Legal

Terms of Service

StableNest · Effective 20 June 2026

These Terms of Service (“Terms”) govern your access to and use of the StableNest mobile application, website, and related services (together, the “Service”). By creating an account or using StableNest, you agree to these Terms. If you do not agree, do not use the Service.

Please also read our Privacy Policy, which explains how we collect and use your information.

1. Definitions

  • “StableNest,” “we,” “us,” or “our” means the StableNest service operated from Accra, Ghana.
  • “You” or “User” means the individual who registers for or uses the Service.
  • “USDT” means Tether, a US dollar-referenced stablecoin supported by the Service on designated blockchain networks.
  • “Mobile Money” or “MoMo” means Ghana mobile money services used to send or receive Ghana Cedis (GHS).
  • “Custodial wallet” means an optional in-app wallet balance provisioned through our custodial partner, where you have opted in.
  • “External wallet” means a blockchain wallet address you control outside StableNest.

2. Eligibility

  1. You must be at least 18 years of age.
  2. You must be legally permitted to use cryptocurrency and mobile money services in your jurisdiction.
  3. The Service is designed primarily for users in Ghana. Access from other jurisdictions may be limited or unavailable.
  4. You must provide accurate registration information and complete identity verification (KYC) before using financial features, as required by the Service.
  5. One account per person. You may not create multiple accounts or share your account credentials.

3. Account registration

  1. You register through the StableNest app using an email address and password (or other sign-in methods we may offer).
  2. After you sign in, you must complete your profile so we can activate your account for the Service.
  3. You are responsible for keeping your login credentials confidential.
  4. Where available, you may enable additional security features offered in the app, such as device biometrics (for example Face ID or Touch ID).
  5. We may suspend or refuse registration if we cannot verify your identity or if you violate these Terms.

4. Description of services

  1. Fiat on-ramp. Deposit Ghana Cedis (GHS) via Mobile Money to receive USDT delivered to your designated external wallet address or, where enabled, your custodial wallet.
  2. Fiat off-ramp. Convert USDT to GHS paid to your verified Mobile Money account.
  3. Optional custodial wallet. If you explicitly opt in, we may provision a custodial sub-account through our licensed custodial partner, enabling in-app balance display, deposits, internal transfers, and automated off-ramp funding.
  4. Internal transfers. Where custodial wallets are enabled, you may send USDT to other StableNest users.
  5. External sends. Where custodial wallets are enabled, you may send USDT to external blockchain addresses you specify.
  6. StableNest does not:
    • Operate a cryptocurrency exchange or trading platform;
    • Offer staking, lending, or investment products;
    • Hold your funds directly; fiat and crypto settlement is performed by licensed or third-party payment and custodial partners;
    • Guarantee exchange rates, processing times, or network availability.
  7. Supported blockchain networks for custodial deposits include TRC20 (default), and optionally BEP20 and ERC20 where advanced options are enabled. Mobile money cash-out is supported from TRC20 sources only, as shown in the app.

5. User responsibilities

  1. You must provide accurate wallet addresses. Blockchain transactions are irreversible. Sending assets to an incorrect address may result in permanent loss.
  2. You must verify recipient details before confirming transfers.
  3. You must comply with applicable laws, including any tax obligations related to cryptocurrency transactions.
  4. You must not use the Service for illegal activity, fraud, money laundering, sanctions evasion, or any other prohibited purpose.
  5. You are responsible for securing your device and any external wallets you use.

6. Identity verification (KYC)

  1. Identity verification is required before deposits, cash-outs, and custodial transfers, as enforced by the platform.
  2. Accepted documents may include Ghana Card, Voter ID, Passport, and Driver’s License, as configured in the app.
  3. We may request re-verification at any time for security or compliance reasons.
  4. Failure to complete or pass KYC will restrict access to financial features.

7. Transaction limits

Transaction limits apply as shown in the app and may vary based on your verification status, risk controls, and partner requirements. We may change limits from time to time. Where a change is material, we will provide notice through the app, email, or our website.

8. Fees

  1. Fees may include Mobile Money charges, blockchain network fees, and provider conversion fees. These are displayed at the time of the transaction in the app.
  2. Fee estimates are provided before you confirm a transaction. Final fees may vary based on provider calculations.
  3. Any StableNest platform fee, if applicable, will be disclosed clearly before you confirm a transaction.

9. Cryptocurrency and market risks

  1. Volatility. Cryptocurrency values can fluctuate rapidly. USDT is designed to track the US dollar but carries issuer and market risks.
  2. Regulatory risk. Laws governing digital assets may change and may restrict or prohibit the Service.
  3. Technology risk. Blockchain networks may experience congestion, forks, or failures.
  4. No investment advice. The Service facilitates currency conversion and transfers only. We do not provide investment, financial, or legal advice. We do not promise profits or guaranteed returns.

10. Wallet responsibilities

  1. External wallets. You alone control private keys. We cannot recover funds sent to wrong addresses or lost because keys were compromised.
  2. Custodial wallets. Assets are held by our licensed custodial partner. Your use is also subject to that partner’s terms. StableNest orchestrates access but does not directly custody assets.
  3. Network selection. Sending USDT on an unsupported network may result in loss of funds. The app displays network warnings for non-TRC20 deposits where applicable.

11. Transaction finality

  1. Confirmed blockchain transactions and completed provider settlements are generally irreversible.
  2. Mobile Money and ramp transactions are subject to third-party processing rules.
  3. If a transaction fails, do not assume a duplicate retry will succeed automatically. Follow the status shown in the app, and contact support if funds appear stuck or unclear.

12. Service availability

  1. We strive for high availability but do not guarantee uninterrupted access.
  2. Maintenance, third-party outages (including authentication, custody, messaging, or identity partners), or network issues may affect the Service.
  3. We are not liable for delays caused by Mobile Money providers, blockchain networks, or custodial partners.

13. Suspension and termination

  1. We may suspend or terminate your account if you violate these Terms, fail KYC, engage in suspicious activity, or as required by law.
  2. You may stop using the Service at any time. To close your account or withdraw remaining balances, contact support@stablenest.app and follow any instructions we provide, subject to pending transactions, compliance holds, and partner rules.
  3. Upon termination, you remain responsible for completing pending transactions where possible.

14. Intellectual property

  1. The StableNest name, logos, and software are owned by StableNest or its licensors.
  2. You receive a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes in accordance with these Terms.

15. Limitation of liability

  1. To the maximum extent permitted by law, the Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied.
  2. We are not liable for losses arising from: market volatility; user error (including wrong wallet addresses); third-party provider failures; unauthorized access due to your failure to secure credentials; or blockchain network failures.
  3. To the maximum extent permitted by law, our total liability arising out of or relating to the Service will not exceed the fees you paid to StableNest (if any) in the three (3) months preceding the claim, or one hundred Ghana Cedis (GHS 100), whichever is greater.

16. Indemnification

You agree to indemnify and hold harmless StableNest and its officers, employees, and partners from claims, losses, and expenses (including reasonable legal fees) arising from your misuse of the Service, your violation of these Terms, or your violation of any law or third-party rights.

17. Dispute resolution

  1. These Terms are governed by the laws of the Republic of Ghana, without regard to conflict-of-law rules.
  2. Before filing a formal claim, please contact support@stablenest.app so we can try to resolve the issue informally.
  3. Subject to mandatory consumer protections, disputes that cannot be resolved informally shall be submitted to the courts of Accra, Ghana.

18. Regulatory compliance

  1. We implement identity verification and transaction controls as part of our anti-money laundering (AML) and KYC practices.
  2. We operate the Service in accordance with applicable Ghanaian law and partner licensing requirements. Regulatory status may evolve as the product and legal framework develop.
  3. We cooperate with lawful requests from regulatory and law enforcement authorities.

19. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified through the app, email, or our website. Continued use of the Service after the effective date of updated Terms constitutes acceptance of the changes. If you do not agree, stop using the Service and contact us to close your account.

20. Contact

Questions about these Terms: