Terms of Use

1 · Agreement and electronic acceptance

Agreement to these Terms

These Terms form an agreement between you and the person or entity operating xrbitcoincash.com and related official XRBitcoinCash interfaces (collectively, the “XRBC Operator”).

By accessing the site, connecting a wallet, scanning a QR code, opening a Xaman sign request, using an analytical tool, exporting evidence, establishing an XRBC trust line, or otherwise interacting with XRBC through an official interface, you acknowledge that you have read, understood, and agreed to these Terms, the White Paper, and the Policy & Security page. If you do not agree, do not use the site or its interfaces.

Your electronic action constitutes acceptance to the extent permitted by applicable law. Additional terms presented by a third-party wallet, market interface, data source, or service apply separately to your use of that third party.

2 · Defined terms

Definitions

XRBC

XRBitcoinCash, an issued currency on XRP Ledger Mainnet identified by the issuer and currency value stated below.

XRBC Tools

Website-based read-only analysis, reusable access gates, evidence generation, tokenization planning, and transaction-template features made available by the XRBC Operator.

XRBC Parties

XRBitcoinCash, the XRBC Operator, creator, CEO if applicable, administrators, developers, contributors, contractors, licensors, service providers, and affiliates.

Third-Party Services

XRPL servers, validators, node operators, Xaman, market interfaces, explorers, public token directories, hosting providers, browsers, device platforms, SWIFT resources, and all other independently operated products or services.

You or User

Any person or organization accessing or using the site, XRBC, an XRBC Tool, or a referenced Third-Party Service.

3 · Token identity and classification limits

XRBC identity and design posture

• XRBC is described as an XRPL-issued digital token and digital collectible used for transferable ledger activity, ecosystem access, routing, integrations, and evidence-oriented tools.
• XRBC is not a bank deposit, checking or savings account, legal tender, prepaid account, insured product, payment guarantee, debt obligation, equity interest, partnership interest, revenue share, dividend right, governance right, or claim on any XRBC Party.
• XRBC is not represented as redeemable, convertible, repurchasable, or exchangeable by the XRBC Operator for a fixed amount of U.S. dollars or other monetary value.
• No reserve account, collateral pool, insurance fund, stabilization mechanism, or redemption facility is promised by the XRBC Operator.
• XRBC is not represented to maintain a stable value, dollar peg, par value, price floor, target value, guaranteed market, or guaranteed liquidity.
• No interest, yield, passive return, profit, dividend, or appreciation is promised merely for holding XRBC.
• Nothing in these Terms represents that XRBC has been legally determined to be a security, non-security, commodity, digital commodity, payment stablecoin, collectible, currency, or any other regulated or unregulated category.

4 · Reusable ecosystem access

XRBC access-gate terms

Certain tools require the connected wallet to hold a stated XRBC balance. The current planned thresholds are:

• A gate is a reusable wallet-balance condition, not a payment, subscription, burn, escrow, deposit, transfer to the site, or custody arrangement.
• XRBC remains in your wallet unless you independently authorize a ledger transaction.
• Access may relock if the connected balance falls below the required threshold.
• Meeting a threshold does not guarantee permanent availability, uninterrupted access, a particular feature, support, economic value, or future compatibility.
• Thresholds, features, and availability may change for technical, legal, security, capacity, economic, or compliance reasons.
• Before a threshold is satisfied, the site may limit wallet enumeration and display only the XRBC trust-line status, XRBC balance, and amount needed.

5 · No custody or financial intermediary relationship

Non-custodial boundary

• The XRBC Operator does not hold, safeguard, control, receive, transmit, settle, redeem, exchange, or return customer funds or digital assets through the website.
• The site does not maintain customer accounts or internal balances and does not have access to your wallet secret.
• All ledger changes require a transaction signed by the relevant XRPL account or another valid authorization method supported by the ledger and wallet.
• No bank, trust, escrow, fiduciary, broker, dealer, exchange, money manager, investment adviser, clearing agency, transfer agent, payment processor, remittance provider, money transmitter, or client relationship is created solely by accessing the site or using an XRBC Tool.
• Legal characterization depends on actual conduct. These Terms do not exempt any person from licensing, registration, reporting, recordkeeping, customer-identification, sanctions, consumer-protection, tax, or other obligations.

