Terms of Service

01About these terms

These terms are between [Legal entity name], of [Registered address] ("Ravelo", "we"), and the business that opens an account ("you"). They take effect on [Effective date] for new accounts, or when you accept them. By creating an account, creating an API key or using the dashboard, you accept them for your business and confirm you have authority to do so.

The Privacy Policy, AML, KYC and Sanctions Policy, Acceptable Use Policy, Risk Disclosure and Refunds and Payment Exceptions are part of these terms. Our API documentation describes how the service behaves; where a document and a signed order form differ, the order form wins for the points it covers.

02What the service is

Ravelo is a payment gateway for merchants. You create payment requests, your customers pay in crypto assets, and we credit the payment to your merchant balance once it is confirmed and has passed our checks. You can then send payouts from that balance to addresses you have saved.

Payments and payouts are carried out through a third-party payment provider, currently 2328. We do not control the blockchains or the provider. Which assets and networks are available at a given moment depends on what the provider and our own approvals allow, and we may add or withdraw a pair at any time. Ravelo is not a bank, and a balance is not a bank deposit.

03Our website and addresses

Ravelo's own domain is ravelopay.app. The website is on ravelopay.app itself, and the dashboard, checkout and API run on its subdomains:

We never ask you to sign in, pay, or share an API key, webhook secret or recovery code on any other domain. If a page, email or message elsewhere does, do not use it and tell us at [Security contact email].

04Your account and team

Each merchant is a separate tenant. Your data, balances, keys and team are kept apart from those of every other merchant. You choose who joins your team and what role each person has; you are responsible for everything done with your account by the people and keys you authorise.

• Give us accurate information and keep it current: business name, address, ownership, representatives and contacts.
• Protect sign-in methods. We use passkeys and a second factor for sensitive steps, such as saving a payout address or sending a payout. Do not share them.
• Keep API secrets out of source control, logs and client-side code, and rotate any key you think is exposed. Tell us promptly at [Security contact email].
• You may not resell or transfer your account without our written agreement.

05Verification and eligibility

Before live payments or payouts are enabled we verify the business and, where needed, its owners and representatives (KYB and KYC). We may ask for documents again later, and we may limit or pause an account until a review is finished. How this works is set out in the AML, KYC and Sanctions Policy.

Availability depends on country. We keep rules for which countries can open an account and which can receive payouts, and we apply them in every channel. We may decline an application without giving a reason where the law or a partner requires us to keep it confidential.

06Test mode

A test key acts on a sandbox account that is linked to your merchant account. Sandbox balances are simulated, never real money, and no real chain or provider is touched. Do not accept real payments with a test key or rely on sandbox results as proof of a live outcome. We may reset or remove sandbox data.

07Payments and how they are credited

A payment is credited once the provider reports it as paid and our checks pass: the amount, the screening described in the AML policy, and our ledger rules. Each payment is credited once. We may hold a payment that needs review, and a held payment is neither credited nor spendable until it is released.

Your own systems should treat our signed webhooks as the record of status, handle them idempotently, and fulfil an order only when the payment is marked as eligible for fulfilment.

08Payouts and approvals

Money leaves your balance only by a payout to an address you saved. New destinations have a waiting period before they can be used, and saving one or sending a payout needs a fresh passkey confirmation from the person doing it. Money out is always approved by a person; for amounts and cases we set, a second person on our side must also approve it.

• A payout on a blockchain cannot be reversed. Check the address and network before you confirm. We are not liable for funds you send to an address you provided.
• Network fees are charged to you as shown before you confirm. A payout may fail or be delayed because of the network or the provider.
• We may refuse, delay or reverse an internal step for a payout that fails a check, exceeds a limit, or is paused by a kill switch, and we will tell you why where we lawfully can.

09Fees and limits

Fees are the ones in your order form or, if there is none, in the fee schedule shown in the dashboard when you make the payment or payout. A payment's fee is included in the amount due and shown before your customer pays. We may change fees for the future on [Notice period] written notice; a change does not affect a payment already created.

We set limits on amounts, volumes and rates per account and per asset, and may change them to manage risk. Fees and limits are applied in the units of the asset concerned. Third-party network and provider costs may be passed on.

10Refunds and chargebacks

Crypto payments are final; there are no card-style chargebacks. A refund to your customer is a separate transaction that you ask for and that we help process, linked to the original payment. At launch refunds are handled with the help of our operations team. See Refunds and Payment Exceptions.

11Acceptable use

You must follow the Acceptable Use Policy. In particular you may not use Ravelo for a prohibited business, to move funds for someone else without our agreement, to avoid screening or limits, or to attack the service.

12Suspension and ending the agreement

You can close your account at any time after withdrawing your balance. We may suspend or end your account, or hold funds, if we reasonably think you have broken these terms or the law, if a screening or review requires it, if a partner or authority requires it, or to protect payers and the service. Where we can, we will give notice and a way to put things right.

After ending, we pay out any balance that is not held or owed to us, to an address you have verified, less fees and costs. Sections that by their nature continue (fees owed, liability, disputes, records) continue after ending.

13Our materials

We give you a non-exclusive, non-transferable right to use the dashboard, API, SDKs and documentation for your own business while your account is open, within these terms. We and our suppliers keep all rights in them. You keep your rights in your data and give us the right to process it to run the service.

14Disclaimers and liability

The service is provided as available. We do not promise that it is uninterrupted or error free, nor that blockchains, wallets or providers will work. We are not responsible for losses that come from market movements, blockchain congestion or faults, the acts of the payment provider or another third party outside our control, your own errors, or a compromise of your credentials.

We are not liable for indirect or consequential loss, loss of profit, revenue or goodwill. Our total liability for all claims in any twelve months is limited to [Liability cap]. Nothing here limits liability that cannot be limited by law, including for fraud or death or personal injury caused by negligence. You will compensate us for losses we suffer because you broke these terms or the law.

15Disputes and governing law

Write to us first at [Contact email] and give us a reasonable time to respond; our Complaints Procedure explains the steps. If a dispute is not resolved, it is governed by [Governing law] and decided by [Courts or arbitration seat].

16Changes and contact

We may update these terms. We will post the new version with a new date and, for material changes, tell account owners at least [Notice period] before they apply. Continuing to use the service after that date means you accept the change; if you do not, close your account.

Contact: [Contact email]. Legal notices: [Legal entity name], [Registered address].