Terms and privacy policy
Stablix Terms of Service & Privacy Policy
Last Updated: January 25, 2026
Table of Contents
Terms of Service
1. Acceptance of Terms
By accessing or using Stablix ("Service", "Platform", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Service.
These Terms constitute a legally binding agreement between you ("User", "Merchant", "Customer", or "you") and Stablix. By creating an account or using our services, you represent that you:
Are at least 18 years of age
Have the legal capacity to enter into this agreement
Will comply with all applicable laws and regulations
Have provided accurate and complete information
2. Description of Services
Stablix provides cryptocurrency payment processing services, including but not limited to:
Invoice creation and payment collection
Subscription billing and management
Cryptocurrency wallet integration (Solana and Base chains)
Payment notifications via webhooks
Transaction tracking and reporting
Dispute management
Our Service facilitates payments in USDC and USDT on supported blockchain networks. We act as a payment processor and do not custody funds except during active payment flows.
3. Account Registration
3.1 Merchant Accounts
To use Stablix as a merchant, you must:
Provide accurate business information
Verify your email address
Configure valid payout wallet addresses
Comply with our Know Your Customer (KYC) requirements when applicable
Maintain the security of your API keys
3.2 Account Security
You are responsible for:
Maintaining the confidentiality of your account credentials
All activities that occur under your account
Immediately notifying us of any unauthorized access
Using strong passwords and enabling two-factor authentication
3.3 Account Verification
We reserve the right to:
Verify your identity and business information
Request additional documentation
Suspend or terminate accounts that fail verification
Implement transaction limits based on verification status
4. Payment Processing
4.1 Payment Flow
When a customer makes a payment through Stablix:
Customer approves token transfer on-chain
Payment is verified on the blockchain
Funds are released according to the payment terms
Merchant receives funds minus applicable fees
4.2 Transaction Finality
IMPORTANT: All cryptocurrency transactions are irreversible once confirmed on the blockchain. Neither Stablix nor the merchant can reverse a completed blockchain transaction.
4.3 Payment Verification
We verify all payments on-chain before marking them as complete. This includes:
Confirming the transaction exists on the blockchain
Verifying the correct amount was sent
Ensuring the transaction succeeded without errors
Validating the payment came from the expected wallet address
4.4 Fees
Stablix charges fees for payment processing as displayed in your merchant dashboard. Fees are:
Deducted from the payment amount before release
Non-refundable, even if the underlying transaction is disputed
Subject to change with 30 days notice
Current fee structure:
Invoices: 0.5% platform fee + blockchain transaction fees
Subscriptions: 0.5% platform fee per billing cycle + blockchain transaction fees
Disputes: 1% dispute fee (if customer wins)
Blockchain fees vary by network congestion and are passed through at cost
5. Refund Policy
5.1 General Refund Terms
Due to the irreversible nature of blockchain transactions, refunds are handled as follows:
For Merchants:
You are responsible for your own refund policies with customers
Stablix facilitates but does not guarantee refunds
All refunds must be manually initiated by the merchant
Platform fees are non-refundable
For Customers:
Refunds are subject to the merchant's individual refund policy
Contact the merchant directly for refund requests
Stablix cannot force merchants to issue refunds
Refunds, if issued, will be sent to your original payment wallet
5.2 Refund Process
To issue a refund as a merchant:
Navigate to the payment in your dashboard
Click "Issue Refund"
Confirm full refund amount
Refund is sent on-chain to the customer's wallet
Customer receives notification (if email was provided)
Important: Only full refunds are supported. Partial refunds are not available.
Processing Time: Refunds are typically processed within 24 hours but depend on blockchain confirmation times.
5.3 Platform Fees on Refunds
Platform fees are NOT refunded to the merchant
Only the payment amount (minus fees) can be refunded
Blockchain transaction fees for the refund are paid by the merchant
Example:
Customer paid: $100 USDC
Platform fee (0.5%): $0.50 USDC
Merchant received: $99.50 USDC
Full refund: $99.50 USDC
Platform fee lost: $0.50 USDC (non-refundable)
Refund transaction fee: ~$0.50 USDC (paid by merchant)
Total merchant cost: ~$1.00 USDC
5.4 Refund Eligibility
Refunds may be issued for:
Product/service not delivered as described
Duplicate payments
Merchant discretion
Refunds will NOT be issued by Stablix for:
Buyer's remorse
Change of mind
Market price fluctuations
User error in wallet selection (see Section 7)
Incorrect payment amounts (see Section 7)
6. Dispute Resolution
6.1 Dispute Process
If a customer disputes a payment:
Step 1: Customer Opens Dispute
Customer contacts merchant directly first
If unresolved, customer may open a dispute in Stablix dashboard
Dispute must include clear explanation and evidence
Step 2: Merchant Response
Merchant has 3 days to respond with evidence
Evidence may include: delivery confirmations, screenshots, correspondence
Failure to respond may result in automatic customer favor
Step 3: Stablix Review
Our team reviews all evidence from both parties
We may request additional information
Decision typically made within 14 business days
Step 4: Resolution Possible outcomes:
Merchant wins: No refund required, dispute closed
Customer wins: Full or partial refund required
Split decision: Negotiated settlement
6.2 Dispute Evidence
Strong evidence includes:
Proof of delivery (tracking numbers, delivery confirmations)
Screenshots of product/service delivered
Communication logs between merchant and customer
Terms of service or product descriptions
Transaction records
6.3 Dispute Fees
Opening a dispute: Free for customers
If customer wins: Merchant incurs 1% dispute fee on transaction amount
If merchant wins: No additional fees
Frivolous disputes may result in customer account suspension
Example: For a $100 transaction where customer wins, merchant pays $1 dispute fee (in addition to the refund).
6.4 Binding Arbitration
If a dispute cannot be resolved through our process:
Both parties agree to binding arbitration
Arbitration will be conducted online
Each party bears their own costs
Arbitrator's decision is final and binding
6.5 Chargeback Prevention
Unlike traditional payment processors, blockchain transactions cannot be "charged back" by customers. Our dispute process is the only mechanism for customers to seek redress.
7. Incorrect Payment Amounts
7.1 Overpayments
IMPORTANT: If a customer sends MORE cryptocurrency than required:
Invoice Payments:
The full amount sent is credited to the invoice
The invoice is marked as paid
Any excess amount goes to the merchant
Merchants may choose to refund the overpayment to the customer
Stablix is not responsible for overpayments
Subscription Payments:
Only the required amount is debited from the approved allowance
Excess approved amount remains available for future charges
No overpayment occurs with proper integration
7.2 Underpayments
CRITICAL: If a customer sends LESS cryptocurrency than required:
THIS IS WHERE FUNDS CAN BE LOST:
Invoice Payments:
Customer sends insufficient amount (e.g., $95 instead of $100)
Transaction is marked as "Underpaid"
Customer can "top off" the remaining balance before invoice expires
Invoice expiry time is set when invoice is created (typically 24-72 hours)
If topped off before expiry: Invoice marked as paid ✅
If invoice expires before top-off: Funds are permanently lost ❌
What happens to underpaid invoices after expiry:
The partial payment is NOT refunded automatically
Invoice is marked as expired
Merchant must manually issue a refund if they choose
Platform fees may still apply to the partial amount
Customer loses access to the product/service
Original payment wallet is required for top-offs
Why invoice expiry is enforced:
Blockchain transactions are final
Payment addresses are temporary and tied to invoice lifecycle
Security and fraud prevention
System resource management
Price volatility protection for merchants
7.3 No Automatic Refunds
IMPORTANT: Stablix does not automatically refund underpayments because:
Blockchain transactions are irreversible
We cannot determine user intent (mistake vs. abandonment)
Refund costs would be borne by the merchant
Some customers may intend to top off later
7.4 User Responsibility
YOU ARE RESPONSIBLE FOR:
Verifying the exact payment amount before sending
Ensuring sufficient token balance plus gas fees
Sending to the correct wallet address
Using the correct token (USDC vs USDT)
Double-checking all transaction details
WE ARE NOT LIABLE FOR:
User error in payment amounts
Funds sent to wrong addresses
Wrong token types sent
Insufficient gas fees causing transaction failures
Wallet application errors or bugs
7.5 Wrong Token Type
If you send the wrong token type (e.g., USDT instead of USDC):
Payment will not be recognized by the system
Funds may be unrecoverable
Stablix is not responsible for retrieving funds
Contact the merchant directly for potential resolution
7.6 Wrong Chain
If you send tokens on the wrong blockchain:
Payment will not be recognized
Funds are likely permanently lost
Stablix cannot recover cross-chain mistakes
Always verify you're using the correct network
8. Subscription Services
8.1 Subscription Billing
For subscription payments:
Customers approve a spending allowance upfront
Automatic charges occur on the billing schedule
Charges are verified on-chain before marking as successful
Customers can cancel anytime before next billing cycle
8.2 Subscription Approval
When subscribing, customers approve:
A specific token amount (typically 6-12 billing cycles)
Stablix to charge their wallet automatically
The subscription terms and billing schedule
Approved funds remain in the customer's wallet until charged.