6 · Wallet authorization

Xaman transaction and sign-request terms

Webpage-initiated XRBC purchases and sales are designed to use Xaman as the exclusive signing and submission path. The website may read public liquidity, calculate a route, and prepare a transaction template, but it cannot sign with your key.

• Each webpage-initiated XRBC purchase or sale must create a Xaman payload with a QR code or mobile deep link.
• You must independently review the network, Account, Destination, issuer, currency, Amount, SendMax, DeliverMin, Paths, Flags, Memos, fees, and every other field shown by Xaman.
• A six-digit verification code may be displayed on the webpage and included in a memo. Do not approve if the code or transaction details do not match.
• Closing a webpage panel releases the local interface but may not cancel an already-created Xaman request. The request may remain valid until signed, rejected, or expired.
• Xaman may impose its own eligibility rules, service fees, transaction fees, usage limitations, availability rules, or additional terms. Those amounts and rules are controlled by Xaman, not the XRBC Operator.
• Xaman is an independent self-custodial wallet and platform. Your use of Xaman is governed by Xaman's terms, privacy notice, device requirements, and in-app disclosures.
• The XRBC Operator is not responsible for Xaman outages, fees, warnings, rejections, transaction-template policies, security controls, or changes.

7 · XRP Ledger protocol terms

XRPL use, public records, and finality

• The XRP Ledger is a decentralized, open network. The XRBC Operator does not own, operate, control, or guarantee the ledger, its consensus, validators, amendments, reserves, fees, servers, or transaction results.
• There is no project-controlled “XRPL customer account.” You control your XRPL account credentials and choose the software and infrastructure used to access the ledger.
• Ledger state, account settings, balances, trust lines, offers, AMMs, NFTs, and validated transactions are public.
• Transactions can be irreversible after validation. A failed, delayed, replaced, partial, or differently routed result may occur within the transaction fields you approve.
• Network reserves, fees, amendments, transaction formats, pathfinding behavior, and server availability can change.
• Use of Ripple-operated websites, XRPL documentation, public servers, explorers, or other infrastructure is governed by the applicable third party's terms and policies.
• XRBitcoinCash is independent of Ripple, the XRP Ledger Foundation, validators, node operators, and XRP holders. No affiliation, sponsorship, endorsement, certification, or agency relationship is implied.

8 · Financial messaging non-affiliation

SWIFT, BIC, ISO 20022, and banking references

• XRBitcoinCash is not SWIFT, is not a SWIFT member, is not a SWIFT service bureau, and does not claim access to or participation in the SWIFT network.
• XRPL transactions are not represented as SWIFT messages, bank transfers, correspondent-banking settlement, central-bank money, or guaranteed final settlement through SWIFT.
• References to SWIFT, BIC, ISO 20022, financial messaging, interoperability, or banking standards are descriptive only and do not imply certification, compatibility, membership, sponsorship, endorsement, authorization, or regulatory approval.
• You may not use XRBitcoinCash branding or content to claim a SWIFT relationship, BIC, banking license, regulated payment service, or institutional integration that does not exist.
• Use of SWIFT websites, developer resources, documentation, BIC information, software, APIs, products, or services is subject to SWIFT's applicable contract, license, terms, policies, and access restrictions.
• A future integration involving SWIFT products or services would require separate authorization, contracts, technical validation, compliance review, and updated disclosures.

