these Terms shall be finally resolved by arbitration administered by the Swiss Arbitration Centre under the Swiss Rules of International Arbitration, with a sole arbitrator in Zürich, Switzerland, in English.

You and MFW each waive the right to participate in any class action or collective proceeding. All disputes must be brought individually.

You may opt out of arbitration by sending written notice to support@myfriendlywallet.io within 30 days of first accepting these Terms. If you opt out, disputes will be resolved in the courts of Zürich, Switzerland, unless mandatory law in your jurisdiction requires otherwise.