8.3 Failed Subscription Charges
If a subscription charge fails:
Customer has a grace period (typically 24-72 hours)
Customer is notified via email
Access may be suspended during grace period
Subscription may be cancelled after grace period
Charges fail when:
Insufficient approved allowance
Insufficient token balance in wallet
Wallet approval expired or revoked
Network connectivity issues
8.4 Cancellation
Merchants:
Can cancel subscriptions anytime
Must provide reasonable notice for material changes
Cannot charge after cancellation
Customers:
Can cancel subscriptions anytime
Cancel through merchant's platform or Stablix dashboard
No refunds for current billing period (unless merchant policy states otherwise)
Must revoke on-chain approval separately (optional but recommended)
8.5 Subscription Modifications
Merchants may modify subscription terms with:
30 days notice for price increases
7 days notice for billing frequency changes
Immediate effect for new features/improvements
Customers may cancel if they don't agree with changes.
9. User Responsibilities
9.1 Merchant Responsibilities
As a merchant, you must:
Accurately describe products/services
Deliver products/services as promised
Maintain accurate pricing information
Respond to customer inquiries promptly
Handle refunds in accordance with your stated policy
Comply with all applicable laws and regulations
Maintain secure API key storage
Monitor your webhook endpoint for payment notifications
Provide customer support
9.2 Customer Responsibilities
As a customer, you must:
Verify all payment details before confirming
Ensure sufficient funds plus gas fees
Use the correct wallet and blockchain
Keep records of transactions
Contact merchants directly for order issues
Understand that blockchain transactions are final
9.3 Compliance Obligations
All users must:
Comply with applicable laws in their jurisdiction
Not use the Service for illegal activities
Provide accurate information
Report suspicious activity
Cooperate with investigations
Maintain the security of their accounts
10. Prohibited Activities
You may not use Stablix for:
10.1 Illegal Activities
Money laundering or terrorist financing
Fraud or scam operations
Sale of illegal goods or services
Violation of sanctions or export controls
Tax evasion
Ponzi schemes or pyramid schemes
10.2 Restricted Products/Services
Weapons, explosives, or ammunition
Illegal drugs or drug paraphernalia
Stolen goods or services
Counterfeit products
Adult content or services (without prior approval)
Gambling services (without proper licensing)
Securities or investment products (without proper licensing)
10.3 Service Abuse
Creating fake accounts or businesses
Manipulating transaction data
Circumventing fees or security measures
Overloading our systems (DDoS attacks)
Reverse engineering our software
Sharing API keys with unauthorized parties
10.4 Merchant Misconduct
Misrepresenting products or services
Non-delivery of promised goods/services
Charging hidden fees
Refusing legitimate refund requests
Creating fake positive reviews
10.5 Consequences
Violation of these terms may result in:
Immediate account suspension or termination
Forfeiture of funds in your account
Reporting to law enforcement
Legal action to recover damages
Permanent ban from the platform
11. Intellectual Property
11.1 Stablix Property
All content, trademarks, logos, and intellectual property on Stablix are owned by us or our licensors. You may not:
Copy, modify, or distribute our content
Use our trademarks without permission
Reverse engineer our software
Frame or mirror our website
11.2 User Content
By using our Service, you grant us a worldwide, non-exclusive license to:
Display your business name and logo
Process your transaction data
Use anonymized data for analytics
Share testimonials or case studies (with permission)
11.3 Merchant Marks
We may display merchant logos and names in:
Our website directory (opt-in)
Marketing materials (with permission)
Case studies and testimonials (with permission)
12. Limitation of Liability
12.1 Service Availability
Stablix is provided "AS IS" and "AS AVAILABLE" without warranties of any kind. We do not guarantee:
Uninterrupted service availability
Error-free operation
Specific transaction speeds
Blockchain network reliability
12.2 Liability Cap
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
Our total liability is limited to fees paid in the last 12 months
We are not liable for indirect, incidental, or consequential damages
We are not liable for lost profits or business opportunities
We are not liable for third-party actions (including blockchain networks)
12.3 Blockchain Risks
We are not responsible for:
Blockchain network failures or delays
Smart contract bugs or exploits
Wallet software errors
Network congestion or high gas fees
Cryptocurrency price volatility
Regulatory changes affecting cryptocurrency
12.4 Third-Party Services
We are not responsible for:
Wallet providers (Phantom, MetaMask, etc.)