9 · Analytical tools and outputs

Read-only analysis, scores, and evidence

• XRBC Tools are informational, experimental, and decision-support interfaces. They do not perform a legal, financial, cybersecurity, accounting, valuation, compliance, title, reserve, or smart-contract audit.
• Scores, labels, flags, routes, slippage estimates, watch alerts, confidence levels, and benchmarks are local calculations based on available inputs and selected assumptions.
• A Watchtower score of 0/100 when no usable XRP/token AMM is observed is a local liquidity rule, not a determination that a project is fraudulent, unlawful, valueless, or insolvent.
• Market information can become stale before it is displayed, reviewed, signed, submitted, or validated.
• Exported JSON, hashes, and evidence packs record selected inputs and calculations. A hash can show that a file has not changed after hashing; it cannot prove that its contents were true, complete, authorized, current, or legally sufficient.
• AI-assisted content and automated analysis may be incomplete, inaccurate, inconsistent, or outdated. Verify important information against direct XRPL data, source documents, qualified professionals, and current law.

10 · Tokenization limitations

No automatic legal ownership or regulatory approval

• Advanced Tokenization is a planning, documentation, evidence, risk, metadata, and XRPL NFT workflow.
• Creating a token, NFT, memo, metadata file, document hash, or evidence pack does not create, transfer, perfect, register, insure, appraise, or validate ownership, title, a lien, custody, authenticity, a contractual right, a security interest, regulatory status, or enforceability.
• Outside registries, courts, custodians, issuers, servicers, governments, property owners, insurers, counterparties, and regulators are not required to recognize an XRPL record.
• You are responsible for rights, permissions, consents, disclosures, licensing, registration, intellectual property, consumer protection, privacy, custody, valuation, tax, and jurisdictional requirements.
• The XRBC Operator may refuse to support a proposed asset, right, metadata set, or transaction that appears unlawful, misleading, infringing, unsafe, unverifiable, or outside the intended scope.

11 · No professional advice

No financial, legal, tax, accounting, or investment advice

• All site content, documentation, white papers, tool outputs, code, social posts, and communications are general information.
• Nothing is a recommendation to buy, sell, hold, issue, redeem, tokenize, list, trade, provide liquidity, establish a trust line, or use a particular wallet, route, pool, exchange, or service.
• No communication creates an adviser-client, attorney-client, accountant-client, broker-customer, fiduciary, or other professional relationship.
• You are solely responsible for independent research and for consulting qualified legal, tax, accounting, cybersecurity, and financial professionals.

12 · Eligibility and user representations

Who may use the site

By using the site, you represent and warrant that:

• You have legal capacity and are old enough to enter an enforceable agreement in your jurisdiction.
• Your use is lawful where you are located and does not require the XRBC Operator to obtain a license, registration, approval, or authorization that it does not hold.
• You are acting for yourself or have valid authority to act for the organization you represent.
• You are not a blocked, sanctioned, restricted, or prohibited person and are not located in or ordinarily resident in a jurisdiction where the relevant activity is prohibited.
• You will not use the site on behalf of another person in a manner that constitutes unlicensed custody, exchange, brokerage, money transmission, payment processing, investment management, or another regulated activity.
• All information and representations you provide are accurate and not misleading.

13 · Prohibited conduct

Prohibited uses

You may not use XRBC, the website, or any XRBC Tool to:

• Violate law, regulation, court order, sanctions, export controls, intellectual-property rights, privacy rights, or contractual obligations.
• Commit or facilitate fraud, theft, deception, market manipulation, wash trading, spoofing, false liquidity, insider trading, money laundering, terrorist financing, sanctions evasion, ransomware, trafficking, bribery, corruption, or tax evasion.
• Misrepresent XRBC as a stablecoin, bank deposit, insured account, guaranteed payment asset, investment product, security, digital commodity, SWIFT-connected product, Ripple product, Xaman product, or government-approved asset.
• Create misleading token names, metadata, evidence, issuer identities, asset claims, ownership claims, reviews, scores, or project affiliations.
• Attempt to obtain another person's seed phrase, private key, passcode, recovery phrase, device access, or wallet authorization.
• Interfere with the site, APIs, RPC services, rate limits, security controls, Xaman payloads, or other users.
• Scrape, copy, republish, reverse engineer, or exploit restricted third-party data, software, trademarks, directories, or services contrary to their terms or applicable law.

14 · Illicit-finance controls

Sanctions, AML, and legal restrictions

• Digital assets are not exempt from economic sanctions. You must not engage in prohibited dealings with blocked persons, property, addresses, entities, countries, regions, or activities.
• The XRBC Operator may screen public addresses, IP-derived location information, transaction information, or other legally available indicators where appropriate and permitted.
• The XRBC Operator may block, reject, restrict, geofence, suspend, preserve records, or report activity when required by law, a valid legal order, a service-provider rule, or a reasonable compliance or security concern.
• Self-custody and decentralized settlement do not eliminate your legal responsibilities.
• No feature is designed to conceal transaction origin, destination, ownership, control, or purpose or to facilitate evasion of lawful reporting, identification, freezing, blocking, or recordkeeping obligations.
• If future operations constitute a regulated administrator, exchanger, money transmitter, payment service, broker, dealer, custodian, issuer, or other regulated activity, the affected feature may remain unavailable until required licensing and compliance controls are established.

15 · Independent services

Third-party platforms, data, and links

• The site may use or reference Xaman, XRPL servers, explorers, DEX interfaces, AMMs, NFT markets, metadata directories, hosting providers, analytics, browsers, operating systems, social platforms, and financial-messaging resources.
• Third parties are independent. Their inclusion does not imply endorsement, sponsorship, agency, partnership, certification, regulatory approval, or responsibility.
• Your use of each Third-Party Service is governed by that party's current terms, policies, fees, eligibility rules, licenses, privacy practices, geographic restrictions, and technical requirements.
• The XRBC Operator does not control and is not responsible for third-party content, warnings, token labels, trust levels, fees, censorship, outages, errors, security, legality, availability, transactions, or losses.
• Links are provided for convenience and may become stale, unavailable, unsafe, or inaccurate.

16 · Costs and reporting

Ledger fees, service fees, and taxes

• You are responsible for XRP Ledger reserves and transaction fees, wallet or Xaman service fees, DEX or interface fees, transfer fees imposed by issuers, market spread, slippage, taxes, network costs, and all other charges.
• Any displayed fee or estimate may be incomplete or change before authorization or validation.
• The XRBC Operator does not promise that a transaction is the least expensive route.
• You are solely responsible for tax classification, basis, valuation, reporting, withholding, information returns, and payment obligations in every applicable jurisdiction.

17 · Data and privacy

Public-ledger and local-browser data

• XRPL addresses, balances, trust lines, transactions, offers, AMMs, NFTs, issuer settings, and related records are public.
• The site may store settings, watchlists, challenge references, and limited trend history in your browser. Clearing browser data may remove them.
• Do not place confidential, personal, regulated, proprietary, or legally protected information in public transaction fields, memos, NFT metadata, hashes, or evidence intended for publication.
• Public blockchain data generally cannot be deleted by the XRBC Operator.
• Additional data-handling terms are described in the Policy & Security page and any applicable privacy notice.

18 · Assumption of risk

User responsibilities and material risks

• You are solely responsible for wallets, keys, recovery materials, devices, software, browser extensions, addresses, destination tags, transaction fields, backups, and security practices.
• You accept the risk of irreversible transactions, total loss, volatility, illiquidity, wide spreads, slippage, pathfinding differences, partial payments, failed transactions, front-running, market manipulation, issuer controls, freezes, clawback permissions, trust-line configuration, software bugs, protocol amendments, phishing, malware, outages, and third-party failures.
• You accept that legal, regulatory, tax, sanctions, and classification rules may change and may restrict access, transfers, listings, markets, interfaces, or project activity.
• You accept that tokenization records may not create legally recognized ownership or rights.
• You accept that automated analysis, AI output, scores, and third-party metadata can be wrong.
• You bear all risk of loss, including total loss of value, except to the extent applicable law does not permit that risk to be allocated to you.

19 · Disclaimer of warranties

“As is” and “as available”

To the maximum extent permitted by law, the website, XRBC, documentation, interfaces, transaction templates, data, scores, evidence packs, and XRBC Tools are provided “as is,” “as available,” and with all faults.

The XRBC Parties disclaim all express, implied, and statutory warranties, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness, security, availability, compatibility, legal compliance, regulatory classification, liquidity, execution, value, and error-free operation.

No statement creates a guarantee regarding price, demand, listing, market depth, continued development, support, access, legal status, third-party acceptance, or protection from loss.

20 · Limitation of liability

Limits on damages

To the maximum extent permitted by applicable law, the XRBC Parties will not be liable for direct, indirect, incidental, consequential, special, exemplary, punitive, reliance, business-interruption, or similar damages arising from or related to XRBC, the site, any XRBC Tool, a transaction, third-party service, data, loss of keys, loss of assets, trading loss, tax liability, lost profits, lost opportunity, loss of goodwill, loss of data, security incident, regulatory action, or inability to use a feature.

If liability is imposed despite these limitations, the aggregate liability of all XRBC Parties will not exceed the lesser of the amount you paid directly to the XRBC Operator for the specific website service giving rise to the claim during the preceding twelve months or the minimum amount required by applicable law.

Some jurisdictions do not allow particular exclusions or limitations. In those jurisdictions, the limitation applies only to the maximum extent permitted, and non-waivable rights remain unaffected.

21 · Indemnification

Your responsibility for claims

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless the XRBC Parties from claims, proceedings, investigations, damages, losses, penalties, liabilities, costs, and reasonable attorneys' fees arising from your use of XRBC, the site, an XRBC Tool, a Third-Party Service, your content or tokenization project, your violation of these Terms, your unlawful conduct, or your violation of another person's rights.

22 · Intellectual property and attribution

Project and third-party rights

• XRBitcoinCash names, logos, branding, original site design, documentation, and original content are owned by their respective rights holders and may not be used to imply unauthorized endorsement or affiliation.
• Open-source components remain subject to their applicable licenses.
• XRP, XRP Ledger, XRPL, Ripple, Xaman, Xumm, SWIFT, BIC, ISO, Sologenic, XPMarket, and other names and marks belong to their respective owners.
• Descriptive references do not imply sponsorship, endorsement, certification, partnership, agency, or ownership.
• You may not remove notices, falsely attribute content, misrepresent an integration, or use third-party documentation, APIs, directories, software, or trademarks contrary to applicable terms or law.

23 · Changes, suspension, and termination

Feature and Terms updates

• The XRBC Operator may modify, suspend, restrict, geofence, discontinue, or replace any content, gate, tool, transaction flow, API, or service at any time.
• Access may be terminated for suspected abuse, prohibited conduct, sanctions risk, security concerns, third-party requirements, legal uncertainty, maintenance, or resource limits.
• The current Terms posted at https://xrbitcoincash.com/terms.html supersede prior versions.
• Material updates should be identified by an updated effective date. Continued use after an update constitutes acceptance to the extent permitted by law.
• If a legal or technical change makes a provision invalid or unsafe, the affected feature may be paused while the Terms and implementation are reviewed.

24 · Legal construction

Mandatory law, disputes, waiver, and severability

• These Terms do not waive rights or protections that cannot lawfully be waived.
• Applicable governing law, jurisdiction, and venue are determined by mandatory law and the facts of the dispute unless a separate written agreement validly specifies otherwise.
• Before filing a non-urgent civil claim, you agree to provide a written description of the dispute and allow thirty days for an informal attempt to resolve it, except where prohibited by law or where immediate relief is reasonably necessary.
• A failure to enforce a provision is not a waiver.
• If a provision is held invalid or unenforceable, it will be limited or modified to the minimum extent necessary, and the remaining provisions will continue in effect.
• Headings are for convenience and do not limit the meaning of these Terms.

25 · Official contact

Contact and authorized channels

Official project contact methods are limited to:

• Email: xrbitcoincash@gmail.com
• Official X account: @XRbitcoincash
• Security reports: /.well-known/security.txt

Communications from other domains, accounts, direct messages, groups, or addresses are unverified. No communication, including through an official channel, is legal, tax, financial, or investment advice. Xaman support must be obtained through Xaman's official support channels.

26 · Incorporated references

Related project documents