Terms of service

Arayo provides introductions to regulated partners for business payment services: cross-border payments, multi-currency accounts and conversion between fiat currency and regulated stablecoins. These terms apply to all business clients using the platform, dashboard or API.

Services are available to registered businesses only. You confirm that you act for business purposes, that the individual accepting these terms is authorised to bind the business, and that your business passes our onboarding checks (KYB). We do not provide services to consumers.

Account access is personal to your business. Keep credentials secure, use the access roles provided, and tell us immediately about unauthorised use. We may suspend access to protect you or the network while we investigate.

When you instruct a payment we show the all-in rate and any fees before you approve. Approved instructions are irrevocable once execution starts, except where law provides otherwise. Settlement times are estimates and depend on corridor and payout method. We may decline or delay a transaction where screening, law or partner requirements demand it.

Cross-border settlement may be executed using regulated stablecoins. You do not hold a stablecoin position; the digital asset leg exists only to execute your instruction. Where you use the on/off ramp or currency exchange product as a service in itself, the supplementary ramp terms apply.

Funds we hold for you are safeguarded in accordance with partner regulations, held separately from our own funds.

Fees and FX rates are set out in your commercial schedule and shown per transaction before approval.

You must not use the services for anything unlawful, for the benefit of sanctioned persons or jurisdictions, for unregistered money services, or for activities on our restricted list. We screen transactions and report where the law requires.

Nothing in these terms excludes liability that cannot be excluded by law. Otherwise our aggregate liability is capped and we are not liable for indirect or consequential loss, or for delays caused by third-party rails, partners or events outside our control.

Complaints go to complaints complaints@arayo.io

Either party may end the relationship with 30days notice. We may terminate immediately for breach, regulatory requirement or risk reasons. On termination we return safeguarded balances after final checks.

These terms are governed by the laws of England and Wales, with disputes subject to the exclusive jurisdiction of the English courts. We may update these terms with no notice; continued use after notice means acceptance. If any clause is unenforceable the rest survive.

Contact: support@arayo.io