Blockchain networks (Solana, Base)
User's internet service providers
User's device security
12.5 Force Majeure
We are not liable for delays or failures caused by:
Natural disasters
War or terrorism
Government actions
Network outages
Blockchain network failures
Other events beyond our reasonable control
13. Indemnification
You agree to indemnify and hold harmless Stablix, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
Your use of the Service
Your violation of these Terms
Your violation of any law or regulation
Your violation of third-party rights
Your business practices or products/services
Your customer disputes
14. Termination
14.1 Termination by You
You may terminate your account at any time by:
Contacting our support team
Following the account closure process in your dashboard
Withdrawing all funds before closure
14.2 Termination by Us
We may suspend or terminate your account if:
You violate these Terms
We suspect fraudulent activity
Required by law or regulation
Your account is inactive for 12+ months
You fail to cooperate with investigations
14.3 Effect of Termination
Upon termination:
You lose access to your account immediately
Pending transactions will be completed or refunded
Your data will be retained as required by law
Outstanding balances must be settled
You remain liable for pre-termination activities
14.4 Survival
These sections survive termination:
Payment obligations
Indemnification
Limitation of liability
Intellectual property
Dispute resolution
15. Changes to Terms
15.1 Modifications
We may modify these Terms at any time. Changes will be effective:
Immediately for non-material changes
After 30 days notice for material changes
Upon your continued use of the Service
15.2 Notification
We will notify you of material changes via:
Email to your registered address
Notice in your dashboard
Prominent website banner
15.3 Acceptance
Continued use after changes constitutes acceptance. If you don't agree with changes, you must stop using the Service.
16. Governing Law
16.1 Jurisdiction
These Terms are governed by the laws of Wyoming, without regard to conflict of law principles.
16.2 Dispute Resolution
Any disputes will be resolved through:
Good faith negotiation (30 days)
Mediation (60 days)
Binding arbitration
16.3 Arbitration
Conducted by a single arbitrator
Online or in Wyoming
Each party bears their own costs
Decision is final and binding
No class actions allowed
16.4 Exceptions
Either party may seek injunctive relief in court for:
Intellectual property violations
Confidentiality breaches
Immediate threats to the Service
17. Contact Information
For questions about these Terms:
For technical support: Email: [email protected] Dashboard: https://stablix.xyz
Privacy Policy
Introduction
At Stablix, we take your privacy seriously. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our cryptocurrency payment processing services.
By using Stablix, you consent to the data practices described in this policy.
1. Information We Collect
1.1 Account Information
When you create an account, we collect:
Email address
Business name
Password (encrypted)
Cryptocurrency wallet addresses
API keys (encrypted)
Two-factor authentication settings
1.2 Payment Information
When processing payments, we collect:
Transaction amounts and currencies
Blockchain transaction hashes
Payment timestamps
Customer wallet addresses (when public)
Invoice and subscription details
1.3 Verification Information
For KYC/AML compliance, we may collect:
Legal name
Date of birth
Government-issued ID
Proof of address
Business registration documents
Beneficial ownership information
1.4 Usage Information
We automatically collect:
IP addresses
Browser type and version
Device information
Pages visited and time spent
Referral sources
API usage patterns
1.5 Communications
We collect information from:
Customer support inquiries
Emails and messages
Dispute submissions
Feedback and surveys
1.6 Cookies and Tracking
We use cookies and similar technologies to:
Maintain your login session
Remember your preferences
Analyze usage patterns
Improve our services
2. How We Use Your Information
2.1 Provide Services
We use your information to:
Process payments and subscriptions
Send payment notifications
Maintain your account
Provide customer support
Verify your identity
2.2 Improve Services
We use your information to:
Analyze usage patterns
Develop new features
Fix bugs and improve performance
Conduct research and development
Create anonymized analytics
2.3 Communicate
We use your information to:
Send transaction confirmations
Notify you of account activity
Send service updates
Provide customer support
Send marketing communications (with consent)
2.4 Compliance
We use your information to:
Comply with legal obligations
Prevent fraud and abuse
Enforce our Terms of Service
Respond to legal requests
Conduct investigations
2.5 Marketing
With your consent, we may use your information to:
Send promotional emails
Provide personalized recommendations
Offer special deals or features
Conduct surveys and research
You can opt out of marketing communications at any time.
