Politique d'utilisation acceptable

1. Objectif et Portee

Cette Politique d'Utilisation Acceptable (PUA) definit les utilisations autorisees et interdites de la plateforme XPayr. Elle s'applique a tous les utilisateurs, marchands et entites.

XPayr opere en tant que fournisseur de logiciel de routage de contrats intelligents non custodial. Bien que nous ne controlions pas directement les paiements, nous nous engageons a garantir que notre infrastructure ne soit pas utilisee a des fins illegales.

En utilisant la plateforme, vous acceptez de vous conformer pleinement a cette politique.

2. Categories Commerciales Interdites

The following business categories are strictly prohibited from using the XPayr platform:

Illegal or Unlicensed Gambling & Betting: Unlicensed online casinos, sports betting, lotteries, fantasy sports with real-money stakes, wagering services, or any gambling activity that is unlawful in the jurisdiction where the operator, customer, or activity is located.

Adult Content Where Prohibited: Pornography, escort services, adult dating, sexually explicit content, and related services where such activity is unlawful, unlicensed, or violates platform policy.

Controlled Substances: Cannabis, CBD products (where legally restricted), recreational drugs, drug paraphernalia, and unregulated pharmaceutical products.

Securities & Financial Instruments: Unregistered securities offerings, initial coin offerings (ICOs) without proper compliance, leveraged trading platforms, binary options, and pyramid or Ponzi schemes.

Unlicensed High-Risk Trading: Margin trading platforms, forex without proper licensing, unregulated derivatives, and any financial products that pose significant consumer risk.

Weapons & Ammunition: Firearms, ammunition, explosives, tactical weapons, and any military or law enforcement equipment.

Counterfeit & Infringing Goods: Counterfeit products, pirated software, replica luxury goods, and any items that infringe on intellectual property rights.

This list is not exhaustive. XPayr reserves the right to reject or terminate any account that, in our sole discretion, poses an unacceptable risk to the platform or its users.

3. Activites Interdites

En plus des categories commerciales interdites, les activites suivantes sont strictement prohibees:

Fraude et Tromperie: Creation de faux liens de paiement, attaques de phishing ou usurpation d'identite.

Blanchiment d'Argent et Financement du Terrorisme: Utilisation de la plateforme pour blanchir de l'argent ou financer le terrorisme.

Structuration: Division deliberee de transactions pour eviter les seuils de detection.

Manipulation des Prix: Gonflement ou degonflement artificiel des prix des actifs numeriques.

Acces Non Autorise: Tentative d'acceder aux comptes d'autres utilisateurs ou d'exploiter les vulnerabilites.

Spam et Abus: Utilisation des APIs pour des communications non sollicitees.

Contournement: Tentative de contourner les restrictions geographiques via des VPN.

4. Obligations du Marchand

Les marchands ont des obligations supplementaires:

Conformite Legale: Vous etes seul responsable de la conformite de votre entreprise aux lois applicables.

Representation Exacte: Les descriptions de produits, les prix et les informations doivent etre exacts et non trompeurs.

Communication Client: Vous devez fournir des informations de contact claires, des politiques de remboursement et des conditions de vente.

Conformite Fiscale: Vous etes seul responsable du calcul et du versement des taxes applicables.

Protection des Donnees: Si vous collectez des donnees personnelles, vous devez respecter les reglementations de protection des donnees.

5. High-Risk & Regulated Merchant Review

Certain legal business categories may still require enhanced review avant le réseau principal activation. These may include licensed iGaming, casino, poker, betting, contests, adult services, trading platforms, and other regulated or high-risk sectors.

Testnet Access: Merchants may use the XPayr testnet environment to evaluate checkout, API, webhook, and dashboard behavior without real payment activity.

Mainnet Activation: Mainnet access for high-risk or regulated sectors is not automatic. XPayr may request business information, license or registration evidence, operating domains, supported jurisdictions, restricted-market controls, AML/fraud procedures, wallet configuration, and expected transaction volumes before production access is enabled.

Licensed Operators Only: For iGaming, casino, poker, betting, lottery, tournament, contest, or similar wagering-related businesses, XPayr may support only operators that can demonstrate lawful operation in their target jurisdictions. Unlicensed or unlawful gambling activity remains prohibited.

Ongoing Review: XPayr may apply limits, monitoring, additional verification, or account restrictions to high-risk merchants and may suspend access if the use case changes or no longer meets platform policy.

6. Enforcement & Consequences

XPayr actively monitors platform usage and investigates reported violations of this Politique d'utilisation acceptable.

Detection: We employ automated monitoring systems, manual reviews, and user reports to detect policy violations. We may also use blockchain analytics providers to identify suspicious activities associated with prohibited categories.

Graduated Response: Depending on the severity and nature of the violation, XPayr may take one or more of the following actions: issue a warning and request corrective action, temporarily suspend account functionality, permanently terminate the account and revoke API access, report the violation to relevant law enforcement or regulatory authorities.

No Prior Notice: In cases of severe violations, including fraud, sanctions evasion, or activities that pose an immediate risk to the platform or its users, XPayr may take immediate action without prior notice.

Appeal Process: Users who believe their account was actioned in error may submit an appeal by contacting support. Appeals will be reviewed by the compliance team and a response will be provided within a reasonable timeframe.

XPayr may request additional evidence or documentation at any time to verify lawful and compliant use of the platform.

7. Reporting & Contact

If you become aware of any use of the XPayr platform that violates this Politique d'utilisation acceptable, we encourage you to report it.

How to Report: Send a detailed report to abuse@xpayr.com including the nature of the suspected violation, any relevant payment links, wallet addresses, or transaction hashes, supporting evidence or screenshots, and your contact information (optional but helpful for follow-up).

Confidentiality: Reports are treated confidentially. We will not disclose the identity of the reporter to the subject of the report unless required by law.

Policy Updates: This Politique d'utilisation acceptable may be updated from time to time to reflect changes in regulations, industry standards, or platform capabilities. Material changes will be communicated through the platform.

For general questions about this policy, please contact us at: legal@xpayr.com

Machine-Readable Policy & Compliance Verification Surface

Autonomous procurement agents, enterprise legal teams, and risk auditors can verify XPayr's non-custodial architecture, prohibited business categories, and cryptographic evidence standards directly via our Format de Connaissance Ouvert (OKF) (OKF) endpoints: