1. Service Overview
HoyaPay is a cross-border fintech brand operated by Better-Pro Limited (US FinCEN MSB) and Better-Pro Enterprises Limited (Canada FINTRAC MSB). Services provided include USD account opening, virtual card issuance, stablecoin exchange, cross-border payments, and multi-currency wallet services. HoyaPay is not a bank or a licensed financial institution, but operates as a financial technology company providing platform interfaces and functional services.
2. Account Opening
You must be at least 18 years old and pass KYC (Know Your Customer) identity verification to use this platform. We reserve the right to refuse or terminate accounts.
3. User Obligations
You agree to: (1) Provide true, complete, and current personal information (2) Not use your account for money laundering, fraud, terrorism, or other illegal activities (3) Not circumvent the platform's risk management or sanctions list checks.
4. Service Fees
Service fees charged by this platform are as announced in the App and will be clearly displayed before transaction confirmation.
5. USDⒽ Platform Points
USDⒽ is HoyaPay's internal closed-loop reward points system. USDⒽ is non-transferable, cannot be traded on secondary markets, does not have the nature of fiat or cryptocurrency, and is not an investment product. USDⒽ has no monetary value outside the HoyaPay platform. Usage scope, redemption ratio, and validity period are determined by the App and may be adjusted.
6. Risk Disclaimer
Cryptocurrency prices are highly volatile. Cross-border exchange rate fluctuations may affect account balances. Banks or partners may delay withdrawals due to force majeure. Please assess risks before transactions.
7. Intellectual Property
The HOYAPAY trademark, platform interface, document content, and software copyrights are owned by the operating companies in their respective jurisdictions. Reproduction or derivative use is prohibited without written authorization.
8. Terms Modification
These terms may be updated periodically. Major changes will be announced in the App. Continued use of the platform constitutes acceptance of the new terms.
9. Governing Law
The governing law and dispute resolution mechanism of these Terms are determined by the actual service contract between you and the platform. Generally, services provided by Better-Pro Limited (United States) are governed by US law; services provided by Better-Pro Enterprises Limited (Canada) are governed by Canadian law. Disputes shall be resolved through negotiation first; failing which, applicable law shall apply.
10. Contact Us
If you have questions about these terms, please contact [email protected].