3. Information Sharing
3.1 We Share Information With:
Service Providers:
Blockchain networks (Solana, Base)
Cloud hosting providers
Analytics services
Email service providers
Security and fraud prevention services
Business Transactions:
Potential buyers in merger/acquisition
Investors or business partners (with consent)
Professional advisors (lawyers, accountants)
Legal Requirements:
Law enforcement agencies
Regulatory authorities
Courts and legal processes
Fraud prevention networks
With Your Consent:
Third-party integrations you enable
Business partners you authorize
Public directories (if you opt in)
3.2 We Do NOT Sell Your Data
We will never sell your personal information to third parties for marketing purposes.
3.3 Public Blockchain Data
Note that blockchain transactions are public by nature. Anyone can view:
Transaction amounts
Wallet addresses
Transaction timestamps
Transaction hashes
We cannot control or delete blockchain data.
4. Data Security
4.1 Security Measures
We implement industry-standard security measures:
Encryption in transit (TLS/SSL)
Encryption at rest (AES-256)
Secure API key storage
Two-factor authentication
Regular security audits
Access controls and monitoring
Secure data centers
4.2 Your Responsibility
You are responsible for:
Keeping your password secure
Protecting your API keys
Enabling two-factor authentication
Using secure internet connections
Not sharing account access
Monitoring your account for suspicious activity
4.3 Data Breaches
In the event of a data breach:
We will investigate immediately
We will notify affected users promptly
We will report to authorities as required
We will take steps to prevent future breaches
5. Your Rights
Depending on your jurisdiction, you may have the right to:
5.1 Access
Request a copy of your personal data
Ask what data we have about you
Receive data in a portable format
5.2 Correction
Update inaccurate information
Complete incomplete information
Correct errors in your data
5.3 Deletion
Request deletion of your account
Request deletion of specific data
Exercise "right to be forgotten"
Note: Some data must be retained for legal or compliance reasons.
5.4 Restriction
Limit how we use your data
Object to certain processing
Restrict automated decision-making
5.5 Opt-Out
Unsubscribe from marketing emails
Disable cookies (may affect functionality)
Revoke consent for data processing
5.6 Portability
Export your data
Transfer data to another service
Receive data in machine-readable format
To exercise these rights, contact us at [email protected].
6. Cookies and Tracking
6.1 Types of Cookies
Essential Cookies:
Required for site functionality
Cannot be disabled
Session management, authentication
Analytics Cookies:
Help us understand usage
Track performance metrics
Can be disabled
Marketing Cookies:
Personalize content
Track ad effectiveness
Can be disabled
6.2 Cookie Management
You can control cookies through:
Browser settings
Our cookie preference center
Third-party opt-out tools
6.3 Do Not Track
We honor Do Not Track signals when technically feasible.
7. Children's Privacy
Stablix is not intended for users under 18. We do not knowingly collect information from children. If we discover we have collected data from a child, we will delete it immediately.
Parents: If you believe your child has provided information to us, contact us at [email protected].
8. International Transfers
Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place:
Standard contractual clauses
Privacy Shield certification (where applicable)
Adequacy decisions
Your explicit consent
9. Data Retention
We retain your data for:
Account data: Duration of account + 7 years
Transaction data: 7 years (legal requirement)
Support communications: 3 years
Analytics data: 2 years (anonymized)
Marketing data: Until you opt out
After retention periods, data is securely deleted or anonymized.
10. Changes to Privacy Policy
We may update this Privacy Policy periodically. Changes will be effective:
Immediately for non-material changes
After 30 days for material changes
We will notify you via:
Email to registered address
Notice in dashboard
Website banner
Continued use after changes constitutes acceptance.
11. Contact Us
For privacy questions or to exercise your rights:
Privacy Email: [email protected] Support Email: [email protected] Mail: [Your Business Address]
Response Time: We aim to respond within 30 days.
Summary of Key Points
⚠️ CRITICAL WARNINGS
Blockchain transactions are IRREVERSIBLE - We cannot undo confirmed transactions
Underpayments NOT automatically refunded - Top off before invoice expires or funds are lost
Invoice expiry is FINAL - After expiry, underpayments cannot be topped off
Wrong token/chain = LOST FUNDS - Always verify before sending
Double-check everything - We are not liable for user errors
Platform fees are NON-REFUNDABLE - Even if the payment is refunded (0.5% + 1% dispute fee if applicable)
Only FULL refunds supported - Partial refunds are not available
✅ Your Responsibilities
Verify payment amounts before sending
Use correct blockchain and token type
Keep your wallet and account secure
Respond to disputes promptly
Comply with applicable laws
📧 Need Help?
General Support: Chat us on the website
Website: https://stablix.xyz
By using Stablix, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and Privacy Policy.
Last Updated: January 25, 2026 Version: 1.0
Last updated